Interest Rates

               Savings

Savings Maximiser

5
.60 %
p.a. Variable rate

5.60% p.a. variable welcome rate for new Savings Maximiser customers.

New Savings Maximiser customers will receive a variable welcome rate of 5.60% p.a. for 4 months from account opening, on balances up to $250,000. This rate is subject to change and after 4 months will revert to the Savings Maximiser standard variable rate applicable at the time, which is currently 4.00% p.a.

Personal Term Deposits

Personal Term Deposits offer a fixed rate of interest for the duration of the term and require a minimum opening deposit of $10,000.

5
.10 %
p.a. 120 days term
5
.40 %
p.a. 210 days term
5
.00 %
p.a. 1 year term
Term Interest Rate Term Interest Rate
30 day term 3.75% p.a. 270 day term 5.30% p.a.
90 day term 5.10% p.a. 330 day term 5.00% p.a.
120 day term 5.10% p.a. 1 year term 5.00% p.a.
180 day term 5.30% p.a. 2 year term 5.00% p.a.
210 day term 5.40% p.a.

Pick Your Own Maturity Date

Do you have a date you would like your Personal Term Deposit to mature on? Choose a date between 30 to 365 days, provided the date does not fall on a weekend or a national public holiday.

Select here for an example

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Savings Accelerator

Tier Rate
$150,000.00 and over 4.75% p.a. (applies to total balance, not just amounts $150,000.00 and over)
$50,000.00 - $149,999.99 4.50% p.a. (applies to total balance, not just amounts $50,000.00 and over)
$0.00 - $49,999.99 3.75% p.a.

DIY Super - at call (Business Optimiser)

5
.50 %
p.a. Variable rate

5.50% p.a. variable welcome rate for new Business Optimiser customers.

New Business Optimiser customers will receive a variable welcome rate of 5.50% p.a. for 6 months from account opening, on balances up to $1 million. This rate is subject to change and after 6 months will revert to the Business Optimiser standard variable rate applicable at the time, which is currently 4.00% p.a.

DIY Super - Business Term Deposits

Business Term Deposits offer a fixed rate of interest for the duration of the term and require a minimum opening deposit of $10,000.

5
.10 %
p.a. 120 days term
5
.40 %
p.a. 210 days term
5
.00 %
p.a. 1 year term
Term Interest Rate Term Interest Rate
30 day term 3.75% p.a. 270 day term 5.30% p.a.
90 day term 5.10% p.a. 330 day term 5.00% p.a.
120 day term 5.10% p.a. 1 year term 5.00% p.a.
180 day term 5.30% p.a. 2 year term 5.00% p.a.
210 day term 5.40% p.a.

Pick Your Own Maturity Date

Do you have a date you would like your Business Term Deposit to mature on? Choose a date between 30 to 365 days, provided the date does not fall on a weekend or a national public holiday.

Select here for an example

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Important InformationImportant Information

Information & interest rates are current as at 11 May 2012 and are subject to change.

The advertised Savings Maximiser variable welcome rate applies for 4 months from the date the Savings Maximiser is opened on balances up to $250,000 and is subject to change.  At the end of the 4 month period, the rate that applies to your account balance will be the Savings Maximiser standard variable rate applicable at the time.  The offer is applicable on the first Savings Maximiser that you open (including joint accounts) and is for a limited time only.

Any advice on this website does not take into account your objectives, financial situation or needs. Before making any decision in relation to our savings products you should read the relevant Product Disclosure Statement or Terms and Conditions Booklet, available at ingdirect.com.au or by calling 133 464 and consider whether it and any information in this statement is appropriate for you given your situation. If you have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you may have. ING DIRECT's products are issued by ING Bank (Australia) Limited. ABN 24 000 893 292. AFSL 229823, Australian Credit Licence 229823.

              Everyday

Orange Everyday

Interest Rate

    Like most transaction accounts, our transaction account does not pay interest.

    For a savings solution, with competitive interest rates, take a look at our award winning Savings accounts which you can link to your Orange Everyday.

Important InformationImportant Information

Information & interest rates are current as at 30 March 2012 and are subject to change.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to Orange Everyday you should read the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Charges brochure. To view these documents you may need Adobe Acrobat. Orange Everyday is issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292. AFSL 229823, Australian Credit Licence 229823.

