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 Virgin Money
Compare Heritage Bank and Virgin Money savings accounts side by side. In March 2026, Heritage Bank offers 1 account with rates up to 4.10% p.a., while Virgin Money has 1 account reaching 4.00% p.a. Heritage Bank currently leads by 0.10%.
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
Heritage Bank leads on headline savings rate by 0.10% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.10% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Heritage Bank | Virgin Money |
|---|---|---|
| Max rate | 4.10% | 4.00% |
| Base rate | 2.70% | 0.05% |
| Bonus rate | 0.00% | 3.95% |
| Has conditions | No | Yes |
All Heritage Bank Products
Every tracked savings accounts option from Heritage Bank.
All Virgin Money Products
Every tracked savings accounts option from Virgin Money.
In March 2026, Heritage Bank's Online Saver offers up to 4.10% p.a., while Virgin Money's Boost Saver reaches 4.00% p.a. (0.05% base + 3.95% bonus). Heritage Bank currently leads by 0.10% p.a.
Heritage Bank offers its top rate unconditionally, while Virgin Money requires monthly conditions. Heritage Bank's rate includes an introductory component for 4 months. Heritage Bank's rate applies on balances up to $100,000.
Heritage Bank has 1 savings product and Virgin Money has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Heritage Bank | Virgin Money |
|---|---|---|
| Max Rate | 4.10% | 4.00% |
| Base Rate | 2.70% | 0.05% |
| Bonus Rate | 0.00% | 3.95% |
Common Questions
Heritage Bank vs Virgin Money FAQs
Which bank has the better savings rate, Heritage Bank or Virgin Money?
Heritage Bank currently offers the higher rate at 4.10% p.a., compared to 4.00% 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 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 Heritage Bank and Virgin Money savings accounts have conditions?
Heritage Bank's top rate has no ongoing conditions, while Virgin Money requires meeting bonus conditions each month to earn the full advertised rate.