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
Finding the best rates…
Savings Accounts Comparison
Bank One
Heartland Bank
Best available
Up to 4.25% p.a.
Line-up
1 live product
VS
Heartland Bank Newcastle Permanent
VS
1 live product
Newcastle Permanent
Best available rate
5.25%p.a.
Smart Saver Account (Under 25)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.05%
Bonus
5.20%
Conditions
Bonus rules apply
Live edge
Newcastle Permanent leads on headline savings rate by 1.00% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
1.00% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heartland Bank | Newcastle Permanent |
|---|---|---|
| Max rate | 4.25% | 5.25% |
| Base rate | 4.25% | 0.05% |
| Bonus rate | 0.00% | 5.20% |
| Has conditions | No | Yes |
All Heartland Bank Products
Every tracked savings accounts option from Heartland Bank.
All Newcastle Permanent Products
Every tracked savings accounts option from Newcastle Permanent.
In March 2026, Heartland Bank's MySavings Account offers up to 4.25% p.a., while Newcastle Permanent's Smart Saver Account (Under 25) reaches 5.25% p.a. (0.05% base + 5.20% bonus). Newcastle Permanent currently leads by 1.00% p.a.
Newcastle Permanent's top rate requires meeting bonus conditions each month, while Heartland Bank offers its rate with no ongoing requirements. Newcastle Permanent's rate applies on balances up to $49,999.
Heartland Bank has 1 savings product and Newcastle Permanent has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heartland Bank | Newcastle Permanent |
|---|---|---|
| Max Rate | 4.25% | 5.25% |
| Base Rate | 4.25% | 0.05% |
| Bonus Rate | 0.00% | 5.20% |
Common Questions
Heartland Bank vs Newcastle Permanent FAQs
Which bank has the better savings rate, Heartland Bank or Newcastle Permanent?
Newcastle Permanent currently offers the higher rate at 5.25% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
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.
What is Newcastle Permanent's best savings account rate in 2026?
Newcastle Permanent's best savings rate is 5.25% p.a. on the Smart Saver Account (Under 25), consisting of a 0.05% base rate and 5.20% bonus rate. This rate requires meeting monthly bonus conditions.
Do Heartland Bank and Newcastle Permanent savings accounts have conditions?
Heartland Bank's top rate has no ongoing conditions, while Newcastle Permanent requires meeting bonus conditions each month to earn the full advertised rate.