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
Finding the best rates…
Savings Accounts Comparison
Bank One
Heritage Bank
Best available
Up to 4.10% p.a.
Line-up
1 live product
VS
Heritage Bank vs HSBC
Compare Heritage Bank and HSBC savings accounts side by side. In March 2026, Heritage Bank offers 1 account with rates up to 4.10% p.a., while HSBC has 1 account reaching 4.65% p.a. HSBC currently leads by 0.55%.
VS
1 live product
HSBC
Best available rate
4.65%p.a.
Everyday Savings (Intro)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
2.50%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
HSBC leads on headline savings rate by 0.55% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.55% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heritage Bank | HSBC |
|---|---|---|
| Max rate | 4.10% | 4.65% |
| Base rate | 2.70% | 2.50% |
| Bonus rate | 0.00% | 0.00% |
| Has conditions | No | No |
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
All HSBC Products
Every tracked savings accounts option from HSBC.
In March 2026, Heritage Bank's Online Saver offers up to 4.10% p.a., while HSBC's Everyday Savings (Intro) reaches 4.65% p.a.. HSBC currently leads by 0.55% p.a.
HSBC's rate includes an introductory component for 3 months. Heritage Bank's rate includes an introductory component for 4 months. HSBC's rate applies on balances up to $1,000,000.
Heritage Bank has 1 savings product and HSBC has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heritage Bank | HSBC |
|---|---|---|
| Max Rate | 4.10% | 4.65% |
| Base Rate | 2.70% | 2.50% |
| Bonus Rate | 0.00% | 0.00% |
| Conditions Required |
Common Questions
Heritage Bank vs HSBC FAQs
Which bank has the better savings rate, Heritage Bank or HSBC?
HSBC currently offers the higher rate at 4.65% p.a., compared to 4.10% p.a. Rates are sourced from live data and change frequently.
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.
What is HSBC's best savings account rate in 2026?
HSBC's best savings rate is 4.65% p.a. on the Everyday Savings (Intro).
Do Heritage Bank and HSBC savings accounts have conditions?
Neither Heritage Bank nor HSBC requires ongoing conditions for their top savings rates.