do your thing

Unlock an absolute beast of a savings rate.

Earn up to

%
p.a.

Including standard variable + additional variable rate.
Monthly eligibility criteria applies.

Release the beast

Canstar Bank of the Year, 6 years running.

No monthly account fees.

Australia’s Most Recommended Bank.

Put your savings in beast mode.

When it comes to maximising your savings, it doesn't pay to be a pussycat.

So be the lion with Saving Maximiser and Orange Everyday and you could earn an absolute beast of a rate.

Release the beast

Earn up to

%
p.a.

Variable interest rate

(Standard variable rate of % p.a. + additional variable rate of % p.a. for eligible accounts). How to earn bonus rate.

CANSTAR - Bank of the Year 2020 - 2025

Big cat's out of the bag.
We're Bank of the Year, 6 years running.

With ING you're onto a beast a of bank (in the nicest possible way, of course).

In fact, we've won Canstar Bank of the Year so many times it's hard to keep count.

Why open a Savings Maximiser?

Earn a beast of a rate

Customers who also have our Orange Everyday bank account could get our highest Savings Maximiser variable rate of up to % p.a. See how below.

It's always your money

With no monthly account fees and no withdrawal fees. Save the way you want to save - with more of your money going towards your savings goals.

Round to save up faster

Use ING Everyday Round Up to auto round up Orange Everyday card purchases to the nearest $1 or $5, with the extra amount going to your Savings Maximiser.

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How to earn bonus interest?

Meet the monthly eligibility criteria when you combine a Orange Everyday and Savings Maximiser and follow the below three steps each month.

Deposit $1,000+

Each month from an external source to any personal ING account in your name (excluding Living Super and Orange One)

Make 5+ transactions

Settled (not pending) eligible ING card purchases.

Grow your balance

Each month on your nominated Savings Maximiser (excluding interest earned for the current month).

When the criteria is met in a calendar month, the additional bonus variable rate will apply in the next calendar month. Available on one account for balances up to $100,000.

Reach your savings goals sooner, open an Orange Everyday and Savings Maximiser today.

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How much could I earn?

Explore your estimated savings potential with our Savings Calculator.

Give our Savings Calculator a go

Never miss out on your bonus interest

Stay on top of your progress 24/7 anywhere, anytime with our benefits tracker, available in the ING app.

Download ING App on App Store Download ING App on Google play

Bundle to save more

Orange Everyday Card

Orange Everyday

Savings Maximiser

Open both now

$0

Monthly account fees

Other fees and charges may apply.

1%

Cashback on utility bills

Eligible gas, electricity and water bills. T&Cs apply.

Unlimited rebates

Unlimited rebates on ING International Transaction Fees for eligible online and overseas purchases. Monthly eligibility criteria applies.

5x

Rebated ATM fees

Save on fees with up to 5 rebated ATM withdrawal fees a month (excludes international ATM operator fees).

Government guaranteed

Deposits guaranteed up to $250k per customer.

Open both now

Other ways to save with ING

Every cent you deposit will earn you interest.

Savings Accelerator

A 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.

  • Grow your interest when you grow you balance

    Earn a competitive variable rate on balances over $50,000, and an even higher rate on balances exceeding $150,000. The rates for each balance tier apply to the entire account balance, up to the limits stated.

  • No fees, more growth

    With no fees, every dollar you deposit will earn you interest, giving your money every opportunity to grow to achieve your savings goals.

  • No fuss

    No fixed term, minimum withdrawal amounts or monthly eligibility requirements. Plus combined balances up to $250,000 per customer are fully guaranteed by the Australian Government.

Open now Find out more

Personal Term Deposit

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

210 days term Personal Term Deposit

%
p.a.

Fixed interest rate

Rate applicable to 210 days term - $10,000 minimum deposit1

  • Competitive rates up to % p.a.

    Secure a high interest rate guaranteed for your chosen timeframe on deposits of $10,000 to $5 million.

  • No fees

    With no fees, every cent you deposit earns you interest so your entire balance has the opportunity to grow.

  • Lock in your rate

    Lock in a fixed rate of return and have the peace of mind that your funds are secure. It's a great way to keep things steady and worry-free.

Open now Find out more
do your thing

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.

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182). MFI is defined as the bank that the consumer says is their main financial institution.

NB: 10 Largest ADI's are CBA, Westpac, NAB, ANZ, Macquarie, ING, Bendigo, Suncorp, BOQ, HSBC

*Competitor set for AFR NPS position excludes Up bank and Ubank