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.

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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

8 of 8 results
Updated regularly
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $1,000
5 transactions
Grow your balance
Balances up to $100,000
Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OE100JOIN and deposit $1000, plus make 5 debit purchases by 31 January 2026. T&Cs apply.
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ING logo
Finder score
9.5 Excellent
ING Savings Accelerator
Most Loved
Finder score
9.5 Excellent
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
3.95%
Intro/Ongoing
4 month intro rate
Welcome rate applies to balances $150,000 - $500,000
Ongoing rate applies to balances $150,000 - $5 million
Ideal for higher balances, savers can earn up to 5% for the first 4 months and up to 3.95% thereafter. There are no conditions and $0 account-keeping fees.
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ING logo
Finder score
9.1 Excellent
ING Savings Maximiser
Most Loved
Finder score
9.1 Excellent
Maximum Variable Rate p.a.
0.01%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $100,001
Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OE100JOIN and deposit $1000, plus make 5 debit purchases by 31 January 2026. T&Cs apply.
Go to siteView details
Compare product selection
ING logo
Finder score
9.5 Excellent
ING Savings Accelerator
Most Loved
Finder score
9.5 Excellent
Maximum Variable Rate p.a.
4.05%
Standard Variable Rate p.a.
3.00%
Intro/Ongoing
4 month intro rate
Balance $50,000 to $149,999.99
Ideal for higher balances, savers can earn up to 4.05% for the first 4 months and up to 3% thereafter. There are no conditions and $0 account-keeping fees.
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ING logo
Finder score
7 Great
ING SMSF Cash
Most Loved
Finder score
7 Great
Maximum Variable Rate p.a.
0.75%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
6 month intro rate
View details
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ING logo
Finder score
9.5 Excellent
ING Savings Accelerator
Most Loved
Finder score
9.5 Excellent
Maximum Variable Rate p.a.
3.95%
Standard Variable Rate p.a.
3.95%
Intro/Ongoing
4 month intro rate
Balance $500,001 to $5 million
Ideal for higher balances, savers can earn up to 3.95% for the first 4 months and up to 3.95% thereafter. There are no conditions and $0 account-keeping fees.
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Compare product selection
ING logo
Finder score
7 Great
ING Business Optimiser
Most Loved
Finder score
7 Great
Maximum Variable Rate p.a.
0.75%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
6 month intro rate
Balances up to $1,000,000
View details
Compare product selection
ING logo
Finder score
9.5 Excellent
ING Savings Accelerator
Most Loved
Finder score
9.5 Excellent
Maximum Variable Rate p.a.
3.15%
Standard Variable Rate p.a.
2.10%
Intro/Ongoing
4 month intro rate
Balance $0 to $49,999.99
Ideal for higher balances, savers can earn up to 3.15% for the first 4 months and up to 2.1% thereafter. There are no conditions and $0 account-keeping fees.
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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
Updated regularly
Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
Finder score
9.6Excellent
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OE100JOIN and deposit $1000, plus make 5 debit purchases by 31 January 2026. T&Cs apply.
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Compare product selection
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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
Updated regularly
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
ING logo
Finder Score
9.8 Excellent
ING Term Deposit
$10,000 min. deposit
Finder Score
9.8 Excellent
3 Mths p.a.
4.15%
6 Mths p.a.
4.35%
10 Mths p.a.
-
12 Mths p.a.
4.20%
24 Mths p.a.
3.90%
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ING logo
Finder Score
9.1 Excellent
ING SMSF Term Deposit
$10,000 min. deposit
Finder Score
9.1 Excellent
3 Mths p.a.
4.10%
6 Mths p.a.
4.10%
10 Mths p.a.
-
12 Mths p.a.
4.00%
24 Mths p.a.
3.70%
View details
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ING logo
Finder Score
9.3 Excellent
ING Business Term Deposit
$10,000 min. deposit
Finder Score
9.3 Excellent
3 Mths p.a.
4.10%
6 Mths p.a.
4.10%
10 Mths p.a.
-
12 Mths p.a.
4.00%
24 Mths p.a.
3.70%
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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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Finder Awards badge

Congratulations, ING!

ING was a big winner in the 2025 Finder Awards.

  • Highly commended, Best Savings Account: Savings Maximiser
  • Highly commended, Best Term Deposit (12 Months): Term Deposit

Full list of 2025 savings account winners

What do Australians think of ING bank account?

  • 4.48/5 overall for Customer Satisfaction - higher than the average of 4.11
  • 4.87/5 for Trust - higher than the average of 4.43, and this was the highest score in the category
  • 4.35/5 for Customer Service - higher than the average of 4.07

Based on ING bank account scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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 a 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.

Sources

Alison Banney's headshot
Written by

Editorial Manager, Money

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

Alison's expertise
Alison has written 660 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living
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32 Responses

    Default Gravatar
    MyriahAugust 31, 2016

    I am an Australian moving to Amsterdam for three months. f I was to apply for an ING Direct Orange Everyday account – what sort of fees would I incur for ATM withdrawals in Amsterdam?

      Clarizza Fernandez's headshotFinder
      ClarizzaAugust 31, 2016Finder

      Hi Myriah,

      Thanks for your comment.

      Withdrawals made overseas using your Visa debit card will incur a charge of $2.50 per transaction plus a currency conversion fee. This is not including any fees that may be charged by the institution that owns the ATM overseas.

      Clarizza

Read more on Bank Accounts

  • ING SMSF Term Deposit

    Take control of your super with a flexible account that allows you to manage all of your needs in one convenient place.
  • ING Savings Accelerator ($150,000 – $500,000)

    The ING Savings Accelerator provides you with a serious incentive to save with an increase in interest rates as your account balance grows.
  • ING term deposit

    Check out this review of ING's term deposit rates.
  • ING Orange Everyday transaction account

    With an ING bank account you'll pay no ATM fees in Australia up to 5 times per month pay no international transaction fees when the account conditions are met. Apple Pay and Google Pay available, plus more perks.

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