Savings Maximiser
High variable interest rate. And no fees or penalties on withdrawals.
On this page
Details
| Field | Value |
|---|---|
| Base | 0.01% |
| Ongoing | 5.75% |
| Ongoing cap | $100K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | - |
| Dep $/mth | $1,000 |
| Growth/mth | $0.01 |
| Buys/mth | 5 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 18 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.01% | Whole balance | All balances |
| Ongoing total, conditions met | 5.75% | This band only | First $100k |
| Ongoing total, conditions met | 0.01% | This band only | Over $100k |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Bonus requirements
For Savings Maximiser, meet these requirements to earn the ongoing total rate shown above.
- Hold Orange Everyday and nominate one Savings Maximiser account.
- In the previous calendar month, deposit a total of at least $1,000 externally into eligible ING accounts in your name, make five settled eligible ING card purchases, and grow the nominated savings balance excluding current-month interest.
- Qualification in one calendar month earns the additional rate in the next calendar month. The additional rate applies to the first $100,000, excess earns the base rate.
Qualification timing: Activity in the previous month determines eligibility for the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
| Fee | Amount | Details |
|---|---|---|
| Monthly account fee | $0 | Monthly account fee. |
Source: noren.com.au
Showing reviewed fees only, other charges may apply
Rate history
| Observed | Base | Ongoing | Intro |
|---|---|---|---|
| 29 Oct 2026 | 0.01% | 5.75% | - |
Source: noren.com.au
Eligibility
- You must be aged 18 or over.
- You must be an Australian resident for taxation purposes.
- ING announces no new Savings Maximiser applications from 1 December 2026. Existing holders can continue using their accounts, this is not an announced retirement or rate expiry.
Similar products
Tools & support
Things you should know
- Check withdrawal access, linked-account requirements and transaction timing with the provider.
- Introductory and ongoing offers may have different eligibility and balance limits.
Collected on 30 Oct 2026. Pricing verified on 28 Oct 2026.