Savings Products

Compare our Savings Accounts

All our savings accounts offer you:

  • No ING DIRECT Fees, no hidden catches!
  • 24/7 easy access to your savings account, online or via phone.
  • Combined balances up to $250,000 per customer are guaranteed by the Australian Government.
Can we help? - Call us on 1800 133 464 24 hours, 7 days a week
Deposits Guaranteed by the Australian Government - Read more

Choose 2 accounts to compare:

Show selected accounts Print to compare all savings accounts
Savings MaximiserSavings Maximiser Savings AcceleratorSavings Accelerator Personal Term DepositPersonal Term Deposit DIY Super CashDIY Super Cash DIY Super Term DepositDIY Super Term Deposit
Apply online Find out more Apply online Find out more Apply online Find out more Apply online Find out more Apply online Find out more
Interest rates 5.60%p.a. variable welcome rate

For new Savings Maximiser customers for 4 months from account opening on balances up to $250,000. Welcome rate subject to change.

 3.75%p.a. $0.00 - $49,999.99 4.50%p.a. $50,000.00 - $149,999.99 4.75%p.a. $150,000.00 and over 5.10% p.a. 120 day term 5.40% p.a. 210 day term 5.00% p.a. 1 year term More Terms
30 day3.75% p.a.
90 day 5.10% p.a.
120 day 5.10% p.a.
180 day5.30% p.a.
210 day 5.40% p.a.
270 day 5.30% p.a.
330 day 5.00% p.a.
1 year5.00% p.a.
2 year5.00% p.a.
 5.50%p.a. variable welcome rate

New Business Optimiser customers will receive a variable welcome rate, currently 5.50% p.a. for 6 months from account opening on balances up to $1 million. Welcome rate subject to change.

 5.10% p.a. 120 day term 5.40% p.a. 210 day term 5.00% p.a. 1 year term More Terms
30 day 3.75% p.a.
90 day 5.10% p.a.
120 day 5.10% p.a.
180 day 5.30% p.a.
210 day 5.40% p.a.
270 day 5.30% p.a.
330 day 5.00% p.a.
1 year 5.00% p.a.
2 year 5.00% p.a.
Special features Apply online Find out more
  • Earn high interest on your entire balance
  • Deposit/Withdraw money from a linked external account or an Orange Everyday for easy access
 Apply online Find out more
  • With balances of $50,000 and over, earn a very rewarding rate on your entire balance
  • Deposit /Withdraw money from a linked external account or an Orange Everyday for easy access
 Apply online Find out more
  • Guarantee returns with your choice of terms
  • Helps to avoid temptation to spend
  • A Loyalty Bonus will apply when you renew your Personal Term Deposit (for the same or a different term).
 Apply online Find out more
  • Earn high interest for your SMSF cash on your entire balance
  • Deposit /Withdraw money from a linked external account for easy access
 Apply online Find out more
  • Guarantee returns for your SMSF cash with your choice of terms
  • Helps to avoid temptation to spend
  • A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).
Minimum deposit?
  • Nil
  • Nil
  • $10,000
  • Nil
  • $10,000
ING DIRECT Fees and charges?
  • Nil
  • Nil
  • Nil
  • Nil
  • Nil
Interest
  • Calculated daily, paid monthly
  • Calculated daily, paid monthly
  • Paid at maturity
  • Calculated daily, paid monthly
  • Paid at maturity
Withdrawals and Deposits
  • Yes
  • Yes
  • Top up at maturity
  • Yes
  • Top up at maturity
Government Guaranteed
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
Access
  • 24/7 online, mobile, or via phone
  • 24/7 online, mobile, or via phone
  • 24/7 online, mobile, or via phone
  • 24/7 online, mobile, or via phone
  • 24/7 online, mobile, or via phone
Who can apply?
  • Australian residents for taxation purposes 13 years or older.
  • Australian residents for taxation purposes 13 years or older.
  • Australian residents for taxation purposes 13 years or older.
  • Business registered in Australia, with an Australian registered address.
  • Business registered in Australia, with an Australian registered address.

Important InformationImportant Information

Information and 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.

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.

The combined total deposits in all your Savings Accelerator account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).

The advertised Business Optimiser variable welcome rate applies for 6 months from the date the Business Optimiser is opened on balances up to $1 million and is subject to change. 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. The offer is applicable on the first Business Optimiser opened per entity and is for a limited time only.

Combined balances up to $250,000 per customer are guaranteed by the Australian Government.

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. Savings products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823.