Home News ING lowers savings maximiser rate to 1.65%

ING lowers savings maximiser rate to 1.65%

In an email to customers, today ING announced it is lowering its Savings Maximiser rate to 1.65% p.a. from tomorrow, 30 July.

By Harrison Astbury

First published on 29 Jul 2020

ING lowers savings maximiser rate to 1.65%

Source: ING

The rate consists of a 0.10% standard variable rate, which has stayed the same, while the bonus interest rate has been lowered by 15 basis points down to 1.55% p.a.

To get the bonus interest rate each month, customers must deposit at least $1,000 from an external bank account every month into any linked personal ING account in their name, and also make five or more card purchases with a linked ING account (settled, not pending).

ING cited "changing market conditions while maintaining our customers' needs" as reasons for the cut.

Need somewhere to store cash and earn interest? The table below features introductory savings accounts with some of the highest interest rates on the market.

Deposit amount

Compare

Provider	Base interest rate	Max interest rate	Total interest earned	Introductory Term	Minimum Amount	Maximum Amount	Account Keeping Fees	Min. Monthly Deposit	Min. Opening Deposit	Linked account required	ATM Access	EFTPOS Facility	as ofJanuary 25, 2025

	Bonus rate of 4.95%Rate varies on savings amount. 0.55^%_p.a.	5.50^%_p.a.	^$556		^$0	^$99,999	0	1000	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
FEATURED	Savings Maximiser Deposit at least $1,000+ each month from an external source Make 5 or more eligible transactions. Grow your savings balance each month
Disclosure
FEATURED Savings Maximiser Deposit at least $1,000+ each month from an external source Make 5 or more eligible transactions. Grow your savings balance each month More details Disclosure
	4.35^%_p.a.	Intro rate for 4 monthsthen 4.35% p.a. 5.60^%_p.a.	^$521	4	^$0	^$249,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
FEATURED	High Interest Savings Account (<$250k) Bonus rate for the first 4 months from account opening No account keeping fees No minimum balance
Disclosure
FEATURED High Interest Savings Account (<$250k) Bonus rate for the first 4 months from account opening No account keeping fees No minimum balance More details Disclosure
	Bonus rate of 5.50%Rate varies on savings amount. –	5.50^%_p.a.	^$556		^$0	^$99,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
FEATUREDUse code EASY30 to score $30*	Save Account Use code EASY30 to score $30 after 5 card purchases in your first 30 days. See terms link on the app store* Retrace your spending steps into categories with Spending Footprint. No monthly or international fees on any of your transactions.
Disclosure
FEATUREDUse code EASY30 to score $30* Save Account Use code EASY30 to score $30 after 5 card purchases in your first 30 days. See terms link on the app store* Retrace your spending steps into categories with Spending Footprint. No monthly or international fees on any of your transactions. More details Disclosure
	5.00^%_p.a.	Intro rate for 4 monthsthen 5.00% p.a. 5.35^%_p.a.	^$526	4	^$0	^$249,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Savings Account
Savings Account More details
	4.70^%_p.a.	Intro rate for 4 monthsthen 4.70% p.a. 5.40^%_p.a.	^$519	4	^$250,000	^$99,999,999		0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Savings Accelerator Special offer: Savings Accelerator (Kick Starter offer). For a limited time, new ING customers can get a bonus 0.70% p.a. on their savings rate on balances of $150,000 up to $500,000 for the first 4 months. T&Cs apply. If your balance is over $500,000 (but less than $5 million) you will earn the ongoing variable rate of 4.7%
Disclosure
Savings Accelerator Special offer: Savings Accelerator (Kick Starter offer). For a limited time, new ING customers can get a bonus 0.70% p.a. on their savings rate on balances of $150,000 up to $500,000 for the first 4 months. T&Cs apply. If your balance is over $500,000 (but less than $5 million) you will earn the ongoing variable rate of 4.7% More details Disclosure
	Bonus rate of 3.90%Rate varies on savings amount. 1.45^%_p.a.	5.35^%_p.a.	^$541		^$0	^$249,999	0	200	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Online Savings - Premium Saver
Disclosure
Online Savings - Premium Saver More details Disclosure
	Bonus rate of 4.70%Rate varies on savings amount. 0.55^%_p.a.	5.25^%_p.a.	^$531		^$0	^$99,999	0	2000	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	HomeME Savings Account (<$100k)
HomeME Savings Account (<$100k) More details
	Bonus rate of 5.40%Rate varies on savings amount. 0.10^%_p.a.	5.50^%_p.a.	^$556		^$0	^$49,999	0	200	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Growth Saver
Growth Saver More details
	Bonus rate of 5.30%Rate varies on savings amount. 0.05^%_p.a.	5.35^%_p.a.	^$541		^$0	^$249,999	0	1000		$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Virgin Money Boost Saver
Virgin Money Boost Saver More details
	Bonus rate of 5.00%Rate varies on savings amount. 0.10^%_p.a.	5.10^%_p.a.	^$515		^$0	^$99,999	0	100	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver Account
Bonus Saver Account More details
	Bonus rate of 5.24%Rate varies on savings amount. 0.01^%_p.a.	5.25^%_p.a.	^$531		^$0	^$99,999	0	100	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver
Bonus Saver More details
	Bonus rate of 5.00%Rate varies on savings amount. 0.10^%_p.a.	5.10^%_p.a.	^$515		^$0	^$49,999	0	10	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	mySaver
mySaver More details
	4.85^%_p.a.	5.35^%_p.a.	^$490		^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Simple Saver
Simple Saver More details
	1.50^%_p.a.	Intro rate for 4 monthsthen 1.50% p.a. 5.25^%_p.a.	^$402	4	^$0	^$99,999,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Netsave Account
Netsave Account More details
	1.00^%_p.a.	Intro rate for 3 monthsthen 1.00% p.a. 5.20^%_p.a.	^$311	3	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Online Savings Account
Online Savings Account More details
