Business Optimiser
Transaction & Savings AccountsData Sharing Status
A high variable interest business savings account with 24/7 access.
- Base rate
- 0.35%
- Intro rate
- 0.75%
- conditions apply
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0.35% | — | monthly |
| Introductory · 6 months For the first six months, for new customers, on balances up to $1million. · For the first six months, for new customers, on balances up to $1million. | 0.75% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account fee Charged monthly · There are $0 monthly fees. | Ongoing | $0.00 |
Features
- Unlimited transactions
- Unlimited electronic transactions.
- Digital banking
- PayID
- No need for BSB and account number. Receive real time payments using your own unique ID.
- Notifications — Transaction notification
- Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited.
Eligibility
- Minimum age — 18 yearsYou need to nominate between one and four authorised users to operate your Business Optimiser. They must be at least 18 years old.
- You need to nominate between one and four authorised users to operate your Business Optimiser. They must be an Australian resident for taxation purposes.
- You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).
- The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account.
Constraints
- Maximum balance — $5,000,000.00We may not accept a deposit to your Business Optimiser if it would result in the combined deposits of all your Business Optimiser(s) exceeding $5,000,000.
More Information
Published by ING BANK (Australia) Ltd under the Consumer Data Right · Last updated 30 April 2026 · Product ID 2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a · View on CDR.gov.au · View Source Data (JSON)