4 live products
ANZ
Best available rate
4.50%p.a.
Growth Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.40%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
ANZ
Best available
Up to 4.50% p.a.
Line-up
4 live products
VS
ANZ vs Heritage Bank
Compare ANZ and Heritage Bank savings accounts side by side. In March 2026, ANZ offers 4 accounts with rates up to 4.50% p.a., while Heritage Bank has 1 account reaching 4.10% p.a. ANZ currently leads by 0.40%.
VS
1 live product
Heritage Bank
Best available rate
4.10%p.a.
Online Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
2.70%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
ANZ leads on headline savings rate by 0.40% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.40% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | Heritage Bank |
|---|---|---|
| Max rate | 4.50% | 4.10% |
| Base rate | 0.10% | 2.70% |
| Bonus rate | 4.40% | 0.00% |
| Has conditions | Yes | No |
All ANZ Products
Every tracked savings accounts option from ANZ.
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
In March 2026, ANZ's Growth Saver offers up to 4.50% p.a. (0.10% base + 4.40% bonus), while Heritage Bank's Online Saver reaches 4.10% p.a.. ANZ currently leads by 0.40% p.a.
ANZ's top rate requires meeting bonus conditions each month, while Heritage Bank offers its rate with no ongoing requirements. Heritage Bank's rate includes an introductory component for 4 months. ANZ's rate applies on balances up to $1,000,000,000.
ANZ has 4 savings products and Heritage Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ANZ | Heritage Bank |
|---|---|---|
| Max Rate | 4.50% | 4.10% |
| Base Rate | 0.10% | 2.70% |
| Bonus Rate | 4.40% | 0.00% |
| Conditions Required |
Common Questions
ANZ vs Heritage Bank FAQs
Which bank has the better savings rate, ANZ or Heritage Bank?
ANZ currently offers the higher rate at 4.50% p.a., compared to 4.10% p.a. Rates are sourced from live data and change frequently.
What is ANZ's best savings account rate in 2026?
ANZ's best savings rate is 4.50% p.a. on the Growth Saver, consisting of a 0.10% base rate and 4.40% bonus rate. This rate requires meeting monthly bonus conditions.
What is Heritage Bank's best savings account rate in 2026?
Heritage Bank's best savings rate is 4.10% p.a. on the Online Saver.
Do ANZ and Heritage Bank savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while ANZ requires meeting bonus conditions each month to earn the full advertised rate.