Heartland Bank LTD




Heartland Bank LTD is a reputable financial institution serving the community for over decades. With a mission to improve the lives of Kiwis by making money for them. By integrating banking and technology, they aim to make banking easy. Heartland Bank Ltd is committed to providing excellent customer service and long-term building relationships with customers, from savings accounts to loans for all and reverse mortgages.

  • Bank Type


  • Founded


  • Headquarters

    Auckland, Newmarket

  • Industry


  • Formerly/Predecessor

    Ashburton Permanent Building & Investment Society

  • Subsidiaries


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Pros & Cons-Heartland Bank LTD


  • Strict lending policies.
  • High Property Value for First Home Buyers.
  • Home Loan for Self-Employed.
  • Signup Fees.
  • Strict Age Restrictions.
  • Customer Support.

About of Heartland Bank LTD

Heartland Bank Ltd is a New Zealand-based digital financial services provider that provides personal and business customers with various banking, lending, and insurance products. The bank began as a building society in 1875 and has since grown into a fully licensed bank operating online. Heartland Bank focuses on providing innovative, customer-focused financial solutions tailored to each customer's needs. Savings accounts, personal loans, home loans, reverse mortgages, and vehicle financing are among the services the bank provides. Heartland Bank is a New Zealand Stock Exchange-listed company that the Reserve Bank of New Zealand regulates. Heartland Bank Ltd is governed by a Board of Directors, which oversees the bank's operations and determines its strategic direction. Geoff Ricketts is the current Chair of the Board. The bank also has a Chief Executive Officer (CEO) who is in charge of day-to-day operations. Jeff Greenslade is the current CEO of Heartland Bank Ltd. Furthermore, a senior leadership team oversees the bank's various business units and operations.

Features & Benefits of Heartland Bank LTD

Heartland Bank's digital platform, customised financial solutions, competitive interest rates, innovative lending products, personalised service, community impact, and regulatory oversight make it an appealing option for customers seeking a modern, innovative, and customer-focused bank. Heartland Bank Ltd provides its customers with a variety of features and benefits, including:

  • Digital Banking: Heartland Bank is a fully online bank that offers a variety of digital banking services, allowing customers to access their accounts and manage their finances from any location and at any time.
  • Personalised Financial Services: The bank provides tailored financial solutions to its customers, ranging from individuals to small and medium-sized businesses.
  • Competitive interest rates: Heartland Bank provides competitive interest rates on savings accounts and term deposits, allowing customers to grow their money over time.
  • Innovative Lending Solutions: The bank provides innovative lending products, such as reverse mortgages and auto financing, to meet the changing needs of its customers.
  • Service that is tailored to your needs: Heartland Bank offers personalised service to its customers, with a team of experienced bankers on hand to answer questions and help.
  • Impact on the Community: Heartland Bank is dedicated to making a positive difference in the communities it serves through charitable giving, volunteering, and other initiatives.
  • Regulatory Control: The Reserve Bank of New Zealand regulates Heartland Bank, ensuring that it operates safely and soundly and offers its customers a secure and dependable banking experience.

Services Offered by Heartland Bank LTD

Heartland Bank Ltd provides personal and business customers with a variety of banking, lending, and insurance products and services. Heartland Bank offers the following key services:

  • Deposits: Heartland Bank provides a variety of deposit and savings products, such as call accounts, term deposits, and online savings accounts, all with competitive interest rates.
  • Lending: Personal loans, home loans, reverse mortgages, motor vehicle financing, and business loans are among the lending products offered by the bank. The bank's lending products are tailored to the specific needs of its customers.
  • Insurance: Heartland Bank provides a variety of insurance products, such as home, contents, auto, and loan protection insurance. The bank's insurance products are intended to provide customers with peace of mind and financial security.
  • Banking for Businesses: The Business division of the bank provides a variety of financial solutions to small and medium-sized businesses, such as loans, leasing, insurance, and working capital solutions.
  • Banking in Rural Areas: The Rural division of Heartland Bank offers specialised lending services to farmers and rural businesses, such as term loans, seasonal finance, and livestock financing.
  • Banking on the Internet: Heartland Bank is a fully online bank that offers a variety of digital banking services such as online banking, mobile banking, and a mobile app, allowing customers to manage their accounts and finances from any location and at any time.
  • Foreign currency: Heartland Bank provides its customers with foreign exchange services, as well as a variety of solutions to help businesses manage their currency risk. Heartland Bank offers a diverse range of financial products and services to meet the needs of its diverse customer base, with an emphasis on innovation, customisation, and customer service.

