ING Savings Maximiser: 5.75% p.a. on balances up to $100,000 (conditions apply)
From 9 October 2026, the ING Savings Maximiser offers a high variable interest rate of 5.75% p.a. on balances up to $100,000. To qualify for this rate each month, you must hold an ING Orange Everyday Bank Account, ensure your savings balance grows compared to the start of the month, and make at least 5 debit card purchases. This is a competitive rate for short-term savings, provided you can consistently meet the activity requirements.
Original title
ING Savings Maximiser 5.75% p.a. Interest on Balance up to $100,000 (Balance Growth, 5 Card Purchases & Deposit Required)
Quick take
- Students
- Working Holiday Makers
- New immigrants
- Families with PR/Citizenship
- Users unwilling to bundle bank products
- Those who cannot guarantee monthly deposit growth and spending volume
- 5.75% p.a. is currently among the higher savings rates in Australia
- $100,000 cap covers most personal emergency funds or short-term goals
- No annual fees, just requires meeting standard banking activity rules
- Strict monthly conditions (balance growth + 5 purchases); missing one resets you to lower rates
- Variable rate means it could drop in the future
- Balances above $100,000 do not earn the bonus rate
- Price
- Reward offer
- Value per hour
- $0
Fill in your profile and we'll tell you whether you can do this (state, visa status, banks, memberships).
Set up my profile →How to do it
- 1Ensure you have an active ING Orange Everyday Bank Account.
- 2Deposit funds into your Savings Maximiser account so that the end-of-month balance is higher than the start-of-month balance.
- 3Complete at least 5 valid debit card transactions within the same calendar month.
- 4Interest will be calculated at 5.75% p.a. on eligible balances up to $100,000 if all conditions are met.
Conditions
- Requires an ING Orange Everyday Bank Account.
- Monthly balance growth required.
- Minimum 5 debit card purchases per month.
- High rate applies only to the first $100,000; excess earns standard rates.
- Variable rate subject to change by ING.
Risks
- NoteOnly available in NSW / VIC / QLD / WA / SA / TAS / ACT / NT.
- NoteNo end date given. The price or offer could end at any time.
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