ING
Business Optimiser
A high variable interest business savings account with 24/7 access.
Savings & transaction accountsBank updated 11 Aug 2026
At a glance
- Base rate
- 0.35%
- Intro rate
- 0.75% for 6 mo
- Monthly fee
- $0
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| IntroductoryFor the first six months, for new customers, on balances up to $1million. | — | 6 mo intro | up to $1,000,000 | 0.75% | — | paid every 1 mo; For the first six months, for new customers, on balances up to $1million. |
| Variable | — | — | — | 0.35% | — | paid every 1 mo |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Account fee | Periodic | No fee | Every 1 mo | There are $0 monthly fees. |
§ 03 — Features
PayIDDigital bankingUnlimited transactions
§ 04 — Eligibility & limits
- · Minimum age 18
- · You need to nominate between one and four authorised users to operate your Business Optimiser. They must be an Australian resident for taxation purposes.
- · You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).
- · The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 11 Aug 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.