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

Thank you for your feedback!

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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Alison has written 592 Finder guides across topics including:

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Savings accounts, bank accounts and term deposits
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32 Responses

JennySeptember 24, 2018

Do you offer Term Deposits for Self-Managed Superfunds? If so, how do I apply?

Finder

JhezelynSeptember 24, 2018Finder

Hello Jenny,

Thank you for your comment.

Yes, ING offers SMSF Term Deposit. Applications are accepted online and can be accessed by visiting ING’s website.

Before submitting an application, please make sure that you meet the eligibility requirements.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.

Regards,
Jhezelyn

GregoMarch 25, 2018

Are there any penalties if you are unable to deposit a $1000 per month with the Orange Everyday account?

LouMarch 25, 2018

Hi Grego,

Thanks for your question.

There are no penalties if you can’t make a deposit of at least $1,000 per month on your ING Orange Everyday Transaction Account. However, you may incur the following fees which are free to those who meet the deposit requirement:

Overseas ATM Withdrawal Fee – $2.50
– ATM Fees by third party ATM operators
– International transaction fee – (2.5% of the amount)

I hope this helps.

Cheers,
Anndy

IsaMarch 7, 2018

we want to open a joint account where we can deposit on a weekly basis.
this account will solely be for paying rent, bills etc

which account is easy friendly
low or no fees
direct debit into utilities etc

JoelMarch 8, 2018

Hi Isa,

Thanks for leaving a question on Finder.

You may refer to our list of joint bank accounts. As stated in our review, these accounts are generally used by family members, couples, or business partners who share expenses such as rent and bills as well as common everyday living costs.

Please click the link above and use our comparison table to help you find the account that suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

Before applying, 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.
Cheers,
Joel

SandraJune 2, 2017

I opened an account many years ago and still have a small amount of money which I would like to retrieve. I have a number and a pin. Can you help?

Finder

RenchJune 2, 2017Finder

Hi Sandra,

Thanks for your inquiry. Please note that we are not affiliated with ING Direct or any company we feature on our site and so we can only offer a general advice.

Unfortunately, your old account might be closed due to inactivity. You might like to get in touch with ING Direct directly on 133 464 and give them your details. They can further help you on this request.

Best regards,
Rench

RoddieMay 3, 2017

Since you guys have no branch how will withdrawing money without no card while you wait for a new one work? And second I have my bank account plus a savings account and another savings account for my daughter who is 4 years old now how can I do that with you guys and is it possible to that?

Finder

HaroldMay 4, 2017Finder

Hi Roddie,

Thank you for your inquiry.

Withdrawals can be made for free from any ATM in Australia, regardless of the bank, so long as you deposit your pay of $1,000 monthly.

I hope this information has helped.

Cheers,
Harold

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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