---
title: "Savings Maximiser — 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/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T06:21:03.003Z
---

# Savings Maximiser — 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**

High variable interest rate. And no fees or penalties on withdrawals.

## At a glance

- **Base rate:** 0.01%
- **Bonus rate:** 5.49% (conditions apply)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.01% | — | monthly |
| Bonus · 1 month (When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000. · For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month). · For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Personal Term Deposit, ING Personal Loan or ING Home Loan in your name. · For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases) | 5.49% | Amount $1,000+ | 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.)
- **Real-time payments (NPP)**
- **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 must be aged 18 or over.)
- **You must be an Australian resident for taxation purposes.**

## Constraints

- **Maximum balance** — $5,000,000.00 (We may not accept a deposit to your Savings Maximiser if it would result in the combined deposits of all your Savings Maximiser(s) (whether in individual or joint names) exceeding $5,000,000.)

## More information from ING BANK (Australia) Ltd

- [Overview](https://www.ing.com.au/savings/savings-maximiser.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `b7bb9da4-3913-484c-8d2d-3fc99b9b4a72`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72
- 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/b7bb9da4-3913-484c-8d2d-3fc99b9b4a72) — 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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