Make bank with Savings Maximiser Earn up to % p.a.

Earn up to

% p.a.

Variable rate

With competitive ongoing rates, all your money goes towards your savings goals

On up to $100,000 when you also hold an Orange Everyday and each month meet the eligibility criteria and grow your nominated Savings Maximiser Balance (excluding interest). Available on one account. Find out more

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Investment scam alert

ING does not offer individual bond products, and is unable to provide any information on bond products. We recommend speaking to a financial professional when it comes to investing in any type of asset or security.

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Financial Support

Need Financial Support with your Home Loan, Personal Loan or Credit Card?

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KYC

Find out more about the Know Your Customer process.

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See how ING can help you

Learn more in this quick and easy guide to banking with ING.

Easy access to everyday banking with great benefits.

Don't overcomplicate your everyday banking. With Orange Everyday and Savings Maximiser the choice is yours on how you want to pay. Here's how ING could help.

EVERYDAY BANKING

Orange Everyday

You could get 1% cashback on eligible utility bills. T&Cs apply.

$0 ING international transaction fees when you shop online and overseas.

Save on fees with up to 5 rebated ATM withdrawal fees a month (excludes international ATM operator fees).

Available when customers deposit $1,000+ from an external source to any personal ING account in their name (excluding Living Super and Orange One) and make 5 or more settled (not pending) eligible ING card purchases each month.

When the criteria is met in a calendar month, the benefits will apply in the next calendar month.

Learn more about Orange Everyday

SAVINGS ACCOUNT

Savings Maximiser

For each month that you:
- deposit $1,000+ from an external source,
- make 5+ card purchases that are settled (not pending) and
- grow your nominated Savings Maximiser balance (excluding interest earned for that month)
you get these benefits the following calendar month:

You could earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday)

Learn more about Savings Maximiser

See all savings products

Life is full of surprises. An ING Personal Loan isn't.

ING unsecured personal loans available from 6.89% p.a. to 16.89% p.a. (comparison rate from 7.10% p.a. to 17.22% p.a.).

PERSONAL LOANS

ING Personal Loan

Get your funds sooner when you have an Orange Everyday.
We will pop your funds into your account automatically once you accept the details of your loan.

Learn more about ING Personal Loan

EVERYDAY BANKING

Orange Everyday

Available when customers deposit $1,000+ per month (such as their pay) and make 5+ card purchases that are settled (not pending) each month to get these benefits the following calendar month:

You could get 1% cashback on eligible utility bills. T&Cs apply.

'$0' International transaction fees when you shop online and overseas.

Save on fees with up to 5 eligible ATM withdrawal fees rebated each month in Australia and overseas.

Learn more about Orange Everyday

For whatever is on the cards

Choose a value packed low rate card with no annual fee or our platinum card that gives you cash back on your spend.

CREDIT CARDS

Orange One Low Rate

Choose a value packed card with no annual fee and a low fixed interest rate from Australia's most recommended bank.

No annual fee AND a low % p.a. variable rate on purchases

No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month

Mobile payments made easy with Apple Pay and Google Pay

Credit limits available from $1,000 to $30,000

Learn more about our Credit Cards

Compare all our Credit Cards

Choose to Pay off your purchases and set the terms of your choice using instalment plans and get an even lower interest rate of % p.a.

Set up personalised notifications to help stay on top of things

Set up automatic repayments from your eligible ING account

Add an additional card holder for just $10 per card

We're here to make your next move easier

Make the process of buying a house or re-financing simpler with a straightforward, easy-to-understand home loan. Then save yourself the insurance run-around and money by keeping everything under one roof. Here's how ING can help.

HOME LOAN

The best place for your home

From first timers to switchers, we can help you achieve your property goals.

Your own home loan specialist will be there to help you, every step of the way.

Online calculators that help you estimate your borrowing power, repayments and offset savings.

Low variable and fixed interest rates with split loan options.

Compare our home loans

INSURANCE

HOME AND CONTENTS INSURANCE

Protect what you love with Combined Home and Contents Insurance. Save 30% on your first year's base premium online.

Choose the cover that's right for you - home, contents, home and contents or optional covers.

