# Heartland Bank (New Zealand)

> Source: https://docs.barcoder.ai/docs/wallets/heartland-bank-nz
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Heartland NZ — official](https://www.heartland.co.nz/)

## Overview

**Heartland Bank (New Zealand)** is **New Zealand commercial bank** + **NZX: HGH ASX: HGH** + **New Zealand retail + institutional + foreign investors free float** + **one of New Zealand's mid-sized commercial banks specialising in reverse mortgages + livestock finance** + **founded Jan 31 2011 in Auckland New Zealand via consolidation of Marac Finance + Combined Building Society + Canterbury Building Society + 2012 Heartland Bank full commercial banking license** <sup>[1][1], [New Zealand report](https://docs.barcoder.ai/docs/payments/NZ)</sup>.

## History

**Jan 31 2011 — Heartland New Zealand founded in Auckland New Zealand via consolidation of Marac Finance + Combined Building Society + Canterbury Building Society**.

**Dec 17 2012 — Heartland Bank full Reserve Bank of New Zealand RBNZ commercial banking license consolidating Heartland New Zealand** distinctive New Zealand banking heritage as specialised reverse mortgages + livestock finance commercial bank.

**Apr 1 2018 — Heartland Group Holdings Limited holding restructure consolidating Heartland Bank New Zealand + Heartland Australia reverse mortgages**.

**2014 — Heartland Mobile banking app launch**.

## Ownership & operator

**Operating entity**: **Heartland Group Holdings Limited dba Heartland Bank** (New Zealand commercial bank; NZX: HGH; ASX: HGH).

**Major shareholders**: **New Zealand retail + institutional + foreign investors free float**.

**Regulators**: **Reserve Bank of New Zealand RBNZ + Australian Prudential Regulation Authority APRA via Heartland Australia subsidiary**.

## Technical integration

Heartland Mobile app (iOS + Android) + heartland.co.nz online + Heartland Bank limited branch network across New Zealand + Australia (Heartland Australia reverse mortgages specialty subsidiary) + Heartland Visa + Mastercard cards; Payments NZ 7-15 (New Zealand interbank instant payments) + EMVCo QRCPS QR payments + New Zealand Dollar NZD domestic transfers.

## Implementations & partners

**Major New Zealand banking + payments competitors**: [ANZ New Zealand](https://docs.barcoder.ai/docs/wallets/anz-nz) (ANZ Bank New Zealand; New Zealand's largest commercial bank by assets) + [ASB Bank](https://docs.barcoder.ai/docs/wallets/asb-bank) (ASB Bank) + [BNZ Bank of New Zealand](https://docs.barcoder.ai/docs/wallets/bnz-nz) (Bank of New Zealand BNZ) + [Westpac NZ](https://docs.barcoder.ai/docs/wallets/westpac-nz) (Westpac New Zealand) + [Kiwibank](https://docs.barcoder.ai/docs/wallets/kiwibank) (Kiwibank; New Zealand state-owned commercial bank) + [TSB Bank (New Zealand)](https://docs.barcoder.ai/docs/wallets/tsb-bank-nz) (TSB Bank; New Zealand mutual commercial bank).

**Regulators**: Reserve Bank of New Zealand RBNZ + Australian Prudential Regulation Authority APRA via Heartland Australia subsidiary.

## Status

**Active, New Zealand commercial bank + NZX:HGH ASX:HGH + New Zealand retail + institutional + foreign investors free float + one of New Zealand's mid-sized commercial banks specialising in reverse mortgages + livestock finance + founded Jan 31 2011 in Auckland New Zealand via consolidation of Marac Finance + Combined Building Society + Canterbury Building Society + 2012 Heartland Bank full commercial banking license** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.heartland.co.nz/ "Heartland NZ — official"
[2]: https://en.wikipedia.org/wiki/Heartland_Bank "Heartland NZ — Wikipedia"
[nz-cro]: https://docs.barcoder.ai/docs/payments/NZ

- [1] [Heartland NZ — official][1]
- [2] [Heartland NZ — Wikipedia][2]
- <sup>[New Zealand report](https://docs.barcoder.ai/docs/payments/NZ)</sup> In-corpus: `reports/countries/NZ-new-zealand.md`

## Source

Biography extracted from [heartland-bank-nz.md](https://docs.barcoder.ai/source/wallets/heartland-bank-nz). See `matrix.md` for standards-support matrix if present.