Important info

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

Savings Maximiser

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

The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super, Personal Loans and Orange One),
- also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions), and
- ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or the ING mobile app. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.

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.

A minimum combined balance of $50,000 is required across any Business Optimiser and Business Term Deposit accounts held in your business entity's name.

Term Deposits

Applications for Business and Personal Term Deposits are subject to eligibility criteria for approved applicants only.

Minimum opening deposit of $10,000 for any Term Deposit Account. Additionally, for Business Term Deposits, there is a combined minimum balance requirement of $50,000 across any Business Term Deposit and Business Optimiser accounts in your business entity's name.

Maximum combined limits on Term Deposits - We may refuse an application for a term deposit where it would result in you exceeding the following limits:

- Personal Terms Deposits: The total combined balance of all Personal Term Deposit Accounts held by a person (individually or in joint names) cannot exceed $5million.
- Business Term Deposits: The total combined balance of all Business Term Deposits as held by the Australian-resident business or trust cannot exceed $10million.

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. Interest rate reduction will apply where you break the Term Deposit prior to the maturity date.

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

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

The information about Living Super was prepared on behalf of Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153, RSE L0000635, the Trustee of Living Super (fund), a sub-plan of OneSuper ABN 43 905 581 638 and the issuer of interests in the Fund. Living Super is a product issued out of the Fund. Insurance cover offered by the Fund is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096. The Unique Superannuation Identifier (USI) for Living Super is 43 905 581 638 019.

ING is a business name of ING Bank (Australia) Limited (ABN 24 000 893 292, AFSL 229823, Australian Credit Licence 229823) and is the sponsor of the fund. An investment in the fund is neither a deposit nor liability of ING or any of its related entities and none of them stands behind or guarantees the fund.

The information on this webpage is general in nature only, and does not take into account your client's objectives, financial situation or needs. You should consider your clients personal circumstances, the appropriateness of the product and read the Product Disclosure Statement, Product Guide, Target Market Determination and Financial Services Guide available at ing.com.au/documents before making any decision to acquire, or continue to hold the product.

The performance information represents the historical performance of the managed investment options available within Living Super. The Total Return percentages are calculated by measuring the percentage change in the sell price for each managed investment option over the relevant time period up to one year. Returns for periods greater than one year are annualised. The performance calculation is net of investment fees and taxes that are accrued in the calculation of the unit prices, but does not include any fees and taxes that are charged directly to your account.

SuperRatings comparisons are based on data for the relevant asset class. Whilst these categories are the nearest equivalents for comparison purposes, the underlying investments won't be exactly like for like. For more information, see the latest Member Outcomes Assessment here. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

Buy/sell spreads and other incidental transaction costs apply to all managed investment options. 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. Other factors may also cause the fee structure for Living Super to change. Should this occur, the Trustee may increase fees for Living Super without your consent by giving 30 days' notice.

The Living Super Term Deposits offer a fixed rate of interest for the duration of the term (3 month, 6 month, 1 year or 2 year periods) and each require a minimum opening amount of $1,000. The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension accounts. If you wish to close your Living Super Term Deposit before the scheduled maturity date, you must provide the trustee with 31 days' notice and an interest rate reduction will be applied. Interest will be calculated from the date the Term Deposit was opened to the date the Living Super Term Deposit is closed (inclusive of the 31 day notice period), less any applicable interest rate reduction. Please refer to the PDS and Product Guide for more information on the Living Super Term Deposits, conditions and limits, application of the notice period and Break Costs.