Relax with new for old replacement – cover for fire, storm, theft and a $20 million legal liability cover. See the PDS for full details.

Make claims 24/7 online or over the phone.

Learn more about Home and Contents Insurance

Make your money work harder.

Save for the future and grow your wealth with options that could deliver long-term benefits. Here's how ING could help.

SUPERANNUATION

Living Super

Save more over the long term for your retirement lifestyle with our simple super solution.

Learn more about Living Super

SAVINGS ACCOUNT

Savings Maximiser

You could earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday)

Learn more about Savings Maximiser

See all savings products

Specialists in business deposits and commercial lending.

Competitive rates on term deposits, high variable interest savings, and commercial property loans.

Business Savings

Business Optimiser

High variable interest business savings account with 24/7 access.

Learn more about Business Optimiser

See all Business savings account

Commercial Loans

Dedicated support

If you require more than $500,000 for a commercial property, our specialist team can assist you with experience gained over 25 years in the real estate market. Funding options include:

Variable or Fixed term loans

Financing traditional investments in real estate, such as commercial, industrial, retail or multi-unit residential property

Development and construction projects

Learn more about Commercial Loans

Bank & Save

Easy access to everyday banking with great benefits. Savings accounts with competitive interest rates, no ING fees and rewards for saving with us.

Orange Everyday

Savings Maximiser

See all savings accounts

Business Optimiser

More business products

Credit cards

Credit cards with practical features like autopay and instalments to help you stay on top of your finances.

Orange One Low Rate

Orange One Rewards Platinum

All credit cards

Personal Loans

ING Personal Loan with a low fixed interest rate gives you certainty in your repayments - plus no early repayment fees, and no ongoing monthly or annual fees.

ING Personal Loan

Home loans

Home Loans

Simple to understand home loans with competitive rates, fee options and special offers.

Orange Advantage

Fixed Rate Loans

See all home loans

Commercial Loans

Priority Commercial Loans

Commercial Property Finance

Insurance

Help look after yourself with:

ING Health Insurance

Protect what you love and save on your first year's base premium when you purchase these policies online:

30% off combined ING Home and Contents Insurance

15% off ING Contents Insurance

15% off ING Home Insurance

15% off ING Car Insurance

15% off ING Pet Insurance

15% off ING Travel Insurance

15% off ING Motorcycle Insurance

Terms and conditions apply - see disclaimer below.

Superannuation

Great value super and retirement solutions for all life stages.

Living Super

SMSF Cash

SMSF Term Deposits

Find out more

Are you struggling financially?

If times are unexpectedly tight, you may qualify for temporary relief. We'll do what we can to help.

Financial support

Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

Accessible banking with ING

Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association.

Banking Code of Practice

Find out more

Financial support

If you are experiencing financial difficulty or difficult personal circumstances, find out how we can help.

Find out more

Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

Find out more

Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association.

Find out more

Important Information

Information and interest rates are current as at the date of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Canstar Bank of the Year 2020 - 2023: Canstar has awarded ING Bank of the Year 2023 for the fourth year in a row, recognising the outstanding value ING offers across all our products and services.

Orange One Rewards Platinum 1% cashback

Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Orange Everyday Account (i.e. not been suspended or closed), you can earn 1% cashback up to a maximum cashback entitlement of $30 per month per Account when you make eligible purchases^ on your Orange One Rewards Platinum Credit Card. The cashback entitlement will be calculated monthly and will be paid to your linked ING Orange Everyday Account one calendar day after the date you are required to make your minimum monthly credit card repayment. The cashback does not reduce your minimum monthly credit card repayment obligations.

^Eligible purchases include card purchases made in store or online, EFTPOS purchases, payWave and Apple Pay transactions made with Orange One Rewards Platinum Visa card, but excludes:

- Cash transactions (including cash withdrawals from an ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Orange One Rewards Platinum Account.
- Amounts re-credited or refunded. Any purchases refunded will be removed from the calculation for the cashback;
- Any transactions made which result in spending that exceeds the credit limit in any one month; and
- BPay transactions.

