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 Regional Australia Bank
Compare Heritage Bank and Regional Australia Bank savings accounts side by side. In March 2026, Heritage Bank offers 1 account with rates up to 4.10% p.a., while Regional Australia Bank has 1 account reaching 4.50% p.a. Regional Australia Bank currently leads by 0.40%.
VS
1 live product
Regional Australia Bank
Best available rate
4.50%p.a.
Savings Booster
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.50%
Conditions
Bonus rules apply
Live edge
Regional Australia Bank leads on headline savings rate by 0.40% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.40% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heritage Bank | Regional Australia Bank |
|---|---|---|
| Max rate | 4.10% | 4.50% |
| Base rate | 2.70% | 0.00% |
| Bonus rate | 0.00% | 4.50% |
| Has conditions | No | Yes |
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
All Regional Australia Bank Products
Every tracked savings accounts option from Regional Australia Bank.
In March 2026, Heritage Bank's Online Saver offers up to 4.10% p.a., while Regional Australia Bank's Savings Booster reaches 4.50% p.a.. Regional Australia Bank currently leads by 0.40% p.a.
Regional Australia 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. Regional Australia Bank's rate applies on balances up to $250,000.
Heritage Bank has 1 savings product and Regional Australia Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heritage Bank | Regional Australia Bank |
|---|---|---|
| Max Rate | 4.10% | 4.50% |
| Base Rate | 2.70% | 0.00% |
| Bonus Rate | 0.00% | 4.50% |
Common Questions
Heritage Bank vs Regional Australia Bank FAQs
Which bank has the better savings rate, Heritage Bank or Regional Australia Bank?
Regional Australia Bank currently offers the higher rate at 4.50% 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 Regional Australia Bank's best savings account rate in 2026?
Regional Australia Bank's best savings rate is 4.50% p.a. on the Savings Booster. This rate requires meeting monthly bonus conditions.
Do Heritage Bank and Regional Australia Bank savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while Regional Australia Bank requires meeting bonus conditions each month to earn the full advertised rate.