# ING Savings Maximiser — savings account review

> Reviewed by **Norg Editorial Team**
> Editorial Team, Norg Reviews
> Last reviewed: 2026-05-14T04:48:34.276Z
> Methodology: AussieBanks Review — Savings Methodology (v1.0.0)

## Company Overview
- Website: https://www.ing.com.au/savings/savings-maximiser.html
- ABN: 24000893292
- Founded: 1999
- Regulator licence: AFSL 229823
- Vertical: au-banks

## Overall Rating: 4.6 / 5

Based on 0 detailed reviewer perspectives.

Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.

## Pros
- Sector-leading bonus rate for balances up to the cap

## Cons
- Bonus rate forfeited if any single monthly condition is missed

## Key Takeaways
### 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.

## Detailed Reviews