ING savings & bank accounts: ING interest rates

ING is a popular choice for Australians looking for a good digital banking experience, competitive rates and low fees. Take a look at the different ING savings accounts and bank accounts in the table below to find the right one for you.

ING savings accounts, bank accounts and term deposits

ING savings accounts

10 of 10 results

Finder Score	Maximum interest rate	Base interest rate	Max rate type & duration	Monthly Max Rate Conditions	Table Description
Finder score 9.9 Excellent ING Savings Booster	Finder score 9.9 Excellent	Maximum Variable Rate p.a. 6.25%	Standard Variable Rate p.a. 2.5%	Intro/Ongoing 4 month intro rate	Monthly Max Rate Conditions Intro rate of 0.6% for 4 months for new ING savings customers (balance up to $500,000) Ongoing Boost rate of 3.15% (total 5.65%) with $100+ per month balance growth (excl. interest) (balance up to $500,000)		Go to site View details Compare product selectionCompare	loading
Finder score 9.2 Excellent ING Savings Accelerator	Finder score 9.2 Excellent	Maximum Variable Rate p.a. 5.05%	Standard Variable Rate p.a. 5.05%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Base rate applies to balance tiers up to $2,000,000. A lower base rate applies to portions of balance over $2,000,000.		Go to site View details Compare product selectionCompare	loading
Finder score 7.1 Great ING Savings Maximiser	Finder score 7.1 Great	Maximum Variable Rate p.a. 5.75%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Deposit $1,000 5 transactions Grow your balance Balance up to $100,000	Applications for new Savings Maximiser accounts will not be accepted from 1 Dec 2026.	View details Compare product selectionCompare	loading
Finder score 9.2 Excellent ING Savings Accelerator	Finder score 9.2 Excellent	Maximum Variable Rate p.a. 5.05%	Standard Variable Rate p.a. 5.05%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Balance $500,000.01 - $2,000,000		View details Compare product selectionCompare	loading
Finder score 7.4 Great ING Savings Accelerator	Finder score 7.4 Great	Maximum Variable Rate p.a. 2.95%	Standard Variable Rate p.a. 2.95%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Balance $2,000,000.01 to $5,000,000		View details Compare product selectionCompare	loading
Finder score 7 Great ING Savings Booster	Finder score 7 Great	Maximum Variable Rate p.a. 2.5%	Standard Variable Rate p.a. 2.5%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Base rate applies to balance up to $2,000,000		View details Compare product selectionCompare	loading
Finder score 5.1 Standard ING SMSF Cash	Finder score 5.1 Standard	Maximum Variable Rate p.a. 0.75%	Standard Variable Rate p.a. 0.35%	Intro/Ongoing 6 month intro rate	Monthly Max Rate Conditions No withdrawal restrictions New accounts only		View details Compare product selectionCompare	loading
Finder score 5.1 Standard ING Business Optimiser	Finder score 5.1 Standard	Maximum Variable Rate p.a. 0.75%	Standard Variable Rate p.a. 0.35%	Intro/Ongoing 6 month intro rate	Monthly Max Rate Conditions Balance up to $1,000,000 New accounts only		View details Compare product selectionCompare	loading
Finder score 1.5 Basic ING Savings Maximiser	Finder score 1.5 Basic	Maximum Variable Rate p.a. 0.01%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Monthly Max Rate Conditions Balance from $100,001	Applications for new Savings Maximiser accounts will not be accepted from 1 Dec 2026.	View details Compare product selectionCompare	loading
Finder score 4.1 Basic ING Savings Booster	Finder score 4.1 Basic	Maximum Variable Rate p.a. 0%	Standard Variable Rate p.a. 0%	Intro/Ongoing Ongoing rate	Monthly Max Rate Conditions Balance $2,000,001		View details Compare product selectionCompare	loading

Showing 10 of 10 results

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Want more interest on your savings?

Compare now and find a better rate.

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ING bank accounts

1 of 1 result

Finder Score	Monthly fee	Own network ATM fee	International transaction fee	International ATM Fee
Finder score 9.7Excellent ING Orange Everyday Account Apple PayGoogle Pay	Finder score 9.7Excellent	Monthly fee $0	Own network ATM fee $0	International transaction fee 0%	N/A	Cashback: Get a 1% utility cashback worth up to $100 per year with eligible providers. T&Cs apply.	Go to site View details Compare product selectionCompare	loading

Showing 1 of 1 result

Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

Read the full methodology

Looking for a better bank account?

Compare everyday accounts and find one that works harder for you.

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ING term deposits

3 of 3 results

Finder Score	3 Mths p.a.	6 Mths p.a.	10 Mths p.a.	12 Mths p.a.	24 Mths p.a.
9.7 Excellent ING Business Term Deposit $10,000 min. deposit $10,000,000 max. deposit	9.7 Excellent	3 Mths p.a. 5.15%	6 Mths p.a. 5.20%	10 Mths p.a. -	12 Mths p.a. 5.45%	24 Mths p.a. 5.45%	Go to site View details Compare product selectionCompare	loading
9.4 Excellent ING Term Deposit $10,000 min. deposit $5,000,000 max. deposit	9.4 Excellent	3 Mths p.a. 5.05%	6 Mths p.a. 5.20%	10 Mths p.a. -	12 Mths p.a. 5.30%	24 Mths p.a. 5.25%	View details Compare product selectionCompare	loading
9.3 Excellent ING SMSF Term Deposit $10,000 min. deposit	9.3 Excellent	3 Mths p.a. 5.15%	6 Mths p.a. 5.20%	10 Mths p.a. -	12 Mths p.a. 5.45%	24 Mths p.a. 5.45%	View details Compare product selectionCompare	loading

Showing 3 of 3 results

Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

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Congratulations, ING!

