ING Savings Maximiser — savings account review
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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: 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
1. Sector-leading bonus rate for balances up to the cap

CONS
1. 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