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Savings, business and superannuation interest rates

Savings Maximiser Interest Rate
Highest variable rate
For customers who also have an Orange Everyday bank account and deposit their pay of $1,000 or more per month and make 5+ card purchases that are settled (and not at a 'pending status') each month. Available on one account for balances up to $100,000.
2.80% p.a.

(incl. 1.80% p.a. additional variable rate)
Standard variable rate 1.00% p.a.
Savings Accelerator Interest Rate
$150,000 and over
Applies to your total balance, not just amounts $150,000 and over.
2.20% p.a.
$50,000 - $149,999.99
Applies to your total balance, not just amounts $50,000 and over.
1.75% p.a.
$0 - $49,999.99
Applies to your total balance.
1.00% p.a.
Personal Term Deposit Interest Rate
90 day rate % p.a.
120 day rate % p.a.
180 day rate % p.a.
210 day rate % p.a.
270 day rate % p.a.
330 day rate % p.a.
1 year rate % p.a.
2 year rate % p.a.
Loyalty bonus
If you roll over your Personal Term Deposit (for the same or a different term) and you hold all of your funds in your new Personal Term Deposit until the maturity date, you will be rewarded with a loyalty bonus - a non-cumulative add-on to the standard Personal Term Deposit interest rate applicable at roll over.
% p.a.
Business Optimiser Interest Rate
Variable welcome rate
For 6 months from account opening for new customers on balances up to $1 million. Rate is subject to change during the 6 months.
% p.a.
Standard variable rate % p.a.
Business Term Deposit Interest Rate
90 day rate % p.a.
120 day rate % p.a.
180 day rate % p.a.
210 day rate % p.a.
270 day rate % p.a.
330 day rate % p.a.
1 year rate % p.a.
2 year rate % p.a.
Loyalty bonus
If you roll over your Business Term Deposit (for the same or a different term) and you hold all of your funds in your new Business Term Deposit until the maturity date, you will be rewarded with a loyalty bonus - a non-cumulative add-on to the standard Business Term Deposit interest rate applicable at roll over.
% p.a.
Living Super Interest Rate
Cash Hub
The Cash Hub must hold a minimum of $500 or 1% of your account balance (whichever is greater and capped at $10,000), plus an additional amount equal to the insurance premiums and pension payments (if applicable) due to be paid in the following two months.
% p.a.
Cash Option
Interest accrued on the cash option is reflected in the unit price.
% p.a.
Term Deposits
Living Super Term Deposits offer a fixed rate of interest for the duration of the term and each require a minimum opening amount of $1,000. If you wish to close your Living Super Term Deposit before the maturity date, you must provide us with 31 days notice. The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension account.
3 months % p.a.
6 months % p.a.
1 year % p.a.
2 years % p.a.

Important info

Information and interest rates are current as at the date of publication and are subject to change.

Savings Maximiser

The additional variable rate can only apply when your client also has an Orange Everyday. The additional variable rate currently 1.80% p.a. (that is added to the Savings Maximiser standard variable rate, currently 1.00% p.a.) applies on one Savings Maximiser per customer for the next calendar month when your client performs the following during the current calendar month:

- deposits at least $1,000 from an external bank account to any personal ING account in your client's name (excluding Living Super and Orange One), and

- also makes at least 5 card purchases that are settled (and not at a 'pending status') using their ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if your client is eligible under the offer, we also take into account the behaviour of any of your client's joint account holders or additional cardholders. The offer applies to a maximum of one nominated Savings Maximiser account held in your client's name (either single or joint account).

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If your client does not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. If your client has multiple Savings Maximiser accounts, visit online banking or call us on 133 464 to check or change which Savings Maximiser account receives the additional variable rate (if eligible). ING can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate. This offer may be changed or withdrawn at any time at ING's sole discretion.

Business Optimiser

A variable welcome rate (which is subject to change) applies for 6 months from the date the Business Optimiser is opened on balances up to $1 million. At the end of the 6 month period, the interest rate that applies to your balance will be the Business Optimiser standard variable rate applicable at the time. The offer is applicable on the first Business Optimiser opened per entity and is for a limited time only.

Term Deposits

Business and Personal Term Deposits require a minimum opening deposit of $10,000. The interest rates that apply to Business and Personal Term Deposits are the interest rates that are current on the date the term deposit is opened. A loyalty bonus rate of 0.10% p.a. is added to the interest rate of the Business or Personal Term Deposit applicable at roll over, but only if your client holds their funds until the maturity date of your client's new Business or Personal Term Deposit. The loyalty bonus is not cumulative.

To change your clients maturity options, please call 1300 656 226 at least one business day prior to the maturity date. Our Support Team is available Monday to Friday, 8.30am to 6.00pm (EST). If rolled over, a seven-day grace period, starting from the maturity date, will apply, allowing your client to change the amount of funds in the new Term Deposit, change the term or close the Term Deposit. NOTE: Closing a Term Deposit outside the grace period and prior to the maturity date will require your client to provide us with at least 31 days notice (except in the case of hardship). Please note, to be able to update your client's maturity instructions, ensure the relevant section of the Adviser Authorisation Form is completed.

Living Super

The Unique Superannuation Identifier (USI) for ING Living Super is 13 355 603 448 001

Information & interest rates are current as at the date of publication and are subject to change.

Interest rates shown for Living Super are gross of earnings tax - 15% earnings tax applies for super and TTR accounts and 0% earnings tax currently applies for Pension accounts.

Buy/Sell spreads and other incidental transaction costs apply to all managed investment options, including the Balanced option. Buy/Sell spreads and other transaction costs are retained within the managed investment and are not fees paid to ING or the Trustee. The Trustee may replace one or more of the underlying investment managers which may affect the fee structure for the investment options. The Trustee may vary the fees for ING Living Super without your consent by giving 30 days notice.


Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you, and your clients, should read the relevant Terms and Conditions booklet or Product Disclosure Statement and Financial Services Guide available at our website or by calling 1300 656 226 and consider the product's appropriateness. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153. ING is the Promoter of the Fund. Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153, RSE L0000635 is the Trustee of the ING Superannuation Fund ABN 13 355 603 448 (Fund) and the issuer of interests in the Fund. ING Living Super is a product issued out of the Fund. ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823, is the Promoter of the Fund and issuer of this document. Other products are issued by ING Bank (Australia) Limited.

Contact us

Adviser services team

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