	Bonus rate of 0.00%Rate varies on savings amount. 3.00^%_p.a.	Intro rate for 3 monthsthen 3.00% p.a. 5.15^%_p.a.	^$409	3	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	HSBC Everyday Savings Account
HSBC Everyday Savings Account More details
	Bonus rate of 3.30%Rate varies on savings amount. 1.85^%_p.a.	5.25^%_p.a.	^$521		^$0	^$249,999	0	50	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Incentive Saver Account
Incentive Saver Account More details
	4.00^%_p.a.	Intro rate for 4 monthsthen 4.00% p.a. 5.35^%_p.a.	^$493	4	^$0	^$249,999	0	0	0.01	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bankwest Easy Saver
Bankwest Easy Saver More details
	Bonus rate of 3.20%Rate varies on savings amount. 1.85^%_p.a.	5.15^%_p.a.	^$510		^$0	^$249,999	0	50	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Incentive Saver Account
Incentive Saver Account More details
	Bonus rate of 4.70%Rate varies on savings amount. 0.35^%_p.a.	5.05^%_p.a.	^$510		^$0	^$99,999,999	0	200	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Growth Saver Account
Growth Saver Account More details
	Bonus rate of 4.00%Rate varies on savings amount. 1.00^%_p.a.	5.00^%_p.a.	^$505		^$0	^$99,999,999	0	50	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Save up
Save up More details
	0.50^%_p.a.	Intro rate for 4 monthsthen 0.50% p.a. 5.00^%_p.a.	^$352	4	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver
Bonus Saver More details
	Bonus rate of 4.95%Rate varies on savings amount. 0.05^%_p.a.	5.00^%_p.a.	^$505		^$0	^$249,999	0	20	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	MyState Bank Bonus Saver Account
MyState Bank Bonus Saver Account More details
	0.50^%_p.a.	Intro rate for 4 monthsthen 0.50% p.a. 5.00^%_p.a.	^$352	4	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Hi Saver
Hi Saver More details
	5.00^%_p.a.	5.00^%_p.a.	^$505		^$0	^$19,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Mighty Saver
Mighty Saver More details
	Bonus rate of 4.90%Rate varies on savings amount. 0.10^%_p.a.	5.00^%_p.a.	^$505		^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Max eSaver
Max eSaver More details
	Bonus rate of 0.15%Rate varies on savings amount. 1.10^%_p.a.	Intro rate for 3 monthsthen 1.25% p.a. 5.15^%_p.a.	^$321	3	^$0	^$99,999,999	0	0	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Maxi Saver
Maxi Saver More details
	Bonus rate of 3.15%Rate varies on savings amount. 1.85^%_p.a.	5.00^%_p.a.	^$505		^$0	^$99,999,999	0	0.01	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Life
Life More details
	Bonus rate of 4.90%Rate varies on savings amount. 0.10^%_p.a.	5.00^%_p.a.	^$505		^$0	^$499,999	0	200	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver
Bonus Saver More details
	Bonus rate of 4.94%Rate varies on savings amount. 0.01^%_p.a.	4.95^%_p.a.	^$500		^$0	^$99,999,999	0	200		$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver Account
Bonus Saver Account More details
	Bonus rate of 4.50%Rate varies on savings amount. 0.40^%_p.a.	4.90^%_p.a.	^$495		^$0	^$99,999,999	0	0.01	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	GoalSaver Account
GoalSaver Account More details
	0.50^%_p.a.	0.50^%_p.a.	^$50		^$0	^$99,999,999				$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	ANZ Save
ANZ Save More details
	3.45^%_p.a.	Intro rate for 4 monthsthen 3.45% p.a. 4.90^%_p.a.	^$444	4	^$0	^$99,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Online Saver
Online Saver More details
	Bonus rate of 4.65%Rate varies on savings amount. 0.10^%_p.a.	4.75^%_p.a.	^$480		^$50,000	^$499,999	0	10	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	mySaver
mySaver More details
	Bonus rate of 4.65%Rate varies on savings amount. 0.10^%_p.a.	4.75^%_p.a.	^$480		^$100,000	^$249,999	0	100	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver Account
Bonus Saver Account More details
	Bonus rate of 4.64%Rate varies on savings amount. 0.01^%_p.a.	4.65^%_p.a.	^$470		^$0	^$249,999	0	50	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Purple Bonus Saver
Purple Bonus Saver More details
	Bonus rate of 4.55%Rate varies on savings amount. 0.10^%_p.a.	4.65^%_p.a.	^$470		^$0	^$99,999,999	6	100	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver Account
Bonus Saver Account More details
	Bonus rate of 4.45%Rate varies on savings amount. 0.05^%_p.a.	4.50^%_p.a.	^$454		^$0	^$249,999	0	10	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	SwiftSaver Account (bonus interest paid on balances up to $250k)
SwiftSaver Account (bonus interest paid on balances up to $250k) More details
	Bonus rate of 4.70%Rate varies on savings amount. 0.05^%_p.a.	4.75^%_p.a.	^$480		^$0	^$99,999,999	0	100	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver
Bonus Saver More details
	Bonus rate of 4.44%Rate varies on savings amount. 0.01^%_p.a.	4.45^%_p.a.	^$449		^$0	^$249,999	50	50	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver
Bonus Saver More details
	4.45^%_p.a.	4.45^%_p.a.	^$449		^$500,000	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Qsaver
Qsaver More details
	Bonus rate of 4.20%Rate varies on savings amount. 1.00^%_p.a.	5.20^%_p.a.	^$526		^$0	^$99,999,999	0	1000	0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	AMP Saver Account
AMP Saver Account More details
	Bonus rate of 4.39%Rate varies on savings amount. 0.01^%_p.a.	4.40^%_p.a.	^$444		^$0	^$99,999,999	0	1	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Target Bonus
Target Bonus More details
	4.40^%_p.a.	4.40^%_p.a.	^$444		^$100,000	^$99,999,999	0		0	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Pension Plus
Pension Plus More details
	Bonus rate of 4.35%Rate varies on savings amount. –	4.35^%_p.a.	^$439		^$0	^$99,999,999	0	0	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Up Saver Account
Up Saver Account More details
	Bonus rate of 4.20%Rate varies on savings amount. 0.10^%_p.a.	4.30^%_p.a.	^$434		^$250,000	^$499,999	0	100	1	$product[$field["value"]]	$product[$field["value"]]	$product[$field["value"]]	More details
	Bonus Saver Account
Bonus Saver Account More details

