<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e849f-3f90-776b-970a-cff2ecaa7e96,g:0af12f4f-8e15-42fc-8f20-d45b63f15d47-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://healthequity.com/role/Condensedconsolidatedstatementsofoperationsunaudited" xlink:type="simple" xlink:href="hqy-20260731.xsd#Condensedconsolidatedstatementsofoperationsunaudited"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/Condensedconsolidatedstatementsofoperationsunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e849f-406b-7f1f-b4e8-cd34ead1335e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_StatementTable_019e849f-406b-7f1f-b4e8-cd34ead1335e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e849f-406b-7049-a7e0-a75e0a3d15bb" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e849f-406b-7f1f-b4e8-cd34ead1335e" xlink:to="loc_srt_ProductOrServiceAxis_019e849f-406b-7049-a7e0-a75e0a3d15bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e849f-406b-7049-a7e0-a75e0a3d15bb_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_019e849f-406b-7049-a7e0-a75e0a3d15bb" xlink:to="loc_srt_ProductsAndServicesDomain_019e849f-406b-7049-a7e0-a75e0a3d15bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e849f-406b-798b-a15c-77f3fde0a783" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_019e849f-406b-7049-a7e0-a75e0a3d15bb" xlink:to="loc_srt_ProductsAndServicesDomain_019e849f-406b-798b-a15c-77f3fde0a783" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServiceMember_019e849f-406b-7e45-81b2-cecdc830957a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019e849f-406b-798b-a15c-77f3fde0a783" xlink:to="loc_us-gaap_ServiceMember_019e849f-406b-7e45-81b2-cecdc830957a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialServiceOtherMember_019e849f-406b-782e-89b3-6322c9f02d1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialServiceOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019e849f-406b-798b-a15c-77f3fde0a783" xlink:to="loc_us-gaap_FinancialServiceOtherMember_019e849f-406b-782e-89b3-6322c9f02d1d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditAndDebitCardMember_019e849f-406b-7881-932a-8230ee3a2ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditAndDebitCardMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019e849f-406b-798b-a15c-77f3fde0a783" xlink:to="loc_us-gaap_CreditAndDebitCardMember_019e849f-406b-7881-932a-8230ee3a2ea0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_019e849f-406b-7bac-8e33-27fce274a84b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenuesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_RevenuesAbstract_019e849f-406b-7bac-8e33-27fce274a84b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e849f-406b-7524-82b9-a58c0c93f7c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019e849f-406b-7bac-8e33-27fce274a84b" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e849f-406b-7524-82b9-a58c0c93f7c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfRevenueAbstract_019e849f-406b-76c4-b54b-dca5bebe3685" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfRevenueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_CostOfRevenueAbstract_019e849f-406b-76c4-b54b-dca5bebe3685" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold_019e849f-406b-79fa-81a3-1b09eb451c5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfGoodsAndServicesSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CostOfRevenueAbstract_019e849f-406b-76c4-b54b-dca5bebe3685" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSold_019e849f-406b-79fa-81a3-1b09eb451c5a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_019e849f-406b-7de3-b85f-8a841a637f22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GrossProfit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_GrossProfit_019e849f-406b-7de3-b85f-8a841a637f22" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_019e849f-406b-7874-ac44-635fb026bc76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_us-gaap_SellingAndMarketingExpense_019e849f-406b-7874-ac44-635fb026bc76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_019e849f-406b-7b52-a596-761a747833df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_019e849f-406b-7b52-a596-761a747833df" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019e849f-406b-73a9-8934-de1f0624b89f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019e849f-406b-73a9-8934-de1f0624b89f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_AmortizationOfAcquiredIntangible_019e849f-406b-7284-942b-588186d97f00" xlink:href="hqy-20260731.xsd#hqy_AmortizationOfAcquiredIntangible"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_hqy_AmortizationOfAcquiredIntangible_019e849f-406b-7284-942b-588186d97f00" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_019e849f-406b-7ff4-8e32-aef7119260f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationIntegrationRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_019e849f-406b-7ff4-8e32-aef7119260f2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e849f-406b-7d31-8a5b-c4ed40945f24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_019e849f-406b-76f2-a6d7-a4a1ee2e678e" xlink:to="loc_us-gaap_OperatingExpenses_019e849f-406b-7d31-8a5b-c4ed40945f24" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019e849f-406b-729c-99ed-9e46122a45d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_OperatingIncomeLoss_019e849f-406b-729c-99ed-9e46122a45d5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_019e849f-406b-710e-aeb2-0c391c7503e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_019e849f-406b-710e-aeb2-0c391c7503e3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNonoperating_019e849f-406b-76d0-9369-3a85774ffe18" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseNonoperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_019e849f-406b-710e-aeb2-0c391c7503e3" xlink:to="loc_us-gaap_InterestExpenseNonoperating_019e849f-406b-76d0-9369-3a85774ffe18" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019e849f-406b-74f6-9017-bcea5ad0bb10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_019e849f-406b-710e-aeb2-0c391c7503e3" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019e849f-406b-74f6-9017-bcea5ad0bb10" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_019e849f-406b-7ef4-9f1a-55fd7f3ea72b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NonoperatingIncomeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_019e849f-406b-710e-aeb2-0c391c7503e3" xlink:to="loc_us-gaap_NonoperatingIncomeExpense_019e849f-406b-7ef4-9f1a-55fd7f3ea72b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e849f-406b-74ef-a849-58982fe7a24a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e849f-406b-74ef-a849-58982fe7a24a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e849f-406b-72b5-bab5-1ede6fdf6a25" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e849f-406b-72b5-bab5-1ede6fdf6a25" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e849f-406b-76df-90b1-7634e8445861" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_NetIncomeLoss_019e849f-406b-76df-90b1-7634e8445861" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasicAbstract_019e849f-406b-7dd1-9595-ea556e33f97d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasicAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_us-gaap_EarningsPerShareBasicAbstract_019e849f-406b-7dd1-9595-ea556e33f97d" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019e849f-406b-7698-8fb6-b8dbd6daf914" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EarningsPerShareBasicAbstract_019e849f-406b-7dd1-9595-ea556e33f97d" xlink:to="loc_us-gaap_EarningsPerShareBasic_019e849f-406b-7698-8fb6-b8dbd6daf914" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019e849f-406b-7c92-92ed-8632c96c4933" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EarningsPerShareBasicAbstract_019e849f-406b-7dd1-9595-ea556e33f97d" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019e849f-406b-7c92-92ed-8632c96c4933" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract_019e849f-406b-784f-bd3a-b4325470867a" xlink:href="hqy-20260731.xsd#hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-7c10-b70a-78c57892236a" xlink:to="loc_hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract_019e849f-406b-784f-bd3a-b4325470867a" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e849f-406b-7d2d-8440-044409ffbade" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract_019e849f-406b-784f-bd3a-b4325470867a" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e849f-406b-7d2d-8440-044409ffbade" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e849f-406b-780e-9b7b-71aeb89f67aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract_019e849f-406b-784f-bd3a-b4325470867a" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e849f-406b-780e-9b7b-71aeb89f67aa" