1 live product
BankSA
Best available rate
4.65%p.a.
Incentive Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.55%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
BankSA
Best available
Up to 4.65% p.a.
Line-up
1 live product
VS
BankSA vs Heartland Bank
Compare BankSA and Heartland Bank savings accounts side by side. In March 2026, BankSA offers 1 account with rates up to 4.65% p.a., while Heartland Bank has 1 account reaching 4.25% p.a. BankSA currently leads by 0.40%.
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
BankSA 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 | BankSA | Heartland Bank |
|---|---|---|
| Max rate | 4.65% | 4.25% |
| Base rate | 0.10% | 4.25% |
| Bonus rate | 4.55% | 0.00% |
| Has conditions | Yes | No |
All BankSA Products
Every tracked savings accounts option from BankSA.
All Heartland Bank Products
Every tracked savings accounts option from Heartland Bank.
In March 2026, BankSA's Incentive Saver offers up to 4.65% p.a. (0.10% base + 4.55% bonus), while Heartland Bank's MySavings Account reaches 4.25% p.a.. BankSA currently leads by 0.40% p.a.
BankSA's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements. BankSA's rate applies on balances up to $249,999.
BankSA has 1 savings product and Heartland Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | BankSA | Heartland Bank |
|---|---|---|
| Max Rate | 4.65% | 4.25% |
| Base Rate | 0.10% | 4.25% |
| Bonus Rate | 4.55% | 0.00% |
| Conditions Required |
Common Questions
BankSA vs Heartland Bank FAQs
Which bank has the better savings rate, BankSA or Heartland Bank?
BankSA currently offers the higher rate at 4.65% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
What is BankSA's best savings account rate in 2026?
BankSA's best savings rate is 4.65% p.a. on the Incentive Saver, consisting of a 0.10% base rate and 4.55% 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 BankSA and Heartland Bank savings accounts have conditions?
Heartland Bank's top rate has no ongoing conditions, while BankSA requires meeting bonus conditions each month to earn the full advertised rate.