{
  "_id": "review.ing-savings-maximiser",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "Bonus rate forfeited if any single monthly condition is missed"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "24000893292",
    "bankingDetails": {
      "afslLicence": "AFSL 229823",
      "bonusRate": 5.4,
      "features": [
        "No monthly fees",
        "Bonus rate when deposit + 5 settled transactions per month"
      ],
      "minimumDeposit": 0,
      "monthlyFee": 0,
      "productType": "savings"
    },
    "foundedYear": 1999,
    "name": "ING Savings Maximiser",
    "regulator": "AFSL 229823",
    "slug": {
      "_type": "slug",
      "current": "ing-savings-maximiser"
    },
    "vertical": "au-banks",
    "website": "https://www.ing.com.au/savings/savings-maximiser.html"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "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.",
      "heading": "Headline bonus rate consistently competitive"
    },
    {
      "body": "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.",
      "heading": "Strict monthly conditions"
    },
    {
      "body": "ING has no physical branches in Australia. Suits customers comfortable with app-first banking and willing to use partner ATMs.",
      "heading": "Digital-only — no branch network"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Savings Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.6,
  "pros": [
    "Sector-leading bonus rate for balances up to the cap"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "ing-savings-maximiser"
  },
  "status": "published",
  "title": "ING Savings Maximiser — savings account review"
}