INGSavings Maximiser
High variable interest rate. And no fees or penalties on withdrawals.
At a glance
- Up to
- 5.75%
- Base rate
- 0.01%
- Bonus rate
- 5.74%
- 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.
What a bonus account pays in a month its conditions aren't met. One dot per institution, at its highest base rate on a bonus savings account anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 5.75% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | Highest of 51, level with 2 others |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.01% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 36th highest of 43, level with 7 others |
Rates
Every rate ING publishes for this account, 2 in all.
How the rate is made up
5.75%in a month every condition is met
To earn the bonus
- For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases
- For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month).
- For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Pers…
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusWhen 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. | - | - | $1,000+ | 5.74% | - | paid every 1 mo; For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases; For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month).; For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Pers… |
| Variable | - | - | - | 0.01% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Bonus, $1,000+ | 5.49% | 5.74% | up 0.25 |
Each change is logged the night it appears in the rates ING BANK (Australia) Ltd publishes. See how every lender answered the RBA on the rate tracker.
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 must be an Australian resident for taxation purposes.
Compare it with others
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Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 19 Oct 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.