1 live product
Bendigo Bank
Best available rate
4.25%p.a.
Reward Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.15%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
Bendigo Bank
Best available
Up to 4.25% p.a.
Line-up
1 live product
VS
Bendigo Bank vs Heartland Bank
Compare Bendigo Bank and Heartland Bank savings accounts side by side. In March 2026, Bendigo Bank offers 1 account with rates up to 4.25% p.a., while Heartland Bank has 1 account reaching 4.25% p.a.
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
Bendigo Bank and Heartland Bank are level on headline savings rate. Base rate and bonus conditions will decide the better real-world option.
Rates level
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Bendigo Bank | Heartland Bank |
|---|---|---|
| Max rate | 4.25% | 4.25% |
| Base rate | 0.10% | 4.25% |
| Bonus rate | 4.15% | 0.00% |
| Has conditions | Yes | No |
All Bendigo Bank Products
Every tracked savings accounts option from Bendigo Bank.
All Heartland Bank Products
Every tracked savings accounts option from Heartland Bank.
In March 2026, Bendigo Bank's Reward Saver offers up to 4.25% p.a. (0.10% base + 4.15% bonus), while Heartland Bank's MySavings Account reaches 4.25% p.a.. Both banks are offering the same headline rate.
Bendigo Bank's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements.
Bendigo Bank has 1 savings product and Heartland Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Bendigo Bank | Heartland Bank |
|---|---|---|
| Max Rate | 4.25% | 4.25% |
| Base Rate | 0.10% | 4.25% |
| Bonus Rate | 4.15% | 0.00% |
| Conditions Required |
Common Questions
Bendigo Bank vs Heartland Bank FAQs
Which bank has the better savings rate, Bendigo Bank or Heartland Bank?
Bendigo Bank currently offers the higher rate at 4.25% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
What is Bendigo Bank's best savings account rate in 2026?
Bendigo Bank's best savings rate is 4.25% p.a. on the Reward Saver, consisting of a 0.10% base rate and 4.15% 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 Bendigo Bank and Heartland Bank savings accounts have conditions?
Heartland Bank's top rate has no ongoing conditions, while Bendigo Bank requires meeting bonus conditions each month to earn the full advertised rate.