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/Condensedconsolidatedstatementsofstockholdersequityunaudited" xlink:type="simple" xlink:href="hqy-20260731.xsd#Condensedconsolidatedstatementsofstockholdersequityunaudited"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/Condensedconsolidatedstatementsofstockholdersequityunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e849f-406b-798d-b635-3738605e7a6e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e849f-406b-741f-9fc3-a0a49a15d54b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-798d-b635-3738605e7a6e" xlink:to="loc_us-gaap_StatementTable_019e849f-406b-741f-9fc3-a0a49a15d54b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-74ef-9d77-d8ac32ea41be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e849f-406b-741f-9fc3-a0a49a15d54b" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-74ef-9d77-d8ac32ea41be" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e849f-406b-74ef-9d77-d8ac32ea41be_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-74ef-9d77-d8ac32ea41be" xlink:to="loc_us-gaap_EquityComponentDomain_019e849f-406b-74ef-9d77-d8ac32ea41be_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-74ef-9d77-d8ac32ea41be" xlink:to="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019e849f-406b-758b-bd64-fb070efd51b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:to="loc_us-gaap_CommonStockMember_019e849f-406b-758b-bd64-fb070efd51b7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019e849f-406b-7a30-9f1e-1c3d0c697f13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019e849f-406b-7a30-9f1e-1c3d0c697f13" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019e849f-406b-7e83-ba5a-ea503994d353" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:to="loc_us-gaap_RetainedEarningsMember_019e849f-406b-7e83-ba5a-ea503994d353" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-77b4-8436-f670f8375be4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e849f-406b-7dbc-8571-4faa1f532d73" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-77b4-8436-f670f8375be4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e849f-406b-798d-b635-3738605e7a6e" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e849f-406b-7593-a083-f83b82cc8296" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_StockholdersEquity_019e849f-406b-7593-a083-f83b82cc8296" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e849f-406b-76a1-919c-573f38adc3db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e849f-406b-76a1-919c-573f38adc3db" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019e849f-406b-7f30-b61b-7bf43593d9f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019e849f-406b-7f30-b61b-7bf43593d9f9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019e849f-406b-7a7a-bfb0-7adaee0fb7dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019e849f-406b-7a7a-bfb0-7adaee0fb7dd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e849f-406b-7729-90c3-ac2b104d47d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_NetIncomeLoss_019e849f-406b-7729-90c3-ac2b104d47d0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e849f-406b-783e-ad06-7e80fa59c231" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e849f-406b-7845-ab37-3344163bb709" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e849f-406b-783e-ad06-7e80fa59c231" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e849f-406b-7c1f-9b1b-651cd4e09fb7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/SupplementalfinancialstatementinformationScheduleofPropertyandEquipmentDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#SupplementalfinancialstatementinformationScheduleofPropertyandEquipmentDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/SupplementalfinancialstatementinformationScheduleofPropertyandEquipmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_019e849f-406b-7655-a879-0e365161e665" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_019e849f-406b-775d-9748-f060e1d0544b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_019e849f-406b-7655-a879-0e365161e665" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_019e849f-406b-775d-9748-f060e1d0544b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019e849f-406b-7c62-abc4-57e7836406d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_019e849f-406b-775d-9748-f060e1d0544b" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019e849f-406b-7c62-abc4-57e7836406d0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7c62-abc4-57e7836406d0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019e849f-406b-7c62-abc4-57e7836406d0" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7c62-abc4-57e7836406d0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7b04-a633-49a874c5635f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019e849f-406b-7c62-abc4-57e7836406d0" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7b04-a633-49a874c5635f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember_019e849f-406b-7216-baca-ccb84a51daa0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7b04-a633-49a874c5635f" xlink:to="loc_us-gaap_LeaseholdImprovementsMember_019e849f-406b-7216-baca-ccb84a51daa0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_019e849f-406b-78a9-86a1-23a1b177b96d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7b04-a633-49a874c5635f" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_019e849f-406b-78a9-86a1-23a1b177b96d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComputerEquipmentMember_019e849f-406b-76e1-a2d8-f157b4381a3b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComputerEquipmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019e849f-406b-7b04-a633-49a874c5635f" xlink:to="loc_us-gaap_ComputerEquipmentMember_019e849f-406b-76e1-a2d8-f157b4381a3b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_019e849f-406b-7c37-a875-94b763d09bfd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_019e849f-406b-7655-a879-0e365161e665" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_019e849f-406b-7c37-a875-94b763d09bfd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019e849f-406b-765a-8745-dd6bc4e06826" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_019e849f-406b-7655-a879-0e365161e665" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_019e849f-406b-765a-8745-dd6bc4e06826" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e849f-406b-7d2c-aee0-6e3d8091610f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_019e849f-406b-7655-a879-0e365161e665" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019e849f-406b-7d2c-aee0-6e3d8091610f" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/SupplementalfinancialstatementinformationNarrativeDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#SupplementalfinancialstatementinformationNarrativeDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/SupplementalfinancialstatementinformationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable_019e849f-406b-7d15-8f74-77bc66797743" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable_019e849f-406b-7d15-8f74-77bc66797743" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis_019e849f-406b-7f4f-972f-6553849ba467" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable_019e849f-406b-7d15-8f74-77bc66797743" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis_019e849f-406b-7f4f-972f-6553849ba467" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_019e849f-406b-716e-989b-79c241091a09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Depreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_Depreciation_019e849f-406b-716e-989b-79c241091a09" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligation_019e849f-406b-749b-bf95-a0924dddcb9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligation_019e849f-406b-749b-bf95-a0924dddcb9a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e849f-406b-7fdb-8eee-ee31c52c7a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e849f-406b-7fdb-8eee-ee31c52c7a6f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e849f-406b-7bee-9633-3c4f4c437ee8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e849f-406b-7bee-9633-3c4f4c437ee8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityRevenueRecognized_019e849f-406b-7f76-bf23-5b946acb295c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerLiabilityRevenueRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityRevenueRecognized_019e849f-406b-7f76-bf23-5b946acb295c" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/SupplementalfinancialstatementinformationNarrativeDetails_1" xlink:type="simple" xlink:href="hqy-20260731.xsd#SupplementalfinancialstatementinformationNarrativeDetails_1"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/SupplementalfinancialstatementinformationNarrativeDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable_019e849f-406b-7d15-8f74-77bc66797743" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionTable_019e849f-406b-7d15-8f74-77bc66797743" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_019e849f-406b-716e-989b-79c241091a09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Depreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_Depreciation_019e849f-406b-716e-989b-79c241091a09" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligation_019e849f-406b-749b-bf95-a0924dddcb9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligation_019e849f-406b-749b-bf95-a0924dddcb9a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e849f-406b-7fdb-8eee-ee31c52c7a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e849f-406b-7fdb-8eee-ee31c52c7a6f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e849f-406b-7bee-9633-3c4f4c437ee8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e849f-406b-7bee-9633-3c4f4c437ee8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityRevenueRecognized_019e849f-406b-7f76-bf23-5b946acb295c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractWithCustomerLiabilityRevenueRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionLineItems_019e849f-406b-7501-af80-64bb71c9313f" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityRevenueRecognized_019e849f-406b-7f76-bf23-5b946acb295c" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/IntangibleassetsandgoodwillScheduleofGrossCarryingAmountandAssociatedAccumulatedAmortizationofIntangibleAssetsDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#IntangibleassetsandgoodwillScheduleofGrossCarryingAmountandAssociatedAccumulatedAmortizationofIntangibleAssetsDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/IntangibleassetsandgoodwillScheduleofGrossCarryingAmountandAssociatedAccumulatedAmortizationofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019e849f-406b-78f4-aa89-4a5a00517d02" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019e849f-406b-70ac-927e-4defa74f9c39" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019e849f-406b-78f4-aa89-4a5a00517d02" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019e849f-406b-70ac-927e-4defa74f9c39" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019e849f-406b-7d73-92d0-4dc4235a6a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019e849f-406b-70ac-927e-4defa74f9c39" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019e849f-406b-7d73-92d0-4dc4235a6a2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7d73-92d0-4dc4235a6a2f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019e849f-406b-7d73-92d0-4dc4235a6a2f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7d73-92d0-4dc4235a6a2f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019e849f-406b-7d73-92d0-4dc4235a6a2f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_019e849f-406b-7588-b1f6-0abca209e4de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:to="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_019e849f-406b-7588-b1f6-0abca209e4de" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_AcquiredHSAIntangibleAssetsMember_019e849f-406b-70bd-8da9-a383ecd1e235" xlink:href="hqy-20260731.xsd#hqy_AcquiredHSAIntangibleAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:to="loc_hqy_AcquiredHSAIntangibleAssetsMember_019e849f-406b-70bd-8da9-a383ecd1e235" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_019e849f-406b-79b4-8a01-b084feafbf8d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:to="loc_us-gaap_CustomerRelationshipsMember_019e849f-406b-79b4-8a01-b084feafbf8d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_019e849f-406b-72fe-95a7-37bad275dcf1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_019e849f-406b-72fe-95a7-37bad275dcf1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradeNamesMember_019e849f-406b-7caf-a2e1-f170afd5130b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TradeNamesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019e849f-406b-7459-9fd8-74ff7e86efbe" xlink:to="loc_us-gaap_TradeNamesMember_019e849f-406b-7caf-a2e1-f170afd5130b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019e849f-406b-7932-8c48-9fa7c443aa1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019e849f-406b-78f4-aa89-4a5a00517d02" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019e849f-406b-7932-8c48-9fa7c443aa1c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019e849f-406b-7660-a23a-b2d90cd47bd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019e849f-406b-78f4-aa89-4a5a00517d02" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019e849f-406b-7660-a23a-b2d90cd47bd4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e849f-406b-7f14-a038-5d996ff868d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019e849f-406b-78f4-aa89-4a5a00517d02" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e849f-406b-7f14-a038-5d996ff868d8" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/CommitmentandContingenciesDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#CommitmentandContingenciesDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/CommitmentandContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems_019e849f-406b-7ddd-861d-e1d94febeddb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable_019e849f-406b-73c9-a796-7ad3fd9407c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e849f-406b-7ddd-861d-e1d94febeddb" xlink:to="loc_us-gaap_LossContingenciesTable_019e849f-406b-73c9-a796-7ad3fd9407c4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_019e849f-406b-75b0-aafc-e9b8e5fe9226" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019e849f-406b-73c9-a796-7ad3fd9407c4" xlink:to="loc_us-gaap_CreditFacilityAxis_019e849f-406b-75b0-aafc-e9b8e5fe9226" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-75b0-aafc-e9b8e5fe9226_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-75b0-aafc-e9b8e5fe9226" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-75b0-aafc-e9b8e5fe9226_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7745-b0c5-c6be0d928bab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-75b0-aafc-e9b8e5fe9226" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7745-b0c5-c6be0d928bab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-76df-8fed-4c12e98f6c66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7745-b0c5-c6be0d928bab" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-76df-8fed-4c12e98f6c66" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7aa0-8ccc-64aa80c2dca6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019e849f-406b-73c9-a796-7ad3fd9407c4" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7aa0-8ccc-64aa80c2dca6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7aa0-8ccc-64aa80c2dca6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7aa0-8ccc-64aa80c2dca6" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7aa0-8ccc-64aa80c2dca6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7a3a-bf8e-8d00acdb44e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7aa0-8ccc-64aa80c2dca6" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7a3a-bf8e-8d00acdb44e5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_CreditAgreementMember_019e849f-406b-7d59-b10a-32653d335b37" xlink:href="hqy-20260731.xsd#hqy_CreditAgreementMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7a3a-bf8e-8d00acdb44e5" xlink:to="loc_hqy_CreditAgreementMember_019e849f-406b-7d59-b10a-32653d335b37" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-78fd-99b6-73c7725584b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019e849f-406b-73c9-a796-7ad3fd9407c4" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-78fd-99b6-73c7725584b0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-78fd-99b6-73c7725584b0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-78fd-99b6-73c7725584b0" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-78fd-99b6-73c7725584b0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7cd0-b3be-020be72f6917" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-78fd-99b6-73c7725584b0" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7cd0-b3be-020be72f6917" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditMember_019e849f-406b-7331-924a-6f63e3436e8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7cd0-b3be-020be72f6917" xlink:to="loc_us-gaap_LineOfCreditMember_019e849f-406b-7331-924a-6f63e3436e8c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019e849f-406b-72b4-a169-debae509d2f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDebtExtinguishmentCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e849f-406b-7ddd-861d-e1d94febeddb" xlink:to="loc_us-gaap_PaymentsOfDebtExtinguishmentCosts_019e849f-406b-72b4-a169-debae509d2f8" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/IndebtednessScheduleofLongTermDebtDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#IndebtednessScheduleofLongTermDebtDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/IndebtednessScheduleofLongTermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70a4-ac5d-149cdc486445" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70a4-ac5d-149cdc486445" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7b3c-b6c2-f95a8984583c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70a4-ac5d-149cdc486445" xlink:to="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7b3c-b6c2-f95a8984583c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7b3c-b6c2-f95a8984583c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7b3c-b6c2-f95a8984583c" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7b3c-b6c2-f95a8984583c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7325-bff0-c548907dee73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7b3c-b6c2-f95a8984583c" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7325-bff0-c548907dee73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_RevolvingCreditFacilityAndPriorRevolvingCreditFacilityMember_019e849f-406b-71c7-96e5-54cc31469d36" xlink:href="hqy-20260731.xsd#hqy_RevolvingCreditFacilityAndPriorRevolvingCreditFacilityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7325-bff0-c548907dee73" xlink:to="loc_hqy_RevolvingCreditFacilityAndPriorRevolvingCreditFacilityMember_019e849f-406b-71c7-96e5-54cc31469d36" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-796f-b82d-892692dc681d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_hqy_RevolvingCreditFacilityAndPriorRevolvingCreditFacilityMember_019e849f-406b-71c7-96e5-54cc31469d36" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-796f-b82d-892692dc681d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-75f9-adc7-9a9c98e205c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70a4-ac5d-149cdc486445" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-75f9-adc7-9a9c98e205c2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-75f9-adc7-9a9c98e205c2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-75f9-adc7-9a9c98e205c2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-75f9-adc7-9a9c98e205c2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7397-8719-a482e062fadd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-75f9-adc7-9a9c98e205c2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7397-8719-a482e062fadd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-780d-8d7a-0097a46e9d4c" xlink:href="hqy-20260731.xsd#hqy_A4500SeniorNotesDue2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7397-8719-a482e062fadd" xlink:to="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-780d-8d7a-0097a46e9d4c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_CreditAgreementMember_019e849f-406b-754c-bbf4-1e07d3940400" xlink:href="hqy-20260731.xsd#hqy_CreditAgreementMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7397-8719-a482e062fadd" xlink:to="loc_hqy_CreditAgreementMember_019e849f-406b-754c-bbf4-1e07d3940400" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019e849f-406b-77e0-ab35-d4ee53278d86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019e849f-406b-77e0-ab35-d4ee53278d86" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019e849f-406b-7464-96c6-b0788ff0c764" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019e849f-406b-7464-96c6-b0788ff0c764" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_019e849f-406b-774b-ad78-1f26c68acf4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_019e849f-406b-774b-ad78-1f26c68acf4b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019e849f-406b-7d9e-950d-3cab83340261" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_LongTermDebt_019e849f-406b-7d9e-950d-3cab83340261" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_019e849f-406b-74c4-a2ca-a3c42823b2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_LongTermDebtCurrent_019e849f-406b-74c4-a2ca-a3c42823b2d5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_019e849f-406b-7447-8115-63925231039a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_019e849f-406b-7447-8115-63925231039a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_019e849f-406b-7239-961f-d8b681f73892" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-7f32-9ee3-6261e1734a5c" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_019e849f-406b-7239-961f-d8b681f73892" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/IndebtednessNarrativeDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#IndebtednessNarrativeDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/IndebtednessNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-73aa-adc8-e0a8a338bb89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-73aa-adc8-e0a8a338bb89" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-73aa-adc8-e0a8a338bb89_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-73aa-adc8-e0a8a338bb89" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-73aa-adc8-e0a8a338bb89_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7532-a755-d13346dd9b0a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-73aa-adc8-e0a8a338bb89" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7532-a755-d13346dd9b0a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-733a-ac76-d4e27a3241f3" xlink:href="hqy-20260731.xsd#hqy_A4500SeniorNotesDue2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7532-a755-d13346dd9b0a" xlink:to="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-733a-ac76-d4e27a3241f3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_CreditAgreementMember_019e849f-406b-79e3-b26b-c3ab8a91557d" xlink:href="hqy-20260731.xsd#hqy_CreditAgreementMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7532-a755-d13346dd9b0a" xlink:to="loc_hqy_CreditAgreementMember_019e849f-406b-79e3-b26b-c3ab8a91557d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-7c18-a58d-0aa883a0f16d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-7c18-a58d-0aa883a0f16d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7c18-a58d-0aa883a0f16d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-7c18-a58d-0aa883a0f16d" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7c18-a58d-0aa883a0f16d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7167-b1da-7870284282bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e849f-406b-7c18-a58d-0aa883a0f16d" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7167-b1da-7870284282bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember_019e849f-406b-75b0-9515-1be565ea981a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7167-b1da-7870284282bb" xlink:to="loc_us-gaap_SeniorNotesMember_019e849f-406b-75b0-9515-1be565ea981a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditMember_019e849f-406b-7d3a-9a5c-54881622189a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7167-b1da-7870284282bb" xlink:to="loc_us-gaap_LineOfCreditMember_019e849f-406b-7d3a-9a5c-54881622189a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LetterOfCreditMember_019e849f-406b-792e-8975-15ff0b3377a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LetterOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019e849f-406b-7167-b1da-7870284282bb" xlink:to="loc_us-gaap_LetterOfCreditMember_019e849f-406b-792e-8975-15ff0b3377a5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019e849f-406b-76d9-bc38-5a9ad726f247" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019e849f-406b-76d9-bc38-5a9ad726f247" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-76d9-bc38-5a9ad726f247_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019e849f-406b-76d9-bc38-5a9ad726f247" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-76d9-bc38-5a9ad726f247_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-7369-adcd-995981e64b93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019e849f-406b-76d9-bc38-5a9ad726f247" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-7369-adcd-995981e64b93" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019e849f-406b-7369-a8d4-a1fcb853fda4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodOneMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-7369-adcd-995981e64b93" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019e849f-406b-7369-a8d4-a1fcb853fda4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019e849f-406b-7c55-83c3-ef9f5760d5c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodTwoMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019e849f-406b-7369-adcd-995981e64b93" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019e849f-406b-7c55-83c3-ef9f5760d5c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7ada-ae93-48291c7950ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7ada-ae93-48291c7950ff" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