Types of Accounts in Heartland Bank LTD

Heartland Bank Ltd provides personal and business customers with a variety of deposit and savings accounts. The bank provides the following types of accounts:

  • Accounts to Call: A call account is a type of savings account that allows customers to deposit and withdraw funds as needed.
  • Term Investments: A term deposit is a savings account that pays a fixed interest rate for a set period of time, usually between 30 days and 5 years. In general, term deposits pay higher interest rates than call accounts.
  • Savings Accounts Online: An online savings account is a savings account that can be managed entirely online, providing customers with 24/7 access to their funds and account information.
  • Accounts for Business Calls: Heartland Bank provides call accounts for businesses, allowing them to manage their cash flow flexibly.
  • Term Deposits for Businesses: Heartland Bank also offers term deposits to businesses, which provide a safe and dependable way for them to earn interest on their savings.
  • Accounts in Foreign Currency: Heartland Bank provides foreign currency accounts in a variety of currencies, allowing customers to manage their currency risk.
  • Accounts de fiducie: Customers who require a secure and dependable way to manage their funds can open trust accounts at the bank.

Heartland Bank's deposit and savings accounts provide customers with a variety of options to meet their savings goals and financial needs, with competitive interest rates and flexible terms. Customers can manage their accounts from anywhere, at any time, thanks to the bank's online and mobile banking services.

Heartland Bank LTD - Opening Hours

Day Timing
Monday to Thursday 8:00 am to 5:00 pm
Friday, Saturday, and Sunday closed

Contact Details / Customer Service

Contact details Phone: 0800 85 20 20 (within New Zealand) or +64 4 460 9152 (from overseas).
Website https://www.heartland.co.nz/
Social media Twitter ,,Facebook,Linkdin,youtube ,Instagram

Frequently Asked Questions

How good is Heartland Bank Ltd?

Heartland Bank’s standing in the banking sector. A bank with its headquarters in New Zealand, Heartland Bank Ltd., provides a variety of financial services to consumers, companies, and rural clients. Innovative financial products, such as personal loans, mortgages, term deposits, and insurance, are a priority for the bank. Heartland Bank Limited has recently demonstrated sustained growth in terms of its financial performance. For instance, the bank reported a net profit after tax of NZD 94.3 million in its fiscal year 2021, an increase of 16% from the year before. Moreover, the bank’s total assets increased from NZD 4.4 billion in 2020 to NZD 5.1 billion in 2021.

Who is the owner of Heartland Bank Ltd?

Since Heartland Bank Ltd. is a publicly-traded company, its shareholders own it. New Zealand Central Securities Depository Limited, which owns about 14.9% of Heartland Bank Ltd.’s shares as of February 2023, is the company with the greatest stake in the corporation. Institutional investors and fund managers make up additional important shareholders.
A board of directors serves as the governing body of Heartland Bank Ltd. They are in charge of directing the organisation’s administration and strategic course. Geoffrey Ricketts now serves as the board chairman of Heartland Bank Ltd. Jeff Greenslade currently serves as the CEO.

How much cash can I withdraw from Heartland Bank Ltd ATM?

Your account type and any daily limits imposed by the bank will determine how much cash you can take from an ATM operated by Heartland Bank Ltd. The easiest way to determine the withdrawal restrictions for your particular account is to speak with Heartland Bank directly.

What is the minimum balance for Heartland Bank Ltd?

Depending on the kind of account you have with the bank, Heartland Bank Ltd. may have different minimum balance requirements. For certain types of accounts, such as checking or savings accounts, banks have minimum balance requirements. These minimum balance restrictions could be put in place to make sure that customers keep a certain amount of money in their accounts or to be eligible for particular account features or bonuses.

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