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Make bank with an ING savings account.

Savings Maximiser

A high variable interest rate for eligible accounts that's hard to beat.

Earn up to

% p.a.

Variable rate
(standard variable rate of % + additional variable rate of % for eligible accounts) How to earn bonus rate.

This could be the one for you if you want to:

earn a high interest rate on your savings up to $100,000

dip into your savings whenever you want

have a savings account linked to your transaction account

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Savings Accelerator

A no fuss tiered savings account that rewards you for growing your savings.

Earn up to

% p.a.

Variable rate
(additional Kick starter variable rate of % + on going variable rate of %)

Kick starter rate available to new to ING savings customers for 4 months, on total balances of $150K to $500K. Then roll onto % p.a. variable ongoing rate on balances up to $5 million.

This special kick starter rate is for a limited time only, don't miss out - open an account today.

This could be the one for you if you want to:

have no monthly deposit requirements

earn higher interest rates for higher balances

invest up to $5 million

save for a goal e.g a house.

Open now Find out more

Personal Term Deposit

A high interest rate that's guaranteed for your chosen term.

90 days term Personal Term Deposit

% p.a.

Fixed interest rate

Rate applicable to 90 days term - $10,000 minimum deposit1

This could be the one for you if you want to:

resist the urge to dip into your savings

invest from $10,000 to less than $5,000,000

lock in a deposit rate with no risk of rate fluctuations

Open now Find out more

Compare savings accounts

At ING, all savings accounts have no ING fees.

Savings Maximiser
Savings Accelerator
Personal Term Deposits
Withdrawals and deposits from a linked external account or Orange Everyday

Top up at maturity only
Government guaranteed
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Savings Maximiser
Savings Accelerator
Personal Term Deposits
Minimum deposit

Higher interest on deposits over $50,000

$10,000
Who can apply?

Aged 18 years or over

Aged 18 years or over

Aged 18 years or over
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CANSTAR - Bank of the Year 2020 - 2025

Canstar Bank of the Year, after year, after year...

ING has been awarded Canstar Bank of the Year six years running (2020 - 2025) for outstanding value across our suite of products and services.

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More from ING

Offer available on 1 account only.

1 You may withdraw all (but not part) of your deposit before the end of the term. A reduced rate of interest will apply in these circumstances.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to a Personal Term Deposit, Savings Accelerator, Savings Maximiser or Orange Everyday, you should read the Personal Term Deposits Terms and Conditions booklet and Target Market Determination, Savings Accelerator Terms and Conditions booklet and Target Market Determination. Savings Maximiser Terms and Conditions booklet and Target Market Determination and the Orange Everyday Terms and Conditions booklet, Target Market Determination and Everyday Banking Fees & Limits Schedule. To view these documents you may need Adobe Acrobat. If you have a complaint, we have procedures in place to help resolve any issues you may have. For the best ways to contact us, visit at ing.com.au/contactus. Deposit and savings products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823.

Personal Term Deposit

Personal Term Deposits require a minimum opening deposit of $10,000. The combined total deposits in all your Personal Term Deposit accounts is not permitted to exceed $5 million, whether the accounts are in individual or joint names. The interest rates that apply to Personal Term Deposits are the interest rates that are current on the date the term deposit is opened.

Savings Accelerator

Information and interest rate is current as at the date of publication and is subject to change.

Kick starter offer - available on accounts opened from 9 June 2025.

The variable kick starter rate is an introductory variable bonus rate that applies on top of the ongoing variable rate on balances of up to $500,000 for 4 months from the date of account opening (that is, the date an account number is issued). For accounts opened from 9 June 2025 the variable kick starter rate is a special rate of % p.a.

The variable kick starter rate is not available on a Savings Accelerator if any account holder has ever held a personal savings account with ING.

For balances over $500,000 during the first 4 months, or any balance after the first 4 months, only the ongoing variable rate will apply.

ING may change, extend or withdraw the current kick starter offer or the kick starter rate (including any special rate) any time. If ING does so, it will provide notice by updating the Savings Accelerator page at ing.com.au. At the expiry of any special rate offer period, the kick starter rate may be lower or higher than the advertised special rate.

The variable kick starter rate is not payable in conjunction with any other promotional rate.

The advertised kick starter rate doesn't apply to accounts opened before 9 June 2025 - you can view your current rates through Online Banking or the Mobile App. The combined total deposits in all your Savings Accelerator account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).

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

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to Savings Accelerator you should read the Savings Accelerator Terms and Conditions booklet. To view these documents you may need Adobe Acrobat. Savings Accelerator is issued by ING.

Savings Maximiser

The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One);
  • also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions); and
  • ensure that the balance of your nominated Savings Maximiser account at the end of the month (excluding interest) is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, we do not take into account any interest earned on your account in the month.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate or the additional variable rate offer at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.

Information and interest rates are current as at the date of publication and are subject to change.

Canstar Bank of the Year 2020 - 2025: Canstar has awarded ING Bank of the Year 2025 for the sixth year in a row, recognising the outstanding value ING offers across all our products and services.