7ada-ae93-48291c7950ff_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7ada-ae93-48291c7950ff" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7ada-ae93-48291c7950ff_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7e61-b470-a8aef07f764e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditFacilityAxis_019e849f-406b-7ada-ae93-48291c7950ff" xlink:to="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7e61-b470-a8aef07f764e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-7bbf-83ce-adf54219e801" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditFacilityDomain_019e849f-406b-7e61-b470-a8aef07f764e" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_019e849f-406b-7bbf-83ce-adf54219e801" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_019e849f-406b-78a2-99ce-aefe8865a5ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_us-gaap_VariableRateAxis_019e849f-406b-78a2-99ce-aefe8865a5ec" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_019e849f-406b-78a2-99ce-aefe8865a5ec_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_019e849f-406b-78a2-99ce-aefe8865a5ec" xlink:to="loc_us-gaap_VariableRateDomain_019e849f-406b-78a2-99ce-aefe8865a5ec_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_019e849f-406b-77c4-99f6-28f1531698bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_019e849f-406b-78a2-99ce-aefe8865a5ec" xlink:to="loc_us-gaap_VariableRateDomain_019e849f-406b-77c4-99f6-28f1531698bc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_019e849f-406b-71b4-b0bd-bef9c4c54c13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredOvernightFinancingRateSofrMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_019e849f-406b-77c4-99f6-28f1531698bc" xlink:to="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_019e849f-406b-71b4-b0bd-bef9c4c54c13" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BaseRateMember_019e849f-406b-7f1c-9e6a-3d95494af7de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BaseRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_019e849f-406b-77c4-99f6-28f1531698bc" xlink:to="loc_us-gaap_BaseRateMember_019e849f-406b-7f1c-9e6a-3d95494af7de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019e849f-406b-7f56-af35-8fd3828e6679" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e849f-406b-70ca-856e-c2cd8e0b470e" xlink:to="loc_srt_RangeAxis_019e849f-406b-7f56-af35-8fd3828e6679" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019e849f-406b-7f56-af35-8fd3828e6679_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019e849f-406b-7f56-af35-8fd3828e6679" xlink:to="loc_srt_RangeMember_019e849f-406b-7f56-af35-8fd3828e6679_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019e849f-406b-74a4-8f54-23c2cc7c67e4" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019e849f-406b-7f56-af35-8fd3828e6679" xlink:to="loc_srt_RangeMember_019e849f-406b-74a4-8f54-23c2cc7c67e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019e849f-406b-74d2-9b3c-9f77eb8f2b4f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019e849f-406b-74a4-8f54-23c2cc7c67e4" xlink:to="loc_srt_MinimumMember_019e849f-406b-74d2-9b3c-9f77eb8f2b4f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019e849f-406b-77ce-91c1-97458751449d" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019e849f-406b-74a4-8f54-23c2cc7c67e4" xlink:to="loc_srt_MaximumMember_019e849f-406b-77ce-91c1-97458751449d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019e849f-406b-7145-bcdf-f0b07c7c3d4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019e849f-406b-7145-bcdf-f0b07c7c3d4b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_019e849f-406b-7d5b-a889-03e912ee7ea3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_019e849f-406b-7d5b-a889-03e912ee7ea3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrent_019e849f-406b-7e0e-ac39-4d1a1ed6b613" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPayableCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_InterestPayableCurrent_019e849f-406b-7e0e-ac39-4d1a1ed6b613" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_019e849f-406b-7cb2-a9a5-c1d1da47f708" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateEffectivePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_019e849f-406b-7cb2-a9a5-c1d1da47f708" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_019e849f-406b-7b7f-aaff-182cb7a56d37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_019e849f-406b-7b7f-aaff-182cb7a56d37" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm_019e849f-406b-7a73-9d0d-06890bbf9590" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentTerm_019e849f-406b-7a73-9d0d-06890bbf9590" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019e849f-406b-778d-9d70-6cc09f14a72f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019e849f-406b-778d-9d70-6cc09f14a72f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_LineOfCreditFacilityMaximumBorrowingCapacityOfFutureCommitments_019e849f-406b-75ff-9578-f3412ce4d6a5" xlink:href="hqy-20260731.xsd#hqy_LineOfCreditFacilityMaximumBorrowingCapacityOfFutureCommitments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_hqy_LineOfCreditFacilityMaximumBorrowingCapacityOfFutureCommitments_019e849f-406b-75ff-9578-f3412ce4d6a5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_DebtInstrumentCovenantMaximumNetLeverageRatio_019e849f-406b-7f49-93ee-b90cd5f06ee3" xlink:href="hqy-20260731.xsd#hqy_DebtInstrumentCovenantMaximumNetLeverageRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_hqy_DebtInstrumentCovenantMaximumNetLeverageRatio_019e849f-406b-7f49-93ee-b90cd5f06ee3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_DebtInstrumentCreditSpreadAdjustmentOnVariableRate_019e849f-406b-77bb-8d0d-cafcdf1cb14e" xlink:href="hqy-20260731.xsd#hqy_DebtInstrumentCreditSpreadAdjustmentOnVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_hqy_DebtInstrumentCreditSpreadAdjustmentOnVariableRate_019e849f-406b-77bb-8d0d-cafcdf1cb14e" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019e849f-406b-7717-8cdf-86b1c4513495" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019e849f-406b-7717-8cdf-86b1c4513495" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_019e849f-406b-7762-b0c6-38e501829727" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_019e849f-406b-7762-b0c6-38e501829727" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_DebtInstrumentCovenantMinimumInterestCoverageRatio_019e849f-406b-7563-9b66-77195b6ebef9" xlink:href="hqy-20260731.xsd#hqy_DebtInstrumentCovenantMinimumInterestCoverageRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e849f-406b-782d-8782-d452bd20c081" xlink:to="loc_hqy_DebtInstrumentCovenantMinimumInterestCoverageRatio_019e849f-406b-7563-9b66-77195b6ebef9" xlink:type="arc" order="12"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/StockbasedcompensationScheduleofStockBasedCompensationDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#StockbasedcompensationScheduleofStockBasedCompensationDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/StockbasedcompensationScheduleofStockBasedCompensationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7370-b571-c6953822caae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7370-b571-c6953822caae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeLocationBalanceAxis_019e849f-406b-76cd-b276-430678ac6170" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfIncomeLocationBalanceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7370-b571-c6953822caae" xlink:to="loc_us-gaap_StatementOfIncomeLocationBalanceAxis_019e849f-406b-76cd-b276-430678ac6170" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_019e849f-406b-73d6-a0cb-1aca68e5fefd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_019e849f-406b-73d6-a0cb-1aca68e5fefd" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/StockbasedcompensationScheduleofStockBasedCompensationDetails_1" xlink:type="simple" xlink:href="hqy-20260731.xsd#StockbasedcompensationScheduleofStockBasedCompensationDetails_1"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/StockbasedcompensationScheduleofStockBasedCompensationDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7370-b571-c6953822caae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7370-b571-c6953822caae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_019e849f-406b-73d6-a0cb-1aca68e5fefd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7f51-89cc-22262f2f8566" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_019e849f-406b-73d6-a0cb-1aca68e5fefd" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/StockbasedcompensationNarrativeDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#StockbasedcompensationNarrativeDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/StockbasedcompensationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-714f-bb59-8f2e82c2c03