ING Savings Maximiser savings account

You can earn an ongoing bonus rate of 1.35% p.a. on your savings when you meet the account conditions.

Earn 1.35% p.a. when you link to an ING Orange Everyday account and meet the following criteria each month: deposit at least $1,000; make 5+ card purchases; and grow your Savings Maximiser balance (excluding interest earned). When you meet the deposit conditions, you can make withdrawals from the account and still be eligible for bonus interest. This makes the account a flexible savings account option if you want to access the money from time to time.

Plus, when you meet the bonus conditions, you'll also get your overseas ATM fees and international transaction fees waived with your linked ING Orange Everyday account which is a great added perk.

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1.35% p.a.

Maximum variable rate


Base interest rate


Minimum deposit

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Product NameING Savings Maximiser
Maximum Variable Rate1.35% p.a.
Standard Variable Rate0.05%
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age13

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This savings account offers a bonus interest rate of 1.35% each month you meet the account conditions. You need to link to an ING Orange Everyday account , deposit $1,000 a month into either account and make 5 or more Visa debit card purchases a month. You also need to grow your Savings Maximiser balance each month to earn bonus interest - this ican be by any amount, but it excludes any interest you've earned.

The monthly deposit condition is higher than many other accounts, however you’re able to withdraw as much as you want from the account during the month while still being eligible for bonus interest. And if you meet the account conditions, you’ll also get all overseas ATM fees refunded on your Orange Everyday transaction account and you won’t pay any international transaction fees. This could save you a fair bit of money if you travel a lot or often shop online from overseas stores, and it’s a fairly unique benefit that isn’t offered by many transaction accounts.

The bonus interest rate is quite competitive however it’s only available on balances up to $100,000, so it may not be what you’re looking for if you’ve got a larger balance.

Key features

Standard variable interest rate of 0.05% p.a.

Your savings balance will have a variable interest rate of 0.05% p.a. applied to it each month.

Maximum variable interest rate of 1.35% p.a.

Earn a maximum variable bonus rate of 1.35% p.a. when you link to an ING Orange Everyday account and meet the following criteria each month: deposit at least $1,000; make 5+ card purchases; and grow your Savings Maximiser balance (excluding interest earned).

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How to apply


If this is the savings account that will get help you meet your goals with ease, you can quickly apply online by clicking 'go to site'. Before you continue to the secure application page, check that you are able to meet the eligibility requirements set forth by ING:

  • Minimum age requirement. Applicants aged 13 or older will be considered for this account.
  • Residency requirement. You must be an Australian permanent resident or citizen with a residential address in Australia in order for ING to open a savings account in your name.

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    Default Gravatar
    January 22, 2020

    What do you mean by “link the Maximiser to and everyday account. Can you give an example?

      Avatarfinder Customer Care
      January 22, 2020

      Hi Paul,

      Thank you for your question. It’s recommended that you link this account, ING Savings Maximiser, with an ING Orange Everyday Account so you can receive the bonus interest. Both accounts are from ING. Hope this helps.


    Default Gravatar
    October 17, 2019

    I can’t seem to use my card when withdrawing cash. I can’t remember my pin number, can you help?

      Default Gravatar
      October 19, 2019

      Hi Sue,

      Thanks for getting in touch. I’m sorry to hear you have forgotten your password.

      If this is your online password, please check for any retrieval command/s on the app and proceed with changing your password online. If this is for your Orange Everyday Debit Card, you’d need to contact ING directly to be assisted further.

      I wish I could help you further but since we are not working with ING, we won’t be able to access the password change process.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    July 23, 2019

    If I open a Savings Maximiser account today, would I receive my card before next Wednesday I fly out on Thursday. Secondly, would I pay NO overseas transaction fees using that card?

      Default Gravatar
      July 24, 2019

      Hi Rob,

      Thanks for your message and for your interest in ING Savings Maximiser savings account. Kindly note that this account is not connected with a physical card as this account needs to be connected with your Orange Everyday account. If you wish to proceed, you can open an account by clicking the ‘Go to Site’ buttons on this page. This will securely take you to the ING website to start an online application. When the application is complete you can submit it to ING online. If they are able to verify your identity electronically your account will be opened instantly and you can begin depositing money to be saved.

      As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of this account before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps!


    Default Gravatar
    July 16, 2019

    What interest rate above $100,000?

      Default Gravatar
      July 17, 2019

      Hi Lou,

      Thank you for contacting Finder.

      For balances more than $100,000, the current Standard Variable Rate at that time will apply. As of now, the Standard Variable Rate is 0.50% p.a.

      I hope this helps.

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


    Default Gravatar
    June 14, 2019

    I recently changed to ING, I have an ING orange everyday and linked saving maximiser account, I deposit my pay of $1,000 or more each month and also make 5+ card purchases that are settled, but Im still not reaching the highest interest rate? it says my Saving maximiser account is not my primary account? Can you help me understand this?

      Default Gravatar
      June 15, 2019

      Hi Louise,

      Thanks for your inquiry.

      Sorry to hear you’re not receiving the highest interest rate even if you are meeting the qualifications of the account. While we review ING on our pages, we won’t be able to review your account about this matter. We suggest that you contact ING to discuss any concerns you may have about interest charges.

      Hope this clarifies!


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