ING Savings Maximiser — Interest Rate & Review
The Savings Maximiser is Australia's most popular bonus saver. You earn the maximum rate each month by meeting three conditions, on balances up to $100,000.
⚠ You only earn 5.49% in months you meet the conditions. Miss them and you drop to 0.01%. Use the calculator to model your real return.
ING Savings Maximiser at a glance
The conditions, in plain English
When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000.
ING, est. 1999 (Australia). Data source: ING Consumer Data Right product feed.
How it compares
| # | Bank & product | Max rate p.a. | Base rate | Conditions | Bonus cap | Fee |
|---|---|---|---|---|---|---|
| 1 |  RabobankRabobank High Interest Savings Account |
5.90%Introductory | 4.00% | Intro rate | $250,000 | No fee |
| 2 |  ubankubank Save |
5.85%Introductory | — | Intro rate | $100,000 | No fee |
| 3 |  MacquarieMacquarie Savings Account |
5.35%Introductory | 5.00% | Intro rate | $250,000 | No fee |
| 4 |  UpUp Saver |
5.35%Ongoing (unconditional) | 5.35% | No monthly conditions | $5,000 | No fee |
| 5 |  ANZ PlusANZ Plus Flex Saver |
5.10%Ongoing (unconditional) | 5.10% | No monthly conditions | $5,000 | No fee |
Sorted by maximum advertised rate (an objective sort, not a recommendation). “Max rate” is the highest rate the product can pay; most require monthly conditions or are introductory. Base rate is what you earn if conditions aren’t met / after the intro period. Figures from Open Banking feeds, 24 August 2026 — verify with the bank.
See the full savings account comparison →
ING savings — FAQ
What is the ING Savings Maximiser interest rate?
As of 24 August 2026, the ING Savings Maximiser pays a maximum of 5.49% p.a. (bonus (conditional)), with a base rate of 0.01%. Rates change with the RBA cash rate and out of cycle — confirm the current rate with the bank.
How do I earn the maximum ING rate?
When the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. Available on one account for balances up to $100,000.
Is there a balance cap on the ING bonus rate?
No specific bonus balance cap was published in the bank’s Open Banking feed — check the terms.