Subject to the Orange One Rewards Platinum Cashback Terms and Conditions, ING may change or cancel these benefits at any time.
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, exclusions, limits and applicable sub-limits apply. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

Home loans

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464. All features are not available for every type of loan. If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. There is no offset facility available on a fixed rate loan. The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account. With an Orange Advantage home loan, a non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement fees and charges located here for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING recommends you seek independent financial or taxation advice where appropriate.

Personal loans

The comparison rate for the ING Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Orange Everyday

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

• deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
• also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.

Each month that you’re eligible for the Orange Everyday Benefits, you'll receive the following on your Orange Everyday accounts:

• 1% cashback on eligible utility bill payments (up to $100 per financial year).
• Unlimited rebates on the ING International Transaction Fee; and
• Rebates on ATM fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

An eligible utility bill payment is a payment made by BPAY, direct debit (BSB and account number), or PayTo (when available) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

For full terms and conditions, see the Orange Everyday Terms and Conditions, the Everyday Banking Fees & Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list at ing.com.au.

Orange Everyday Benefits may be changed or withdrawn at any time at ING's sole discretion.

Orange Everyday Youth

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria. Orange Everyday Youth accounts will receive access to the Orange Everyday benefits without having to meet this monthly criteria.

Each month that you’re eligible for the Orange Everyday Benefits, you'll receive the following on your Orange Everyday accounts:

Orange Everyday Benefits may be changed or withdrawn at any time at ING's sole discretion.

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

• deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One),
• also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions), and
• ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or the ING mobile app. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate or the additional variable rate offer at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.

Before making any decision in relation to a Savings Maximiser or Orange Everyday, you should read the Savings Maximiser Terms and Conditions booklet and the Orange Everyday Terms and Conditions booklet and Everyday Banking Fees & Limits Schedule.

Car, Home and Contents, Motorcycle, Travel and Pet Insurance

ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) is issued by Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer (Insurer). Home & Contents, Car, Motorcycle and Travel are distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised Representative 1247634 of AGS. Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of AGIC. Pet Insurance is distributed by AGIC and ING Bank (Australia) Limited ABN 24 000 893 292 (IBAL) as Authorised Representative 1247634 of AGIC. ING is a business name of ING Bank (Australia) Limited. An ING Insurance policy does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or any of its related bodies corporate. ING will receive a commission from either AGIC or AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

ING Insurance is subject to AGIC's underwriting criteria and ING's Customer Eligibility and Name Screening Assessment. ING Home & Contents Insurance is not available in NT, North QLD or Northern WA. For Car Insurance, vehicle details are checked against information available on Red Book. For Motorcycle Insurance, vehicle details are checked against information available on Glass' Guide . Pet Insurance is not available for dogs and cats 8 weeks old and under or 9 years old and over at the time of application.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the Product Disclosure Statement, Target Market Determination, Financial Services Guide, Key Fact Sheets (Home and Contents Insurance Only), Premium Excess & Discount Guideline (Car Insurance Only), Roadside Assistance Terms and Conditions (service provided by AGS for Car Insurance Only) and the ING Customer Eligibility and Name-Screening document available at ing.com.au, and consider if an ING Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the Insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the Insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. We reserve the right to change any of the discount offers at any time.

- Online discounts below apply to the first year's premium paid for a new ING Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance.

- ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only Insurance policies.

- ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies.

- ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies.

- ING Travel Insurance: 15% discount on Annual Multi-Trip, Comprehensive, Essential, Last Minute and Domestic Travel Insurance policies.

- ING Pet Insurance: 15% discount on a Pet Insurance policy.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. The Apple Pay Terms and Conditions for ING customers are available to consider when setting up Apple Pay on your eligible device.

32,000 ATMs according to Australian Payment Networks transaction statistics on ATM Terminals June 2017.

ING is Australia's most recommended bank according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805) when compared to customers of 20 other banks operating in Australia. It is also Australia's fifth largest main financial institution (MFI) with 6% of market share according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805). MFI is defined as the bank that the consumer says is their main financial institution.

Source: Galaxy research (January 2018) commissioned for ING suggests Aussies who purchased something from international online retailers in 2017 have collectively paid as much as $166M in bankcard transaction fees (n=1,001).

ING Bank Australia Limited ABN 24 000 893 292.

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Life is full of surprises. An ING Personal Loan isn't.