ING was a big winner in the 2026 Finder Awards.

Highly Commended, Best Bonus Savings Account: ING Savings Maximiser
Highly Commended, Best Transaction Account: ING Orange Everyday Account
Highly Commended, Best Term Deposit (12 Months): ING Term Deposit

Full list of 2026 savings account winners

Pros and cons of banking with ING

Pros

No account-keeping fees. ING Orange Everyday, Savings Maximiser, Savings Accelerator and term deposit accounts don’t attract any ongoing account-keeping fees.
No ATM or foreign transaction fees. You can access free ATM withdrawals around the globe and pay no international transaction fees.
Easy account access. While you can access funds in your everyday account using a Visa debit card that is payWave enabled, you can also access the account using phone banking or ING online and mobile banking platforms.
Round-the-clock customer service. You can speak to an ING representative 24/7 by calling its Australia-based customer service call centre.
Regulated. ING is regulated by The Australian Prudential Regulation Authority (APRA) and is included in the Australian Government Guarantee Scheme for combined balances of up to $250,000.

Cons

No branches. ING does not have any bank branches in Australia, other than its customer information centre in Sydney.
No ATMs. ING also doesn't have any ATMs, but you can use any big bank ATM for free.
Savings account conditions. ING is known for offering a competitive bonus savings rate. However, the conditions to earn its bonus rate may be difficult to meet for some people and are more complex than other accounts in the market.

How to apply for ING savings account

Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.

Compare other products from ING

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ING savings and bank accounts information page
2. ING savings and bank accounts TMD

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Written by

Alison Banney

Editorial Manager, Money

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Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

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32 Responses

MiledFebruary 3, 2025

What rate 6 month term deposit for $ 1m

Finder

SarahFebruary 4, 2025Finder

Hi Miled,

As of January 31, 2025, the 12-month term deposit with ING had an interest rate of 4.70% per annum. Note that rates are reviewed and updated daily, so this may change.

scottSeptember 16, 2024

We currently have an Orange Everyday account with two linked Savings Maximiser accounts. We are looking at an account to park a larger sum. Can we “split” the amount and put each 50% into each of the Savings Maximisers, or best to start a new Savings Accelerator to park the whole amount.
Thanks
Scott

Finder

RichardSeptember 17, 2024Finder

Hi Scott,

I suggest talking to ING directly about this. At Finder we can’t give people personal financial advice.

SupermanNovember 11, 2019

Does ING offer investment home loans?

Finder

JoshuaNovember 11, 2019Finder

Hi Superman,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

Yes, you can learn more about ING’s investment home loans. On the page, you will see a table that compares ING home loans. You can use the built-in filters to only view investment loans. You can then click on the “Enquire now” button to learn more.

Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

Alternatively, you can speak to a mortgage broker, a professional who compares and helps you apply for home loans on your behalf. A good mortgage broker will give you personalised service all the way through to settlement.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

Cheers,
Joshua

KasiaApril 13, 2019

Hi, I am on student visa at the moment. Is it possible for me to open a savings account with ING?

Finder

JeniApril 14, 2019Finder

Hi Kasia,

Thank you for getting in touch with Finder.

I’m afraid that you may not apply for an ING account since you’re on a student Visa. Basically, ING accepts applicants who are Australian residents for taxation purposes. You may refer to our list of bank accounts for international students. You can use our comparison table to help you find the lender that suits you. When you are ready, press the ‘Go to site’ button to apply.

Please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

MareeFebruary 3, 2019

Is ING covered by the Australian Government Guarantee ?

AshFebruary 4, 2019

Hi Maree,

Thank you for contacting finder.

Yes, ING Bank is covered by the Australian Government Guarantee Scheme.

I hope this helps.

Please do not hesitate to reach out again to us if you have additional questions.

Cheers,
Ash

ING savings and bank accounts

ING offers a range of bank accounts and savings accounts, including a bonus savings account and term deposit. See ING’s latest savings interest rates here.

ING savings accounts, bank accounts and term deposits

ING savings accounts

How the Finder Score helps you find a better savings account

ING bank accounts

Finder Score for bank accounts

ING term deposits

Finder Score for term deposits

Congratulations, ING!

Pros and cons of banking with ING

Pros

Cons

How to apply for ING savings account

Compare other products from ING

Alison Banney

Get rewarded $$ for switching with Finder Rewards

Ask a question

32 Responses

Read more on Bank Accounts

ING savings and bank accounts

ING offers a range of bank accounts and savings accounts, including a bonus savings account and term deposit. See ING’s latest savings interest rates here.

ING savings accounts, bank accounts and term deposits

ING savings accounts

How the Finder Score helps you find a better savings account

ING bank accounts

Finder Score for bank accounts

ING term deposits

Finder Score for term deposits

Congratulations, ING!

Pros and cons of banking with ING

Pros

Cons

How to apply for ING savings account

Compare other products from ING

Sources

Alison Banney

Get rewarded $$ for switching with Finder Rewards

Ask a question

32 Responses

Read more on Bank Accounts

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