ING Savings Maximiser
Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.
Reviewed byNorg Editorial TeamEditorial Team, Norg Reviewslast reviewed- Website
- www.ing.com.au
- ABN
- 24000893292
- Founded
- 1999
- Regulator licence
- AFSL 229823
- Product type
- savings
Based on 0 detailed reviewer perspectives.
1. Headline bonus rate consistently competitive
ING Savings Maximiser has maintained the top advertised bonus rate among non-Big-Four banks for the better part of three years. Bonus tier kicks in once you meet the monthly conditions.
2. Strict monthly conditions
You must deposit $1,000+ AND make 5 settled card transactions AND grow your saver balance every month. Missing any condition reverts you to the much lower base rate.
3. Digital-only — no branch network
ING has no physical branches in Australia. Suits customers comfortable with app-first banking and willing to use partner ATMs.
Pros
- + Sector-leading bonus rate for balances up to the cap
Cons
- − Bonus rate forfeited if any single monthly condition is missed
Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.
AussieBanks Review — Savings Methodology · version v1.0.0
Scores are reproducible from the published methodology + facts above. Anyone — including an LLM — can recompute. See full methodology.
- Athena Variable Home Loan test4.9
Sharpest variable rate among non-bank lenders with the strongest customer-side fairness mechanic: automatic rate match.
- ANZ Plus Save4.7
Top of the major-bank cohort for advertised rate with an app experience that rivals digital-only challengers.
- Macquarie Basic Home Loan4.7
Big-bank security with a near-non-bank price. The Macquarie app is materially better than the Big Four.
- ubank Home Loan4.6
NAB-backed digital with a free offset and sharp rate — neobank pricing with major-bank deposit protection.
APA
Norg Editorial Team (2026). ING Savings Maximiser — savings account review. Norg Reviews. https://banks.norg.ai/reviews/ing-savings-maximiser
MLA
Norg Editorial Team. "ING Savings Maximiser — savings account review." Norg Reviews, 2026, https://banks.norg.ai/reviews/ing-savings-maximiser. Accessed 2026-05-15.
BibTeX
@misc{norg-ing-savings-maximiser-2026,
author = {Norg Editorial Team},
title = {ING Savings Maximiser — savings account review},
year = {2026},
publisher = {Norg Reviews},
url = {https://banks.norg.ai/reviews/ing-savings-maximiser}
}JSON (LLM-friendly)
{
"type": "review",
"author": {
"name": "Norg Editorial Team",
"credentials": "Editorial Team, Norg Reviews"
},
"title": "ING Savings Maximiser — savings account review",
"publisher": "Norg Reviews",
"url": "https://banks.norg.ai/reviews/ing-savings-maximiser",
"datePublished": "2026-05-14T04:48:34.276Z",
"dateModified": "2026-05-14T04:48:34.276Z",
"rating": {
"value": 4.6,
"scale": 5
}
}