How can we help?
Popular searches
back to results
Related Questions
Need help?

If you don't find your answer here, get in touch with our Australia-based customer care specialists.

133 464

Savings Maximiser

  1. Home
  2. Personal Savings
  3. Savings Maximiser

Savings Maximiser

Withdraw however much you want, whenever you want, penalty-free

Sign up now

Earn up to

% p.a.

Variable rate

For customers who also have an Orange Everyday bank account and deposit their pay of $1,000 or more per month and make 5+ card purchases each month. Available on one account for balances up to $100,000.

Savings Maximiser

High variable interest rate. And no fees or penalties on withdrawals.

Features

Why open a Savings Maximiser?

  • Great ongoing rate, every month

    Eligible customers could get a great variable rate of 2.80% p.a. every month. No welcome teaser rates. Available on one account for balances up to $100,000

  • Save with Everyday Round Up

    Beef up your Savings Maximiser balance by switching on Everyday Round Up. Available now with the Orange Everyday account

  • No penalty

    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

  • No ING fees

    With zero ING fees, all your money gets put to good use. The whole lot.

  • Instant access

    Savings Maximiser customers with an Orange Everyday bank account can transfer cash online, over the phone and via mobile for instant access.

  • Savings guaranteed

    Combined savings balances up to $250,000 per customer are guaranteed by the Australian Government.

Important information
Open your Savings Maximiser in minutes.
Open now
Rates and fees

No fees, great rate every month

With competitive ongoing rates and no penalties on withdrawals, all your money goes towards reaching your savings goals

Interest Rates

Highest variable rate

For customers who also have an Orange Everyday bank account and deposit their pay of $1,000 or more per month and make 5+ card purchases each month. Available on one account for balances up to $100,000 with the additional variable rate applied the month following the deposit.


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

The standard variable rate is 1.15% p.a.

Standard variable rate

variable rate

Compare all savings accounts
Open your Savings Maximiser in minutes.
Open now
Tools and calculators

Figure out what you need

In planning mode? Use these tools and calculators to see how you can save.

Tips, hints and guides

Forms

Calculators

Tips, hints and guides

Goal setting

Planning and budgeting

Will you stick to your savings goal? A few tips to stay on track

Four tips for starting an emergency savings fund

 View all

Forms

Deposit salary form

Savings Maximiser terms and conditions booklet

 View all

Calculators

Regular savings calculator

Savings goal calculator

Budget planner

View all
FAQs

Got a question about Savings Maximiser?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Savings Maximiser FAQs.

The comparison in the video is designed to show the impact on your savings after a welcome teaser rate ends and the interest rate falls to a lower amount when investing $100,000 for 12 months. Different financial institutions may have welcome teaser periods of different lengths (if any at all) and the fall in interest when the welcome teaser period ends may be more pronounced with certain financial institutions. These differences can alter the comparison. Interest rates (and the eligibility criteria and conditions that apply to each welcome teaser rate) can also change over time which can alter the comparison. Current interest rates are not necessarily indicative of future interest rates.

Open your Savings Maximiser in minutes.
Open now
How to get started

Put your money to work

1. Sign up now

Open a Savings Maximiser online, or over the phone 24/7. Make a deposit and start earning interest.

Open now

2. Move your money

Use the mobile app, online or phone banking whenever you want. Simply transfer money in and out of your linked account.

3. Set up a savings plan

Give your savings a boost by setting up automatic deposits. Your salary can go straight in, too.

Savings plans

To open a Savings Maximiser, you must be:

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

You'll need to give us:

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)

Ready? Sign up for a Savings Maximiser now.
Open now