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Savings · Side by side
ING Savings Maximiser vs Macquarie Savings Account
vs
Interest a year on $50,000, with the conditions met
$2,875
5.75% on this balance
$2,625
5.25% on this balance
ING Savings Maximiser pays $250 more a year on $50,000 than Macquarie Savings Account.
Drag to try another balance
INGSavings Maximiser
MacquarieMacquarie Savings Account
Figure by figure
Interest a year with the conditions missed
on $50,000
$5
at the base rate
$2,625
No conditions to miss
+$2,620 · More with the conditions missed
Total rate
base plus bonus
5.75%
+0.50 · Higher total rate
5.25%
from 15 Oct · 5.00% until then
Base rate
paid whatever you do
0.01%
5.25%
from 15 Oct
+5.24 · Higher base rate
Bonus rate
5.74%
with the conditions met
+5.74 · Higher bonus rate
None
one rate, nothing to do
Top rate paid up to
$100k
$250k
+$150k · Covers more of a balance
What the bonus asks each month
- 1A deposit of at least $1,000
- 25 card purchases
- 3A balance that ends the month higher than it started
Nothing
Who can open it
Anyone 18 or over
Anyone 12 or over
Minimum balance
None
None
Sign-up bonus
None
Rank by total rate
among the accounts we track
4th of 152
42nd of 152
Last rate change
9 Oct 2026
up 0.25
22 May 2026
up 0.25
Rates over time
Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.
As of 12 October 2026, ING Savings Maximiser pays 5.75% with its monthly conditions met, and Macquarie Savings Account pays 5.25% with nothing to do each month. On $50,000, that's $2,875 against $2,625 a year, $250 more from ING Savings Maximiser. Figures are the banks' published rates, worked out on the balance above. Each row says which figure is higher; it doesn't say which account suits you.
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