High Interest Savings Account (<$250k)

Product Features

Bonus rate for the first 4 months from account opening
No account keeping fees
No minimum balance

Total interest earned$521

4.35 % Base interest rate

5.60 % Max interest rate

Intro rate for

then

4.35%

More details

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ING is just one of the many banks to slash interest rates for savers in many months, with the highest 'ongoing' rates now hovering around the 1.80% p.a. mark.

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In May 2019, the ING total interest rate was as high as 2.80% p.a.

Harrison Astbury

Harrison is Savings.com.au's Assistant Editor, and also Editor & Research Analyst of sister comparison site InfoChoice.com.au. He is also the co-host of the Savings Tip Jar podcast alongside Dominic Beattie. Prior to joining the group in 2020, Harrison has since 2015 been lending his expertise to other publications in mining, financial comparison, and traditional newspaper media.

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ING lowers savings maximiser rate to 1.65%

Savings Maximiser

Savings Maximiser

High Interest Savings Account (<$250k)

High Interest Savings Account (<$250k)

Save Account

Save Account

Savings Account

Savings Account

Savings Accelerator

Savings Accelerator

Online Savings - Premium Saver

Online Savings - Premium Saver

HomeME Savings Account (<$100k)

HomeME Savings Account (<$100k)

Growth Saver

Growth Saver

Virgin Money Boost Saver

Virgin Money Boost Saver

Bonus Saver Account

Bonus Saver Account

Bonus Saver

Bonus Saver

mySaver

mySaver

Simple Saver

Simple Saver

Netsave Account

Netsave Account

Online Savings Account

Online Savings Account

HSBC Everyday Savings Account

HSBC Everyday Savings Account

Incentive Saver Account

Incentive Saver Account

Bankwest Easy Saver

Bankwest Easy Saver

Incentive Saver Account

Incentive Saver Account

Growth Saver Account

Growth Saver Account

Save up

Save up

Bonus Saver

Bonus Saver

MyState Bank Bonus Saver Account

MyState Bank Bonus Saver Account

Hi Saver

Hi Saver

Mighty Saver

Mighty Saver

Max eSaver

Max eSaver

Maxi Saver

Maxi Saver

Life

Life

Bonus Saver

Bonus Saver

Bonus Saver Account

Bonus Saver Account

GoalSaver Account

GoalSaver Account

ANZ Save

ANZ Save

Online Saver

Online Saver

mySaver

mySaver

Bonus Saver Account

Bonus Saver Account

Purple Bonus Saver

Purple Bonus Saver

Bonus Saver Account

Bonus Saver Account

SwiftSaver Account (bonus interest paid on balances up to $250k)

SwiftSaver Account (bonus interest paid on balances up to $250k)

Bonus Saver

Bonus Saver

Bonus Saver