Our Products

Why can't I do my banking when it suits me?

The table below provides a comparison of all ING DIRECT’s personal and DIY Super savings products to help choose which savings account is right for you.

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What do all our products have in common...
  • No ING DIRECT fees
  • 24/7 easy access to your account via internet or phone banking
  • No minimum deposits
  • Your money is secure. ING DIRECT's credit rating by Standard & Poor's is AA
 
Interest Rate
Ongoing fees and charges
Interest type
Age Eligibility
Statement Frequency
What can I link it to
Savings Maximiser
Apply Now 8.00%p.a.* promotional variable rate
7.00%p.a. standard variable rate 		Nil Standard Variable Rate 13+ Quarterly External bank account with an Australian Financial Institution
Personal Term Deposit
 Apply Now Interest rate that is current on the date the Term Deposit is opened
 Nil Fixed Rate 13+ Six monthly External bank account with an Australian Financial Institution or an existing Savings Maximiser account
Business Optimiser (DIY Super and Trust)
 Apply Now 7.00%p.a. standard variable rate Nil Standard Variable Rate 18+ (Authorised Users) Quarterly External bank account with an Australian Financial Institution

Information current as at June 30, 2008 and subject to change.

Important InformationImportant Information

If you’re a new customer, open a Savings Maximiser account from 23 June 2008 and receive a special promotional rate of 8.00% p.a. on the balance of your account until 30 September 2008.

If you’re an existing customer, everything above the balance of your Savings Maximiser as at 11.59pm on 24 April 2008 earned a special promotional rate of 7.90% p.a. interest from 9 May 2008 until 22 June 2008. On 23 June 2008 this special promotional interest rate increased from 7.90%pa to 8.00%pa variable. Everything below the balance of your Savings Maximiser as at 11.59pm on 24 April 2008 earns the standard Savings Maximiser variable interest rate applicable at the time. The special promotional interest rate ends on 30 September 2008.

As at Monday 23 June 2008, the promotional rate which will be applied is 8.00% p.a. variable interest. The promotional interest will be calculated daily and paid on the last day of each month from 23 June to 30 September 2008.From 1 October 2008, the interest rate that applies to all amounts in your account will be the standard Savings Maximiser variable interest rate at that time. The current standard Savings Maximiser rate is 7.00% p.a. variable interest. Interest rates are subject to change.

Savings Maximiser and Personal Term Deposits may only be opened in personal names. The interest rate that applies to ING DIRECT Term Deposits are the interest rates that are current on the date the Term Deposit is opened.

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 or your DIY Super Fund or Trust. Before making any decision in relation to any of our products you should read the appropriate terms and conditions booklet or product disclosure statement available under our Brochures & Forms page. To view these documents you may need Adobe Acrobat.