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Savings interest rates

Do your thing with our great range of savings products with no fees! Check out our rates below to learn more.

Interest Rates

Highest variable rate

For customers who also have an Orange Everyday bank account and do these things each month:
1. Deposit $1,000+ (from an external source)
2. Make 5+ card purchases (settled, not pending) and
3. Grow their nominated Savings Maximiser balance (excluding interest).
Available on one account for balances up to $100,000 with the additional variable rate applied the month after eligibility criteria has been met.

variable rate (incl. % p.a. additional variable rate)

Standard variable rate

Personal Term Deposits

Competitive interest rates, fixed for the term. Minimum opening deposit of $10,000.

Interest Rates

3 months (90 days)

4 months (120 days)

6 months (180 days)

7 months (210 days)

9 months (270 days)

11 months (330 days)

1 year (365 days)

2 year (730 days)

Interest Rates

Kick starter offer - First 4 months

Available to new to ING savings customers on accounts opened, these rates include the variable kick starter rate of % p.a., which applies on top of the ongoing variable rate on balances of up to $500,000 for 4 months from the date of account opening (that is, the date an account number is issued). For balances over $500,000 the ongoing variable interest rate will apply.

Accounts with balances $150,000 - $500,000


Accounts with balances $50,000 - $149,999.99


Accounts with balances $0 - $49,999.99


Ongoing variable interest rate

Accounts with balances $150,000 - $5 million


Accounts with balances $50,000 - $149,999.99


Accounts with balances $0 - $49,999.99

The rates for each balance tier apply to the entire account balance, up to the limits stated.
The combined total deposits in all your Savings Accelerator account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).