ING

As of 18 September 2026, ING has 10 products across five of the 8 pillars BankMate tracks: 3 savings accounts, 2 credit cards, 3 home loans, 1 term deposit and 1 personal loan. Its highest-placed product is Personal Term Deposits at 5.35% p.a. for 11 months, 18th of 590 12-month deposits. Its rates last moved on 16 September 2026.

Savings accounts· 3 Credit cards· 2 Home loans· 3 Term deposits· 1 Personal loans· 1

Pillars: 5 of 8; No superannuation, share trading, crypto exchange
Products tracked: 10; 3 savings accounts · 2 credit cards · 3 home loans
Highest placed: #18; Personal Term Deposits · of 590 12-month deposits
Last change: 16 Sept 2026; 6 changes on record

What changed

6 changes across 3 pillars since 1 Mar 2026

16 Sept 2026
Home loansFixed Rate Loan · 60 variants up 0.02 to 0.09
- 2yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.06 → 6.10
- 2yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.10 → 6.14
- 1yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.09 → 6.11
- 1yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.04 → 6.06
- 2yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.29 → 6.33
- 2yr Fixed · P&I · Investor · 71–80% LVR 6.26 → 6.30
- 1yr Fixed · P&I · Investor · 1–70% LVR 6.19 → 6.21
- 2yr Fixed · Interest Only · Investor · 71–80% LVR 6.26 → 6.30
- 3yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.17 → 6.22
- 1yr Fixed · P&I · Investor · 71–80% LVR 6.24 → 6.26
- 2yr Fixed · Interest Only · Investor · 1–70% LVR 6.22 → 6.26
- 2yr Fixed · P&I · Investor · 1–70% LVR 6.22 → 6.26
- 3yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.13 → 6.19
- 1yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.28 → 6.30
- 2yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.67 → 6.71
- 2yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.15 → 6.18
- 1yr Fixed · Interest Only · Investor · 1–70% LVR 6.20 → 6.22
- 3yr Fixed · P&I · Investor · 71–80% LVR 6.29 → 6.35
- 2yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.10 → 6.14
- 1yr Fixed · Interest Only · Investor · 71–80% LVR 6.24 → 6.26
- 3yr Fixed · P&I · Investor · 1–70% LVR 6.25 → 6.31
- 1yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.70 → 6.72
- 4yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.23 → 6.31
- 1yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.54
- 4yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.20 → 6.27
- 2yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.56
- 1yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.11 → 6.13
- 1yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.07 → 6.09
- 5yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.24 → 6.33
- 5yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.27 → 6.35
- 3yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.34 → 6.40
- 2yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.56
- 3yr Fixed · P&I · Investor · 81–90% LVR 6.53 → 6.59
- 3yr Fixed · Interest Only · Investor · 71–80% LVR 6.32 → 6.37
- 3yr Fixed · Interest Only · Investor · 1–70% LVR 6.28 → 6.34
- 1yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.54
- 5yr Fixed · P&I · Investor · 71–80% LVR 6.39 → 6.48
- 5yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.42 → 6.51
- 3yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.18 → 6.24
- 3yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.69 → 6.75
- 3yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.22 → 6.28
- 4yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.40 → 6.47
- 5yr Fixed · P&I · Investor · 1–70% LVR 6.37 → 6.46
- 4yr Fixed · P&I · Investor · 71–80% LVR 6.37 → 6.44
- 4yr Fixed · P&I · Investor · 1–70% LVR 6.33 → 6.41
- 3yr Fixed · Interest Only · Investor · 81–90% LVR 6.56 → 6.62
- 4yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.79
- 5yr Fixed · P&I · Investor · 81–90% LVR 6.61 → 6.70
- 5yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.81
- 4yr Fixed · P&I · Investor · 81–90% LVR 6.59 → 6.67
- 5yr Fixed · Interest Only · Investor · 1–70% LVR 6.42 → 6.51
- 5yr Fixed · Interest Only · Investor · 71–80% LVR 6.45 → 6.54
- 4yr Fixed · Interest Only · Investor · 1–70% LVR 6.38 → 6.45
- 4yr Fixed · Interest Only · Investor · 71–80% LVR 6.41 → 6.49
- 4yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.30 → 6.37
- 5yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.36 → 6.45
- 4yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.33 → 6.41
- 5yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.39 → 6.47
- 5yr Fixed · Interest Only · Investor · 81–90% LVR 6.67 → 6.75
- 4yr Fixed · Interest Only · Investor · 81–90% LVR 6.64 → 6.72
mixed
14 Sept 2026
Term depositsPersonal Term Deposits · 2 terms up 0.35 to 0.55
- 11-month 5.00 → 5.35
- 24-month 4.70 → 5.25
mixed
17 June 2026
Term depositsPersonal Term Deposits · 3 terms up 0.05 to 0.1542 days after the RBA rise to 4.35%
- 3-month 4.90 → 5.05
- 4-month 4.90 → 5.00
- 6-month 5.15 → 5.20
mixed
15 May 2026
Savings accounts2 accounts up 0.20 to 0.259 days after the RBA rise to 4.35%
- Savings Maximiser 5.25 → 5.50
- Savings Accelerator 4.60 → 4.80
mixed
1 May 2026
Savings accountsSavings Accelerator 2.75 → 4.60Base 2.75% → 2.50%, bonus 0.00% → 2.10% · 44 days after the RBA rise to 4.10%
+1.85
27 Mar 2026
Savings accounts2 accounts up 0.259 days after the RBA rise to 4.10%
- Savings Maximiser 5.00 → 5.25
- Savings Accelerator 2.50 → 2.75
+0.25

Savings accounts · 3

Total rate, conditions met · ranked among 94 accounts

Savings MaximiserSign-up bonus
$1k deposit a month · 5 card purchases · balance must grow · bonus up to $100k
5.50%#7 of 94
Savings Booster
Balance must grow · bonus up to $500k
5.40%#9 of 94
Savings Accelerator
Bonus up to $250k
4.80%#63 of 94

Full savings accounts record for ING →

Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for ING · Compare all savings accounts

Credit cards · 2

Ranked by bonus net of first-year fee · of 51 bonus cards

Cash back · 1

Orange One Rewards Platinum
$149 fee
—No bonus · $149 fee

No rewards · 1

Orange One Low Rate
$48 fee
—No bonus · $48 fee

Full credit cards record for ING →

Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report

Home loans · 3

Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate

Variable · 2

Mortgage Simplifier
Variable · P&I · Owner-occupier · 71–80% LVR · redraw · no ongoing fee · 20 variants
6.07%#10 of 107
Orange Advantage
Variable · P&I · Owner-occupier · 71–80% LVR · offset account · redraw · 20 variants
6.43%#53 of 107

Fixed · 1

Fixed Rate Loan
1yr Fixed · P&I · Owner-occupier · 1–70% LVR · no ongoing fee · 60 variants
1y 6.11%2y 6.14%3y 6.22%4y 6.31%5y 6.35%
6.06%#2 of 49

Full home loans record for ING →

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report

Term deposits · 1

Best rate per product, by term · ranked within each term

Personal Term Deposits
interest at maturity · from $0 · 8 terms
3 mo 5.05%6 mo 5.20%9 mo 5.10%1 yr 5.35%2 yr 5.25%
5.35%#18 of 590

Full term deposits record for ING →

Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits

Personal loans · 1

Comparison rate · ranked within unsecured or secured loans

ING Personal Loan
Unsecured · fixed · any purpose · $8/mo
7.03%#34 of 212

Full personal loans record for ING →

Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report

ING has no superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.

Notes on ING

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