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133 464Get ahead or stay that way with an ING savings account.
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.
Tiered savings account with higher variable interest rates for balances starting at $50,000.
Straightforward banking for your business.
High variable interest business savings account with 24/7 access.
High 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.
Home loans for buyers, investors and borrowers looking for a better deal.
Includes a 100% interest offset when linked to our Orange Everyday bank account.
Low variable interest rate home loan with no ongoing monthly or annual fees.
Fixed interest rate home loans for terms of one to five years.
With competitive ongoing rates, all your money
goes towards your savings goals.
Earn up to
% p.a.
Variable rate
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
Savings Maximiser
With competitive ongoing rates, all your money goes towards your savings goals.
Earn up to % p.a.
Variable rate
On balances up to $100,000 when you also hold an Orange Everyday and do these things each month: make the eligible $1,000+ deposit, 5+ card purchases and grow your nominated Savings Maximiser balance (excluding interest). Available on one account. Find out more
Beef up your Savings Maximiser balance by switching on Everyday Round Up. Available now with the Orange Everyday account
Eligible customers could get a great variable rate of % p.a. every month. No welcome teaser rates. Available on one account for balances up to $100,000
With zero ING fees, all your money gets put to good use. The whole lot.
Savings Maximiser customers with an Orange Everyday bank account can transfer cash online, over the phone and via mobile for instant access.
Combined savings balances up to $250,000 per customer are guaranteed by the Australian Government.
By taking out Savings Maximiser and Orange Everyday accounts, you could tap into many benefits.
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)
Available when customers deposit $1,000+ from an external source to any personal ING account in their name (excluding Living Super, Personal Loans and Orange One), make 5 or more settled (not pending) eligible ING card purchases and grow their nominated Savings Maximiser balance (excluding interest).
When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000.
Open Savings MaximiserYou 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 in Australia and overseas.
Available when customers deposit $1,000+ from an external source to any personal ING account in their name (excluding Living Super, Personal Loans 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
Look for a great deal on a home loan that ticks all the right boxes for you.
Here's how you could save on your home loan with ING:
Competitive variable and fixed interest rates across all loans
Interest rate discounts available on some loans when borrowing $250,000 or more (conditions apply)
The Orange Advantage 100% offset facility could help reduce the interest you pay
Low fee options to help you save even more
Use any ATM in Australia for free when you have both an Orange Everyday bank account and any ING home loan
Beef up your Savings Maximiser balance by switching on Everyday Round Up. Available now with the Orange Everyday account
Eligible customers could get a great variable rate of 2.20% p.a. every month. No welcome teaser rates. Available on one account for balances up to $100,000
You can make a withdrawal for as little or as much as you like and have the confidence that your interest rate won’t change
With zero ING fees, all your money gets put to good use. The whole lot.
Savings Maximiser customers with an Orange Everyday bank account can transfer cash online, over the phone and via mobile for instant access.
Combined savings balances up to $250,000 per customer are guaranteed by the Australian Government.
With competitive ongoing rates, all your money goes towards reaching your savings goals
ING's highest variable rate
For customers who also have an Orange Everyday bank account and do these things each month:
1. Deposit at least $1,000 from an external source to any personal ING account in their name (excluding Living Super, Personal Loans and Orange One)
2. Make 5 or more settled (not pending) eligible ING card purchases
3. Grow their nominated Savings Maximiser balance (excluding interest).
When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000.
(incl. % p.a. additional variable rate)
The standard variable rate is % p.a.
Standard variable rate
variable rate
In planning mode? Use these tools and calculators to see how you can save.
Chances are, you'll find the answer in our FAQs.
Here are some of the more common questions we get asked:
Meet the savers - little and often
Open a Savings Maximiser online, or over the phone 24/7. Make a deposit and start earning interest.
Use the mobile app, online or phone banking whenever you want. Simply transfer money in and out of your linked account.
Give your savings a boost by setting up automatic deposits. Your salary can go straight in, too.
An account holder using the product for personal use (if it's for your business, see our Business Optimiser account)
An Australian resident for taxation purposes
Aged 13 years or over
An Australian residential address and telephone number
Linked bank account details to link to your Savings Maximiser account
A Tax File Number or exemption code (otherwise tax is deducted at the highest marginal rate)
An existing Client Number (if you're already with ING)
Savings Maximiser
Information and interest rates are current as at the date of publication and are subject to change.
The additional variable rate currently % p.a. (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 bank account 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)
- ensure that the balance of your nominated Savings Maximiser account at the end of the month (excluding interest) is higher than it was at the end of the previous month.
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 by calling us on 133 464. 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 at any time. The additional variable rate is not payable in conjunction with any other promotional rate.
^Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.
When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.
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