Interest Rates

I want a Savings account that gives me More!

Earning high interest rates is straight forward with ING DIRECT.

ING DIRECT Savings Maximiser interest rates

6.25% pa
    New Savings Maximiser customers will receive a variable welcome rate of 6.25% p.a. for 4 months from account opening, on balances up to $250,000. This rate is subject to change and after 4 months will revert to the Savings Maximiser standard variable rate applicable at the time, which is currently 4.90% p.a. Apply online now - offer for a limited time only.

ING DIRECT Personal Term Deposits interest rates

Personal Term Deposits offer a fixed rate of interest for the duration of the term and require a minimum opening deposit of $10,000. Rates are effective as at 3 September 2010 and are subject to change:

5
.50 %
p.a. 120 days
6
.20 %
p.a. 180 days
6
.40 %
p.a. 1 year
Term Interest rate
30 day rate 4.50% p.a.
90 day rate 5.40% p.a.
120 day rate 5.50% p.a.
180 day rate 6.20% p.a.
210 day rate 6.00% p.a.
270 day rate 6.00% p.a.
330 day rate 6.00% p.a.
1 year rate 6.40% p.a.
2 year rate 6.60% p.a.

The interest rates that apply to ING DIRECT Term Deposits are the interest rates that are current on the date the Term Deposit is opened.

A Loyalty Bonus will apply when you renew your Personal Term Deposit (for the same or a different term).

We also offer Business Term Deposits interest rates for your business or DIY Super Fund.

ING DIRECT Savings Accelerator interest rates

Effective 14 May 2010 and subject to change. Can only be opened in a personal name or names.

$150,000.00 and over 5.50% p.a. (this applies to your total balance, not just amounts $150,000 and over)
$50,000.00 - $149,999.99 5.25% p.a. (this applies to your total balance, not just amounts $50,000 and over)
$0.00 - $49,999.99 4.50% p.a.

The combined total deposits in all your Savings Accelerator account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).

DIY Super at call (ING DIRECT Business Optimiser) interest rates

BO 6.15% p.a.
    New Business Optimiser customers will receive a variable welcome rate of 6.15% p.a. for 6 months from account opening, on balances up to $1 million. This rate is subject to change and after 6 months will revert to the Business Optimiser standard variable rate applicable at the time, which is currently 4.90% p.a. Apply online now - offer for a limited time only.

DIY Super Term Deposits (ING DIRECT Business Term Deposit) interest rates

Business Term Deposits offer a fixed rate of interest for the duration of the term and require a minimum opening deposit of $10,000. Rates are effective 3 September 2010 and subject to change:

5
.50 %
p.a. 120 days
6
.20 %
p.a. 180 days
6
.40 %
p.a. 1 year
Term Interest rate
30 day rate 4.50% p.a.
90 day rate 5.40% p.a.
120 day rate 5.50% p.a.
180 day rate 6.20% p.a.
210 day rate 6.00% p.a.
270 day rate 6.00% p.a.
330 day rate 6.00% p.a.
1 year rate 6.40% p.a.
2 year rate 6.60% p.a.

A Loyalty Bonus will apply when you renew your Business Term Deposit (for the same or a different term).

Important InformationImportant Information

General

The advertised Savings Maximiser variable welcome rate is current as at 1 June 2010 and is subject to change. Variable welcome rate applies for 4 months from the date the Savings Maximiser is opened. At the end of the 4 month period, the rate that applies to your balance will be the Savings Maximiser standard variable rate applicable at the time. This offer is applicable on the first Savings Maximiser that you open (including joint accounts) and is for a limited time only.

The advertised Business Optimiser variable welcome rate is current as at 1 August 2010 and is subject to change. Variable welcome rate applies for 6 months from the date the Business Optimiser is opened. At the end of the 6 month period, the rate that applies to your balance will be the Business Optimiser standard variable rate applicable at the time. This offer is applicable on the first Business Optimiser opened per entity and is for a limited time only.

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 should read the appropriate terms and conditions document available under our Brochures & Forms page. To view these documents you may need Adobe Acrobat. The ING DIRECT savings products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823.