---
title: "Business Optimiser — ING BANK (Australia) Ltd"
description: "Transaction & Savings Accounts from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T06:21:03.003Z
---

# Business Optimiser — ING BANK (Australia) Ltd

> Transaction & Savings Accounts from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

A high variable interest business savings account with 24/7 access.

## At a glance

- **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% | Amount $0–$1,000,000 | 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 years (You 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** — $5,000,000.00 (We 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 from ING BANK (Australia) Ltd

- [Overview](https://www.ing.com.au/business/business-optimiser.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a
- Provider page: https://www.cdrcompare.au/brands/ing-bank-australia-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000026

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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