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Compare savings accounts

At ING, all savings accounts have no ING fees.

A High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.

A tiered savings account with higher variable interest rates for balances starting at $50,000.

A high interest rate guaranteed for the term you choose.

Rates and fees

Compare saving account rates & fees

Earn up to

% p.a.

variable rate

(incl. % p.a. additional variable rate)

Earn up to

% p.a.

variable rate

Kick starter offer – for the first 4 months for new to ING savings customers

Available on accounts opened from 9 June 2025.

180 day term

% p.a.

fixed interest rate

For customers who also have an Orange Everyday bank account and do these things each month:
1. Deposit $1,000+ (from an external source)
2. Make 5+ card purchases (settled, not pending) and
3. Grow their nominated Savings Maximiser balance.
Available on one account for balances up to $100,000 with the additional variable rate applied the month after eligibility criteria has been met.

The standard variable rate is % p.a.

Kick starter offer variable interest rate

Accounts with balances $150,000 - $500,000 – % p.a. variable

Accounts with balances $50,000 - $149,999.99 – % p.a. variable

Accounts with balances $0 - $49,999.99 – % p.a. variable

These rates include the variable kick starter rate of % 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 9 June 2025 – you can view your current rates through Online Banking or the Mobile App.

 

Ongoing variable interest rate

Accounts with balances $150,000 - $5,000,000.00 – % p.a. variable

Accounts with balances $50,000 - $149,999.99 – % p.a. variable

Accounts with balances $0 - $49,999.99 – % p.a. variable

The rates for each balance tier apply to the entire account balance, up to the limits stated.

% p.a. 90 day term

% p.a. 120 day term

% p.a. 180 day term

% p.a. 210 day term

% p.a. 270 day term

% p.a. 330 day term

% p.a. 1 year term

% p.a. 2 year term

Minimum $10,000 deposit

Interest rate calculations and payments

Calculated daily, paid monthly

Calculated daily, paid monthly

Paid at maturity

ING account fees and bank charges

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