INGBusiness Optimiser
A high variable interest business savings account with 24/7 access.
At a glance
- Base rate
- 0.35%
- Intro rate
- 0.75% for 6 mo
- Monthly fee
- $0
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Each institution's best interest-paying business account, base plus any bonus. One dot per institution, at its highest business savings rate anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 0.35% | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions | 19th highest of 34 |
Rates
Every rate ING publishes for this account, 2 in all.
| 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 |
Fees
One fee published, grouped by when they're charged.
While you hold it1
- Account fee
There are $0 monthly fees.
No fee
Features
Eligibility and 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.
Compare it with others
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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.