2 live products
Bank Australia
Best available rate
4.60%p.a.
Bonus Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.50%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
Bank Australia
Best available
Up to 4.60% p.a.
Line-up
2 live products
VS
Bank Australia vs Heartland Bank
Compare Bank Australia and Heartland Bank savings accounts side by side. In March 2026, Bank Australia offers 2 accounts with rates up to 4.60% p.a., while Heartland Bank has 1 account reaching 4.25% p.a. Bank Australia currently leads by 0.35%.
VS
1 live product
Heartland Bank
Best available rate
4.25%p.a.
MySavings Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.25%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Bank Australia leads on headline savings rate by 0.35% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.35% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Bank Australia | Heartland Bank |
|---|---|---|
| Max rate | 4.60% | 4.25% |
| Base rate | 0.10% | 4.25% |
| Bonus rate | 4.50% | 0.00% |
| Has conditions | Yes | No |
All Bank Australia Products
Every tracked savings accounts option from Bank Australia.
All Heartland Bank Products
Every tracked savings accounts option from Heartland Bank.
In March 2026, Bank Australia's Bonus Saver offers up to 4.60% p.a. (0.10% base + 4.50% bonus), while Heartland Bank's MySavings Account reaches 4.25% p.a.. Bank Australia currently leads by 0.35% p.a.
Bank Australia's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements. Bank Australia's rate applies on balances up to $100,000.
Bank Australia has 2 savings products and Heartland Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Bank Australia | Heartland Bank |
|---|---|---|
| Max Rate | 4.60% | 4.25% |
| Base Rate | 0.10% | 4.25% |
| Bonus Rate | 4.50% | 0.00% |
| Conditions Required |
Common Questions
Bank Australia vs Heartland Bank FAQs
Which bank has the better savings rate, Bank Australia or Heartland Bank?
Bank Australia currently offers the higher rate at 4.60% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
What is Bank Australia's best savings account rate in 2026?
Bank Australia's best savings rate is 4.60% p.a. on the Bonus Saver, consisting of a 0.10% base rate and 4.50% bonus rate. This rate requires meeting monthly bonus conditions.
What is Heartland Bank's best savings account rate in 2026?
Heartland Bank's best savings rate is 4.25% p.a. on the MySavings Account.
Do Bank Australia and Heartland Bank savings accounts have conditions?
Heartland Bank's top rate has no ongoing conditions, while Bank Australia requires meeting bonus conditions each month to earn the full advertised rate.