Connect Heartland Bank to PayDay
Auto-fund your Heartland Digital Saver and 32-Day Notice Saver every payday. Pair NZ's highest-interest savings accounts with PayDay's set-and-forget automation.
Connect Your Heartland Account in Minutes
Follow these simple steps to link your Heartland Bank accounts to PayDay securely.
Download PayDay
Get the PayDay app from the App Store or Google Play and create your free account.
Select Heartland
Tap "Connect Bank" and choose Heartland Bank from the list of supported NZ banks.
Log In Securely
Sign in through Heartland's secure portal via Akahu. We never see your password.
Set Your Splits
Choose your accounts and set percentages. PayDay splits your pay automatically from then on.
Full Heartland Compatibility
PayDay works with every Heartland Bank product. Heartland is a fully digital NZ bank that consistently tops savings rate comparisons — and PayDay makes sure every payday, your chosen percentage lands in the account that earns you the most.
- Heartland Digital Saver
Often NZ's highest-rate everyday savings account. Auto-fund it with every pay.
- Heartland 32-Day Notice Saver
Higher rate for locking money away. PayDay keeps topping it up automatically.
- Heartland YouChoose Term Deposits
Build the principal for your next YouChoose term deposit, one pay cycle at a time.
- Heartland Direct Call Account
Perfect as an everyday account to receive pay before PayDay redistributes it.
Heartland Transfer Times
Tip: Heartland is a fully digital bank, so there's no branch network to slow things down. Combined with PayDay, your pay can be allocated and earning interest within seconds of landing.
Heartland + PayDay FAQs
Common questions from Heartland Bank customers about using PayDay.
Does PayDay work with Heartland Digital Saver?
Yes! PayDay is made for exactly this use case. Because Heartland Digital Saver is one of New Zealand's highest-interest savings accounts, auto-splitting a portion of every pay straight into it is one of the highest-value setups PayDay users have. Connect once and your Digital Saver is fed every payday.
Will Heartland's Digital Saver interest rate still apply?
Absolutely. PayDay transfers are treated as regular deposits, so your Heartland Digital Saver balance earns the full advertised rate on everything PayDay sends over. There are no conditions you'll break by automating deposits — Heartland Digital Saver pays the rate on every dollar, no minimums, no monthly criteria.
Is Heartland's 32-Day Notice Saver compatible with PayDay?
Yes. PayDay can auto-fund your Heartland 32-Day Notice Saver every payday. Deposits don't require any notice — only withdrawals do. So you can keep stacking the account at the higher notice rate automatically, and only need to plan ahead when you want to pull money back out.
Is connecting my Heartland Bank account safe?
Yes, completely safe. PayDay uses Akahu, New Zealand's leading open banking platform. Your Heartland login credentials are entered directly on Heartland's secure site and are never seen or stored by PayDay. We only get read access to see balances and payment-initiation access to make the transfers you've authorised.
Heartland is a fully digital bank — any special considerations?
None — in fact, Heartland's digital-first design makes it a great pairing with PayDay. There are no branches to visit, no paper forms, no manual authorisations needed. Everything happens digitally, which is exactly how PayDay works too. Connect once and you're done.
Can I use Heartland's internal transfers alongside PayDay?
Yes! PayDay works independently of any automatic payments or transfers you've set up in Heartland's app. Many users use PayDay to split their pay on arrival (e.g. 40% to Digital Saver, 10% to Notice Saver, rest stays for bills) and let Heartland's internal transfers handle any further moves.
Ready to Auto-Fund Your Heartland Digital Saver?
Join Kiwis who've paired Heartland's market-leading rates with PayDay's automation. Takes less than 2 minutes to set up.
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Also Have Accounts at Other Banks?
PayDay supports all major NZ banks. Connect multiple banks and split across any combination.