Savings, meet your perfect match.

Up to 2.80% p.a. variable rate

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  • Savings
    Maximiser
  • Orange
    Everyday

Savings Maximiser

Save smarter with our highest variable rate. 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. Then the following calendar month, this rate’s yours.

2.80

Variable rate

(incl. 1.80% 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, 1.00% p.a.) applies.

Orange Everyday

An everyday bank account that helps your pay go further. Simply deposit your pay of $1,000+ per month and make 5+ settled card purchases (not pending) each month to get these benefits the following calendar month.

  • ATMs absolutely everywhere
    Free ATMs in Australia and for ATMs around the world, we'll rebate the ATM fee within 5 business days.
  • No international transaction fees
    Shop online and overseas and you pay no ING international transaction fees.
  • No monthly fees
    With Orange Everyday there are $0 monthly fees, so there's more in your pocket.

To access these benefits, simply deposit your pay of at least $1,000 or more into your Orange Everyday or Savings Maximiser account per month and make 5+ card purchases that are settled (not pending) each month. Simple.

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Questions? Call: 1800 635 428

More to love about Savings Maximiser

No welcome rates

As long as you have an Orange Everyday, deposit $1,000+ per month and make 5+ settled card purchases (not pending) each month, you can get our highest variable rate, ongoing.

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 straight to your savings.

Get into IFTTT

Connect IFTTT to your ING accounts for everyday savings linked to everyday life - like a Fitbit goal, the weather, your to-do list ... you name it.

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Important information

Rebate Offers for Orange Everyday Customers

The Global ATM Rebate Offer and the International Transaction Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external bank account 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).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month. When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

If eligible:

  • for ATMs in Australia - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
  • for ATMs outside Australia - ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and
  • for ING international transaction fees - ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (either single or joint account).

This offer may be changed or withdrawn at any time at ING's sole discretion.

Savings Maximiser

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

The additional variable rate can only apply when you also have an Orange Everyday. The additional variable rate currently 1.80% p.a. (that is added to the Savings Maximiser standard variable rate) applies on one Savings Maximiser per customer for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external bank account 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).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders. The offer applies to a maximum of one nominated Savings Maximiser account held in your name (either single or joint account).

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. If you have multiple Savings Maximiser accounts, visit online banking or call us on 133 464 to check or change which Savings Maximiser account receives the additional variable rate (if eligible). ING can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

IFTTT

'If This Then That' (IFTTT) is an optional tool that enables you to automatically transfer amounts that meet the criteria you specify from your Orange Everyday bank account to your nominated Savings Maximiser account. IFTTT is made available by IFTTT Inc. You’ll need to agree to the IFTTT Terms and Conditions for ING customers when setting up your IFTTT account. For more information on IFTTT, visit https://ifttt.com/.

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 and Orange Everyday, you should read the relevant Terms and Conditions booklet and Orange Everyday Fees and Limits Schedule available at ing.com.au. 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.
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