           Home Loans

Variable Rate Home Loans

Home Loan Interest Rate Comparison Rate
Orange Advantage *

($500,000 and over)

 6.19% p.a. 6.37% p.a.
Orange Advantage *

($300,000 - $499,999)

 6.29% p.a. 6.47% p.a.
Orange Advantage

(less than $300,000)

 6.54% p.a. 6.71% p.a.
Mortgage Simplifier ** 6.42% p.a. 6.42% p.a.
Construction Loan 6.42% p.a. 6.42% p.a.
Action Equity Loan 7.02% p.a. 7.02% p.a.
Smart Home Loan ** 7.02% p.a. 7.14% p.a.

Fixed Rate Home Loans

Home Loan Interest Rate Comparison Rate
1 Year Fixed Rate 5.89% p.a. 6.40% p.a.
2 Year Fixed Rate 5.89% p.a. 6.35% p.a.
3 Year Fixed Rate 5.99% p.a. 6.34% p.a.
4 Year Fixed Rate 6.59% p.a. 6.52% p.a.
5 Year Fixed Rate 6.79% p.a. 6.62% p.a.

* Refers to total residential ING DIRECT borrowings.

** Interest rate discounts available under SmartPack when borrowing $300,000 or more in aggregate, excluding Lo Doc and Commercial Loans. 0.06% p.a. off the Mortgage Simplifier rate and 0.50% p.a. off the Smart Home Loan rate. Smartpack fee applies. For a limited time, ING DIRECT will offer a bonus SmartPack interest rate discount of 0.10% p.a. Conditions apply.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Comparison rate based on $150,000 loan over a 25 year term. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Fees:

Pre settlement fees and charges can often be forgotten and can cause some sleepless nights if not included in your budget. Our fees and charges brochures - pre settlement fees and charges and post settlement fees and charges will help you identify the ING DIRECT fees which may be payable.

Important InformationImportant Information

Information & interest rates are current as at 11 May 2012 and are subject to change.

All applications for credit are subject to ING DIRECT's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available under the Brochures and Forms section of this website.

Any advice on this website does not take into account your objectives, financial situation or needs. Before making any decision in relation to our savings products you should read the relevant Product Disclosure Statement or Terms and Conditions Booklet, available at ingdirect.com.au or by calling 133 464 and consider whether it and any information in this statement is appropriate for you given your situation. If you have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you may have. ING DIRECT's products are issued by ING Bank (Australia) Limited. ABN 24 000 893 292. AFSL 229823, Australian Credit Licence 229823.

             Business

Business Optimiser

5
.50 %
p.a. Variable rate

5.50% p.a. variable welcome rate for new Business Optimiser customers.

New Business Optimiser customers will receive a variable welcome rate of 5.50% p.a. for 6 months from account opening, on balances up to $1 million. This rate is subject to change and after 6 months will revert to the Business Optimiser standard variable rate applicable at the time, which is currently 4.00% p.a.

Business Term Deposits

Business Term Deposits offer a fixed rate of interest for the duration of the term and require a minimum opening deposit of $10,000.

5
.10 %
p.a. 120 days term
5
.40 %
p.a. 210 days term
5
.00 %
p.a. 1 year term
Term Interest Rate Term Interest Rate
30 day term 3.75% p.a. 270 day term 5.30% p.a.
90 day term 5.10% p.a. 330 day term 5.00% p.a.
120 day term 5.10% p.a. 1 year term 5.00% p.a.
180 day term 5.30% p.a. 2 year term 5.00% p.a.
210 day term 5.40% p.a.

Pick Your Own Maturity Date

Do you have a date you would like your Business Term Deposit to mature on? Choose a date between 30 to 365 days, provided the date does not fall on a weekend or a national public holiday.

Select here for an example

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Important InformationImportant Information

Information & interest rates are current as at 11 May 2012 and are subject to change.

The advertised Business Optimiser variable welcome rate is current as at 11 May 2012 and is subject to change. Variable welcome rate applies for 6 months from the date the Business Optimiser is opened. At the end of the 6 month period, the rate that applies to your balance will be the Business Optimiser standard variable rate applicable at the time. This offer is applicable on the first Business Optimiser opened per entity and is for a limited time only.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our savings products you should read the relevant Terms and Conditions booklet available under our Brochures & Forms page. To view these documents you may need Adobe Acrobat. ING DIRECT's products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.