f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-714f-bb59-8f2e82c2c03f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_019e849f-406b-7e35-b98d-a3f43a7bf1f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-714f-bb59-8f2e82c2c03f" xlink:to="loc_us-gaap_PlanNameAxis_019e849f-406b-7e35-b98d-a3f43a7bf1f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_019e849f-406b-7e35-b98d-a3f43a7bf1f3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PlanNameAxis_019e849f-406b-7e35-b98d-a3f43a7bf1f3" xlink:to="loc_us-gaap_PlanNameDomain_019e849f-406b-7e35-b98d-a3f43a7bf1f3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_019e849f-406b-7bc8-91af-d56202b0beae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PlanNameAxis_019e849f-406b-7e35-b98d-a3f43a7bf1f3" xlink:to="loc_us-gaap_PlanNameDomain_019e849f-406b-7bc8-91af-d56202b0beae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_IncentivePlanMember_019e849f-406b-7a7e-9115-0e95c0d810e5" xlink:href="hqy-20260731.xsd#hqy_IncentivePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_019e849f-406b-7bc8-91af-d56202b0beae" xlink:to="loc_hqy_IncentivePlanMember_019e849f-406b-7a7e-9115-0e95c0d810e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_019e849f-406b-7dd0-abc6-006f455a695a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-714f-bb59-8f2e82c2c03f" xlink:to="loc_us-gaap_AwardTypeAxis_019e849f-406b-7dd0-abc6-006f455a695a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7dd0-abc6-006f455a695a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_019e849f-406b-7dd0-abc6-006f455a695a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7dd0-abc6-006f455a695a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7bc1-8c28-27d4baa8c084" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_019e849f-406b-7dd0-abc6-006f455a695a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7bc1-8c28-27d4baa8c084" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_PerformanceRestrictedStockUnitsSubjectToMarketConditionsMember_019e849f-406b-702b-82ea-2d12a096dd17" xlink:href="hqy-20260731.xsd#hqy_PerformanceRestrictedStockUnitsSubjectToMarketConditionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7bc1-8c28-27d4baa8c084" xlink:to="loc_hqy_PerformanceRestrictedStockUnitsSubjectToMarketConditionsMember_019e849f-406b-702b-82ea-2d12a096dd17" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_PerformanceRestrictedStockUnitsSubjectToCertainFinancialCriteriaMember_019e849f-406b-758b-b58d-86e16c5e2643" xlink:href="hqy-20260731.xsd#hqy_PerformanceRestrictedStockUnitsSubjectToCertainFinancialCriteriaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7bc1-8c28-27d4baa8c084" xlink:to="loc_hqy_PerformanceRestrictedStockUnitsSubjectToCertainFinancialCriteriaMember_019e849f-406b-758b-b58d-86e16c5e2643" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019e849f-406b-7a00-a002-70bc3cf1238f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-714f-bb59-8f2e82c2c03f" xlink:to="loc_srt_RangeAxis_019e849f-406b-7a00-a002-70bc3cf1238f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019e849f-406b-7a00-a002-70bc3cf1238f_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019e849f-406b-7a00-a002-70bc3cf1238f" xlink:to="loc_srt_RangeMember_019e849f-406b-7a00-a002-70bc3cf1238f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019e849f-406b-7bdb-a400-f8fbe5e41726" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019e849f-406b-7a00-a002-70bc3cf1238f" xlink:to="loc_srt_RangeMember_019e849f-406b-7bdb-a400-f8fbe5e41726" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019e849f-406b-7625-9071-f7503fbba919" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019e849f-406b-7bdb-a400-f8fbe5e41726" xlink:to="loc_srt_MinimumMember_019e849f-406b-7625-9071-f7503fbba919" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019e849f-406b-7586-bfb6-72b9a871ffab" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019e849f-406b-7bdb-a400-f8fbe5e41726" xlink:to="loc_srt_MaximumMember_019e849f-406b-7586-bfb6-72b9a871ffab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_019e849f-406b-7c72-a185-812786751357" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_019e849f-406b-7c72-a185-812786751357" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_019e849f-406b-7a6f-84ff-4a456fe453b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_019e849f-406b-7a6f-84ff-4a456fe453b7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue_019e849f-406b-7737-a4d3-61cb1496011f" xlink:href="hqy-20260731.xsd#hqy_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:to="loc_hqy_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue_019e849f-406b-7737-a4d3-61cb1496011f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_019e849f-406b-7163-894e-4d18b1e538c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-798e-90f0-42b6ab93f037" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_019e849f-406b-7163-894e-4d18b1e538c1" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/StockbasedcompensationScheduleofRestrictedStockUnitandPerformanceRestrictedStockUnitActivityDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#StockbasedcompensationScheduleofRestrictedStockUnitandPerformanceRestrictedStockUnitActivityDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/StockbasedcompensationScheduleofRestrictedStockUnitandPerformanceRestrictedStockUnitActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7660-8ca7-a2c0221aa3de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7b40-ae97-efa7ccbf971d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7660-8ca7-a2c0221aa3de" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7b40-ae97-efa7ccbf971d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_019e849f-406b-700c-95c2-d96c50bc3370" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_019e849f-406b-7b40-ae97-efa7ccbf971d" xlink:to="loc_us-gaap_AwardTypeAxis_019e849f-406b-700c-95c2-d96c50bc3370" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-700c-95c2-d96c50bc3370_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_019e849f-406b-700c-95c2-d96c50bc3370" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-700c-95c2-d96c50bc3370_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7a19-beac-a9c8a6ed8d36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_019e849f-406b-700c-95c2-d96c50bc3370" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7a19-beac-a9c8a6ed8d36" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_RestrictedStockUnitsAndPerformanceRestrictedStockUnitsMember_019e849f-406b-74d2-be54-379caa1af018" xlink:href="hqy-20260731.xsd#hqy_RestrictedStockUnitsAndPerformanceRestrictedStockUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019e849f-406b-7a19-beac-a9c8a6ed8d36" xlink:to="loc_hqy_RestrictedStockUnitsAndPerformanceRestrictedStockUnitsMember_019e849f-406b-74d2-be54-379caa1af018" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7660-8ca7-a2c0221aa3de" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_019e849f-406b-708a-b293-0a1658f35765" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_019e849f-406b-708a-b293-0a1658f35765" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_019e849f-406b-72f6-99a3-b74aff924222" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_019e849f-406b-72f6-99a3-b74aff924222" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_019e849f-406b-70e7-9fae-4f22ef5055f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_019e849f-406b-70e7-9fae-4f22ef5055f6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_019e849f-406b-762c-9fb3-c66d61bf2746" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_019e849f-406b-799c-9b0b-9d62385b53af" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_019e849f-406b-762c-9fb3-c66d61bf2746" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_019e849f-406b-77f6-9842-354f1ae1c2d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_019e849f-406b-7660-8ca7-a2c0221aa3de" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_019e849f-406b-79fa-a4eb-84fffa9d109f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_019e849f-406b-79fa-a4eb-84fffa9d109f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_019e849f-406b-708f-bc4c-34208a70d365" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_019e849f-406b-708f-bc4c-34208a70d365" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_019e849f-406b-7530-9998-712d53f50433" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_019e849f-406b-7530-9998-712d53f50433" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_019e849f-406b-73e9-8454-126f0ba0afc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_019e849f-406b-7907-a73a-079b6d8e5815" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_019e849f-406b-73e9-8454-126f0ba0afc9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_019e849f-406b-79fe-8599-6d743