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 vs Virgin Money
Compare Heartland Bank and Virgin Money savings accounts side by side. In March 2026, Heartland Bank offers 1 account with rates up to 4.25% p.a., while Virgin Money has 1 account reaching 4.00% p.a. Heartland Bank currently leads by 0.25%.
VS
1 live product
Virgin Money
Best available rate
4.00%p.a.
Boost Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.05%
Bonus
3.95%
Conditions
Bonus rules apply
Live edge
Heartland Bank leads on headline savings rate by 0.25% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.25% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heartland Bank | Virgin Money |
|---|---|---|
| Max rate | 4.25% | 4.00% |
| Base rate | 4.25% | 0.05% |
| Bonus rate | 0.00% | 3.95% |
| Has conditions | No | Yes |
All Heartland Bank Products
Every tracked savings accounts option from Heartland Bank.
All Virgin Money Products
Every tracked savings accounts option from Virgin Money.
In March 2026, Heartland Bank's MySavings Account offers up to 4.25% p.a., while Virgin Money's Boost Saver reaches 4.00% p.a. (0.05% base + 3.95% bonus). Heartland Bank currently leads by 0.25% p.a.
Heartland Bank offers its top rate unconditionally, while Virgin Money requires monthly conditions. Heartland Bank's rate applies on balances up to $300,000.
Heartland Bank has 1 savings product and Virgin Money has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heartland Bank | Virgin Money |
|---|---|---|
| Max Rate | 4.25% | 4.00% |
| Base Rate | 4.25% | 0.05% |
| Bonus Rate | 0.00% | 3.95% |
| Conditions Required |
Common Questions
Heartland Bank vs Virgin Money FAQs
Which bank has the better savings rate, Heartland Bank or Virgin Money?
Heartland Bank currently offers the higher rate at 4.25% p.a., compared to 4.00% 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 Virgin Money's best savings account rate in 2026?
Virgin Money's best savings rate is 4.00% p.a. on the Boost Saver, consisting of a 0.05% base rate and 3.95% bonus rate. This rate requires meeting monthly bonus conditions.
Do Heartland Bank and Virgin Money savings accounts have conditions?
Heartland Bank's top rate has no ongoing conditions, while Virgin Money requires meeting bonus conditions each month to earn the full advertised rate.