Get ahead or stay that way with an ING savings account.
High interest tiered savings account with no monthly requirements, built to keep things simple while you save.
High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.
High interest rate guaranteed for the term. You choose the timeframe.
Unsecured personal loan with a low fixed rate and no early repayment fees.
Hit the road sooner
Make your renovation dream a reality
Plan your perfect day
Tick off your bucket list destinations
Show your bills who's boss
Home loans for buyers, investors and borrowers looking for a better deal.
Low variable interest rate home loan with no ongoing monthly or annual fees.
Includes a 100% interest offset when linked to our Orange Everyday bank account.
Fixed interest rate home loans for terms of one to five years.
A low 5-year fixed rate with no upfront fees or break fees.
Save 15% on your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.
Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.
Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.
15% off
ING Car Insurance
On your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.
30% off ING Home &
Contents Insurance
On your first year's premium when you purchase a combined policy online. T&Cs apply - see disclaimer below.
15% off ING
Motorcycle Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
15% off
ING Pet Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Straightforward banking for your business.
Variable interest business savings account with 24/7 access.
Fixed interest rate for business savings. You choose the timeframe.
Competitive interest rates for a fixed period, that's tailored to your cash flow needs.
The Medicare Levy Surcharge (MLS) is a tax applied to people who earn above $105,000 as a single and $210,000 as a single parent, couple or family and don't have an appropriate level of Hospital cover.
The MLS is designed to reduce the strain on the public system by encouraging people to go to private hospitals instead.
The simple answer is yes, most Australian taxpayers are charged the Medicare Levy. This is our contribution to supporting the public healthcare system.
However, the Medicare Levy Surcharge as the name suggests, is an additional tax of 1 - 1.5% which is applied to people over the income threshold.
The Medicare Levy Surcharge starts at 1% and increases up to 1.5% depending on your annual income. Without appropriate Hospital cover, this could result in up to $1050 or more in extra tax.
The income thresholds and surcharges that apply for 1 July 2026 to 30 June 2027 are:
Singles
Families
All ages
The income thresholds and rebates that apply for 1 July 2026 to 31 March 2027 are:
Singles
Families
< age 65
Age 65-69
Age 70+
Source: Australian Tax Office. These thresholds apply for the 2026/2027 financial year. For families, and single parent families the threshold increases by $1,500 for each dependant child after the first. There are specific rules for calculating income for Medicare Levy Surcharge purposes. For more information visit the Australian Tax Office.
If you are currently or are likely to pay the MLS, join any ING Health Insurance Hospital cover before 1 July and maintain it for the full financial year to avoid paying the MLS.
The Australian Tax Office has specific rules regarding who is covered under the Medicare Levy Surcharge and how to define your income for Medicare Levy Surcharge purposes. For information get in touch with your accountant, financial planner or visit the Australian Tax Office.
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