975ea60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/StockholdersequityScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#StockholdersequityScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/StockholdersequityScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e849f-406b-72fe-9a4e-5e36b211503e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e849f-406b-72fe-9a4e-5e36b211503e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-76bf-a857-aed215eb2113" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e849f-406b-72fe-9a4e-5e36b211503e" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-76bf-a857-aed215eb2113" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e849f-406b-76bf-a857-aed215eb2113_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-76bf-a857-aed215eb2113" xlink:to="loc_us-gaap_EquityComponentDomain_019e849f-406b-76bf-a857-aed215eb2113_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e849f-406b-7565-8700-cd436276d94d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e849f-406b-76bf-a857-aed215eb2113" xlink:to="loc_us-gaap_EquityComponentDomain_019e849f-406b-7565-8700-cd436276d94d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-7bdd-b0ef-bd360888a4bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e849f-406b-7565-8700-cd436276d94d" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-7bdd-b0ef-bd360888a4bc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019e849f-406b-7e9c-95a7-cede629a1603" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-7bdd-b0ef-bd360888a4bc" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019e849f-406b-7e9c-95a7-cede629a1603" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_AccumulatedGainLossNetCashFlowHedgeIncomeTaxExpenseBenefitParentMember_019e849f-406b-7c88-aa96-019604cf96a2" xlink:href="hqy-20260731.xsd#hqy_AccumulatedGainLossNetCashFlowHedgeIncomeTaxExpenseBenefitParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e849f-406b-7bdd-b0ef-bd360888a4bc" xlink:to="loc_hqy_AccumulatedGainLossNetCashFlowHedgeIncomeTaxExpenseBenefitParentMember_019e849f-406b-7c88-aa96-019604cf96a2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e849f-406b-7bd1-929e-90dfb36aa499" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_StockholdersEquity_019e849f-406b-7bd1-929e-90dfb36aa499" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019e849f-406b-7817-9b2d-62cb1d64b7da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019e849f-406b-7817-9b2d-62cb1d64b7da" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019e849f-406b-7774-8579-4bc0fc3161ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_019e849f-406b-7774-8579-4bc0fc3161ed" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019e849f-406b-7db9-9a61-d00f26df306c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019e849f-406b-7db9-9a61-d00f26df306c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019e849f-406b-7b84-a77e-f18a3a4a875c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019e849f-406b-7b84-a77e-f18a3a4a875c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019e849f-406b-7148-a510-f8001dcfadaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019e849f-406b-7148-a510-f8001dcfadaa" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019e849f-406b-7489-94fd-b2b8e1153796" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019e849f-406b-7489-94fd-b2b8e1153796" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e849f-406b-7f91-b760-2f1b238a1fdb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e849f-406b-7f91-b760-2f1b238a1fdb" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e849f-406b-728a-9c2e-2fef8b71e4eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e849f-406b-728a-9c2e-2fef8b71e4eb" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e849f-406b-75e1-a0fa-67cc3a53e27c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e849f-406b-765d-b509-7e125e9d5430" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e849f-406b-75e1-a0fa-67cc3a53e27c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e849f-406b-7307-910c-8d31b5847653" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesNarrativeDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7b05-a313-b59f25d34219" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-71d4-b28f-913639f46ba1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7b05-a313-b59f25d34219" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-71d4-b28f-913639f46ba1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-733b-904e-325c75e28f1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-71d4-b28f-913639f46ba1" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-733b-904e-325c75e28f1a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-733b-904e-325c75e28f1a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-733b-904e-325c75e28f1a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-733b-904e-325c75e28f1a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-745f-b679-928de7bef42a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-733b-904e-325c75e28f1a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-745f-b679-928de7bef42a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7551-971c-4f77df05eede" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-745f-b679-928de7bef42a" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7551-971c-4f77df05eede" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_DerivativeWeightedAverageInterestRatePercent_019e849f-406b-7efe-9758-75b44b981352" xlink:href="hqy-20260731.xsd#hqy_DerivativeWeightedAverageInterestRatePercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7b05-a313-b59f25d34219" xlink:to="loc_hqy_DerivativeWeightedAverageInterestRatePercent_019e849f-406b-7efe-9758-75b44b981352" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019e849f-406b-7f48-8744-3f680728356a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7b05-a313-b59f25d34219" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019e849f-406b-7f48-8744-3f680728356a" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofNotionalAmountsofDerivativeContractsDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesScheduleofNotionalAmountsofDerivativeContractsDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofNotionalAmountsofDerivativeContractsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7304-83ed-4e4bbc344553" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-718a-af97-ff44ea9dd817" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7304-83ed-4e4bbc344553" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-718a-af97-ff44ea9dd817" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7aef-88f8-000ad3e5aba2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-718a-af97-ff44ea9dd817" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7aef-88f8-000ad3e5aba2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7aef-88f8-000ad3e5aba2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7aef-88f8-000ad3e5aba2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7aef-88f8-000ad3e5aba2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73f2-8086-0568229a2ae3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7aef-88f8-000ad3e5aba2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73f2-8086-0568229a2ae3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-79ec-87ea-45ff1850a81c" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73f2-8086-0568229a2ae3" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-79ec-87ea-45ff1850a81c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNumberOfInstrumentsHeld_019e849f-406b-715b-babf-49400e76761a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNumberOfInstrumentsHeld"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7304-83ed-4e4bbc344553" xlink:to="loc_us-gaap_DerivativeNumberOfInstrumentsHeld_019e849f-406b-715b-babf-49400e76761a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019e849f-406b-70d1-a9de-70121cb9ec85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7304-83ed-4e4bbc344553" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019e849f-406b-70d1-a9de-70121cb9ec85" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionLocationBalanceAxis_019e849f-406b-7d15-82b2-ab4cfccfa162" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionLocationBalanceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:to="loc_us-gaap_StatementOfFinancialPositionLocationBalanceAxis_019e849f-406b-7d15-82b2-ab4cfccfa162" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7151-a654-0991087d3312_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7151-a654-0991087d3312_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7f61-85c1-20468ff264be" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7f61-85c1-20468ff264be" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019e849f-