{
  "source": "https://id.ob.ing.com.au/cds-au/v1/banking/products/98290a00-39c5-4157-82ce-e725e305237b",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "98290a00-39c5-4157-82ce-e725e305237b",
    "effectiveFrom": "2008-09-28T23:00:00.000Z",
    "effectiveTo": "9999-12-31T01:00:00.000Z",
    "lastUpdated": "2026-06-28T14:00:00.000Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Savings Accelerator",
    "description": "A tiered savings account, with a variable interest rate.",
    "brand": "ING",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.ing.com.au/savings/savings-accelerator.html"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited electronic transactions."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "No need for BSB and account number. Receive real time payments using your own unique ID."
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Transaction notification",
        "additionalInfo": "Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited."
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "We may not accept a deposit to your Savings Accelerator if it would result in the combined deposits of all your Savings Accelerator(s) (whether in individual or joint names) exceeding $5,000,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "You must be aged 18 or over."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be an Australian resident for taxation purposes."
      }
    ],
    "fees": [
      {
        "name": "Account fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "There are $0 monthly fees."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0480",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0480",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "500000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Applies to portion of account balance, not entire account balance."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0480",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.01",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Applies to portion of account balance, not entire account balance."
      },
      {
        "depositRateType": "INTRODUCTORY",
        "rate": "0.0105",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "500000.00",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "applicabilityConditions": [
              {
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalInfo": "Available to new to ING savings customers on accounts opened from 1 May 2026, these rates include the variable kick starter rate of 1.05% p.a., which 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 balances over $500,000 the ongoing variable interest rate will apply. The advertised kick starter rate doesn’t apply to accounts opened before 1 May 2026."
              }
            ]
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalInfo": "Available to new to ING savings customers on accounts opened from 1 May 2026, these rates include the variable kick starter rate of 1.05% p.a., which 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 balances over $500,000 the ongoing variable interest rate will apply. The advertised kick starter rate doesn’t apply to accounts opened before 1 May 2026."
          }
        ],
        "additionalValue": "P4M",
        "additionalInfo": "Available to new to ING savings customers on accounts opened from 1 May 2026, these rates include the variable kick starter rate of 1.05% p.a., which applies on top of the ongoing variable rate on balances of up to $500,000.00 for 4 months from the date of account opening (that is, the date an account number is issued). For balances over $500,000.00 the ongoing variable interest rate will apply. The advertised kick starter rate does not apply to accounts opened before 1 May 2026."
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0270",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Amount",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Applies to portion of account balance, not entire account balance."
      }
    ]
  }
}