ING BANK (Australia) Ltd
Every product ING BANK (Australia) Ltd publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 3 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 229823, held by ING BANK (Australia) Limited; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
14 products in 5 categories
ING BANK (Australia) Ltd's rates today
ING BANK (Australia) Ltd's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where ING BANK (Australia) Ltd sits among every institution's best
| Rate | ING BANK (Australia) Ltd | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.34%Mortgage Simplifier | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.74%Fixed Rate Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.75%Savings Maximiser | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%Personal Term Deposits | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.19%ING Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 12.99%Orange One Low Rate | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.35%Business Optimiser | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.45%Business Term Deposit | 5.70%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
ING BANK (Australia) Ltd home loan repayments
Repayments at ING BANK (Australia) Ltd's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableMortgage Simplifier6.34%6.37% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 1-year fixedFixed Rate Loan6.64%6.40% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- 2-year fixedFixed Rate Loan6.59%6.42% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
- 3-year fixedFixed Rate Loan6.74%6.48% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 5-year fixedFixed Rate Loan6.84%6.59% comparison$3,928a month
$813,918 in interest, $1,413,918 repaid in all
- Investor variableMortgage Simplifier6.44%6.47% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not ING BANK (Australia) Ltd's own calculator: confirm the rate with ING BANK (Australia) Ltd before you apply.
ING BANK (Australia) Ltd home loan rates
Compare across banks3 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.37%, on its Mortgage Simplifier: 39th lowest of 104 lenders, level with 10 others.
- Fixed Rate Loan
- Fixed
- 1 yr 6.64%, 2 yrs 6.59%, 3 yrs 6.74%, 4 yrs 6.84%, 5 yrs 6.84%
- Max LVR
- 95%
- Annual fee
- $0
- Mortgage Simplifier
- Variable (owner occ. P&I)
- 6.29%, 6.32% comparison
- Variable (investor P&I)
- 6.39%
- Max LVR
- 95%
- Orange Advantage
- Variable (owner occ. P&I)
- 6.44%, 6.73% comparison
- Variable (investor P&I)
- 6.54%
- Max LVR
- 95%
ING BANK (Australia) Ltd savings and transaction account rates
Compare across banks5 products
Its highest savings rate is up to 5.75% (0.01% base plus a 5.74% bonus when its conditions are met), on its Savings Maximiser: the highest of 84 institutions, level with 2 others.
ING BANK (Australia) Ltd term deposit rates
Compare across banks3 products
Its highest 12-month term deposit rate is 5.30%, on its Personal Term Deposits: 28th highest of 65 institutions, level with 14 others.
| Rate | ING BANK (Australia) Ltd | Best anywhere | Typical institution |
|---|---|---|---|
| 12-month term depositBest rate for 12 months | 5.30%Personal Term Deposits | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.25%Personal Term Deposits | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
ING BANK (Australia) Ltd credit card rates
Compare across banks2 products
Its lowest credit card purchase rate is 12.99%, on its Orange One Low Rate: 29th lowest of 51 card issuers, level with 2 others.
ING BANK (Australia) Ltd personal loan rates
Compare across banks1 product
Its lowest advertised personal loan rate is 6.19% fixed, with a comparison rate of 7.03%, on its ING Personal Loan: 6th lowest of 69 lenders, level with 2 others.
Has ING passed on the RBA's November 2026 rate rise?
ING hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Fri 9 Oct
ING lifted 40 variable home loan rates by 0.25 percentage points.
0.25- Orange Advantage (20 rates)
- Mortgage Simplifier (20 rates)
ING lifted 6 savings rates by 0.25 percentage points.
0.25- Savings Booster (1 rate)
- Savings Accelerator (4 rates)
- Savings Maximiser (1 rate)
Wed 7 Oct
ING lifted 8 term deposit rates by 0.05 to 0.15 percentage points.
0.05 to 0.15
Tue 29 Sep
ING lifted 30 fixed home loan rates by 0.20 percentage points.
0.20
Wed 23 Sep
ING lifted 8 variable home loan rates by 0.05 percentage points.
0.05- Orange Advantage (4 rates)
- Mortgage Simplifier (4 rates)
ING cut 4 variable home loan rates by 0.05 to 0.10 percentage points.
0.05 to 0.10
Fri 18 Sep
ING lifted 4 term deposit rates by 0.05 to 0.25 percentage points.
0.05 to 0.25
Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 3 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.