Savings, meet your perfect match.

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Savings Maximiser

Save smarter with our highest variable rate when you.

  • Add Orange Everyday to your Savings Maximiser
  • Deposit your pay of $1,000+ each month and make 5+ settled card purchases (not pending) each month
  • Grow your nominated Savings Maximiser balance so that there's more in it at the end of the current month (excluding interest) than there was at the end of the previous month.

Then the following calendar month, this rate's yours:

Variable interest

(incl. % p.a. additional variable rate)

Available on one Savings Maximiser account on balances up to $100,000.

Remember, if you do not satisfy the conditions to receive the additional variable rate, the Savings Maximiser standard variable rate (currently, % p.a.) applies.

Orange Everyday

An everyday bank account that helps your pay go further. Simply deposit $1,000+ from an external source to any personal ING account in your name (excluding Living Super and Orange One) each month and make 5+ eligible ING card purchases that are settled (not pending) each month and you will qualify to access the below benefits in the next calendar month.

1% cashback on eligible utility bills

You could get 1% cashback when you pay any eligible gas, electricity and water bills with your Orange Everyday account by BPAY, PayTo or Direct Debit using your BSB and account number (up to $100 per financial year). T&Cs apply.

$0 ING international transaction fees

Shop online and overseas and we'll rebate the ING international transaction fees when pay with Orange Everyday.

Up to 5 rebated ATM withdrawals a month per account

Rebates on the ATM Withdrawals fee for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

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Questions? Call: 1800 635 428

More to love about Savings Maximiser

Earn up to % p.a. variable rate

Customers who also have our Orange Everyday bank account could get our highest Savings Maximiser variable rate of up to % p.a. Find out how above, it's a smarter way to save.

It's your money

With no ING fees, no withdrawal fees and no minimum balance, save the way you want to save - with more of your money going towards your savings goals.

Everyday round up

The super-smart way to save. Round up card purchases to the nearest $1 or $5, with the extra amount going from your Orange Everyday transaction account straight to your savings maximiser.

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More from ING

Orange Everyday Benefits for Orange Everyday Customers

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

  • deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
  • 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).

Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.

Each month that you're eligible for the Orange Everyday Benefits, you'll receive the following on your Orange Everyday accounts:

  • 1% cashback on eligible utility bill payments (up to $100 per financial year);
  • Unlimited rebates on the ING International Transaction Fee; and
  • Rebates on the ATM Withdrawals fee for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

An eligible utility bill payment is a payment made by BPAY, PayTo or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

For full terms and conditions, see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list at ing.com.au.

Subject to these terms and conditions, ING may change or cancel these benefits at any time.

Savings Maximiser

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

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 current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.

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.

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 Savings Maximiser or Orange Everyday, you should read the Savings Maximiser Terms and Conditions booklet and the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823.