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 Heritage Bank
Compare Bendigo Bank and Heritage Bank savings accounts side by side. In March 2026, Bendigo Bank offers 1 account with rates up to 4.25% p.a., while Heritage Bank has 1 account reaching 4.10% p.a. Bendigo Bank currently leads by 0.15%.
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
Bendigo Bank leads on headline savings rate by 0.15% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.15% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Bendigo Bank | Heritage Bank |
|---|---|---|
| Max rate | 4.25% | 4.10% |
| Base rate | 0.10% | 2.70% |
| Bonus rate | 4.15% | 0.00% |
| Has conditions | Yes | No |
All Bendigo Bank Products
Every tracked savings accounts option from Bendigo Bank.
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
In March 2026, Bendigo Bank's Reward Saver offers up to 4.25% p.a. (0.10% base + 4.15% bonus), while Heritage Bank's Online Saver reaches 4.10% p.a.. Bendigo Bank currently leads by 0.15% p.a.
Bendigo Bank'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.
Bendigo Bank has 1 savings product and Heritage Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Bendigo Bank | Heritage Bank |
|---|---|---|
| Max Rate | 4.25% | 4.10% |
| Base Rate | 0.10% | 2.70% |
| Bonus Rate | 4.15% | 0.00% |
| Conditions Required |
Common Questions
Bendigo Bank vs Heritage Bank FAQs
Which bank has the better savings rate, Bendigo Bank or Heritage Bank?
Bendigo Bank currently offers the higher rate at 4.25% p.a., compared to 4.10% 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 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 Bendigo Bank and Heritage Bank savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while Bendigo Bank requires meeting bonus conditions each month to earn the full advertised rate.