406b-79ea-8733-ddf534818e62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019e849f-406b-79ea-8733-ddf534818e62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019e849f-406b-7850-bd98-675e04d48dae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019e849f-406b-7850-bd98-675e04d48dae" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails_1" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails_1"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofFairValueofDerivativeContractsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7247-bf5b-9e075cc03c93" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7151-a654-0991087d3312_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7151-a654-0991087d3312_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7151-a654-0991087d3312" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7f61-85c1-20468ff264be" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7da2-8f7f-d58e2c062af7" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7f61-85c1-20468ff264be" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019e849f-406b-79ea-8733-ddf534818e62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019e849f-406b-79ea-8733-ddf534818e62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019e849f-406b-7850-bd98-675e04d48dae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-72c6-bb0b-3d465a5d6ef3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019e849f-406b-7850-bd98-675e04d48dae" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofEffectofDerivativesontheCondensedConsolidatedFinancialStatementsDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesScheduleofEffectofDerivativesontheCondensedConsolidatedFinancialStatementsDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofEffectofDerivativesontheCondensedConsolidatedFinancialStatementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7c81-986b-2e7713521b6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7eda-8f1b-0dcdefe1a4b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7c81-986b-2e7713521b6a" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7eda-8f1b-0dcdefe1a4b7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7a76-b4e2-0c06fc7c645a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7eda-8f1b-0dcdefe1a4b7" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7a76-b4e2-0c06fc7c645a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7a76-b4e2-0c06fc7c645a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7a76-b4e2-0c06fc7c645a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7a76-b4e2-0c06fc7c645a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73ff-ac53-f1e27f13267d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-7a76-b4e2-0c06fc7c645a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73ff-ac53-f1e27f13267d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7d13-bd4b-4be0b27caf5e" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-73ff-ac53-f1e27f13267d" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-7d13-bd4b-4be0b27caf5e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019e849f-406b-7bba-af23-16beb7d33ec3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-7c81-986b-2e7713521b6a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019e849f-406b-7bba-af23-16beb7d33ec3" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofDerivativeAmountsReclassificationoutofAccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#DerivativefinancialinstrumentsandhedgingactivitiesScheduleofDerivativeAmountsReclassificationoutofAccumulatedOtherComprehensiveIncomeDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/DerivativefinancialinstrumentsandhedgingactivitiesScheduleofDerivativeAmountsReclassificationoutofAccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-753c-a830-9d020afaaa5f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7585-8836-ac63e636e5cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-753c-a830-9d020afaaa5f" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7585-8836-ac63e636e5cc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-769e-9a94-6b801f5184b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_019e849f-406b-7585-8836-ac63e636e5cc" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-769e-9a94-6b801f5184b3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-769e-9a94-6b801f5184b3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-769e-9a94-6b801f5184b3" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-769e-9a94-6b801f5184b3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7d9f-92cf-e5401b51e5e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e849f-406b-769e-9a94-6b801f5184b3" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7d9f-92cf-e5401b51e5e7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-79bc-a47a-fa01dea407ba" xlink:href="hqy-20260731.xsd#hqy_TreasuryBondForwardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e849f-406b-7d9f-92cf-e5401b51e5e7" xlink:to="loc_hqy_TreasuryBondForwardsMember_019e849f-406b-79bc-a47a-fa01dea407ba" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019e849f-406b-737d-a6af-737c76d1a5bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-753c-a830-9d020afaaa5f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019e849f-406b-737d-a6af-737c76d1a5bf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019e849f-406b-77b6-9b9d-2f6c4bd56005" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-753c-a830-9d020afaaa5f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019e849f-406b-77b6-9b9d-2f6c4bd56005" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019e849f-406b-7308-a80a-1baa64ef392c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_019e849f-406b-753c-a830-9d020afaaa5f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_019e849f-406b-7308-a80a-1baa64ef392c" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://healthequity.com/role/FairvalueDetails" xlink:type="simple" xlink:href="hqy-20260731.xsd#FairvalueDetails"/>
  <link:definitionLink xlink:role="http://healthequity.com/role/FairvalueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019e849f-406b-7256-a6f8-b5a7a0e1bf5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019e849f-406b-7f4c-b135-b84accd61674" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019e849f-406b-7256-a6f8-b5a7a0e1bf5a" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019e849f-406b-7f4c-b135-b84accd61674" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7a9e-ac7a-0d8192ef3ac4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019e849f-406b-7f4c-b135-b84accd61674" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7a9e-ac7a-0d8192ef3ac4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7a9e-ac7a-0d8192ef3ac4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7a9e-ac7a-0d8192ef3ac4" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-7a9e-ac7a-0d8192ef3ac4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-79e2-bbeb-ec97ad52ebff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e849f-406b-7a9e-ac7a-0d8192ef3ac4" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-79e2-bbeb-ec97ad52ebff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-7ded-a886-05ec4c0f97ea" xlink:href="hqy-20260731.xsd#hqy_A4500SeniorNotesDue2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e849f-406b-79e2-bbeb-ec97ad52ebff" xlink:to="loc_hqy_A4500SeniorNotesDue2029Member_019e849f-406b-7ded-a886-05ec4c0f97ea" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e849f-406b-7de9-965c-131ac4c05b23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019e849f-406b-7f4c-b135-b84accd61674" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e849f-406b-7de9-965c-131ac4c05b23" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e849f-406b-7de9-965c-131ac4c05b23_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e849f-406b-7de9-965c-131ac4c05b23" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e849f-406b-7de9-965c-131ac4c05b23_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e849f-406b-7cd7-a5c5-d8fc2c899ee1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e849f-406b-7de9-965c-131ac4c05b23" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e849f-406b-7cd7-a5c5-d8fc2c899ee1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019e849f-406b-72f4-8aaa-10760f28b35a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e849f-406b-7cd7-a5c5-d8fc2c899ee1" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019e849f-406b-72f4-8aaa-10760f28b35a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_019e849f-406b-7633-991d-c6895232306f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019e849f-406b-7256-a6f8-b5a7a0e1bf5a" xlink:to="loc_us-gaap_LongTermDebtFairValue_019e849f-406b-7633-991d-c6895232306f" xlink:type="arc" order="0"/>
  </link:definitionLink>
</link:linkbase>
