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Savings interest rates

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 from 18 March 2024, These rates include the variable kick starter rate of 0.50% 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).