ING Business Optimiser
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Business Optimiser is a savings account from ING. At $50,000 it pays 0.35% p.a. with no bonus conditions; 1.10% for the first 6 months.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays, intro the rate in the introductory period.
| Balance | Base | Intro |
|---|---|---|
| $0 – $1,000,000 | 0.35% | 1.10% |
| $1,000,000.01+ | 0.35% | — |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
The intro column is the rate for the first 6 months of a new account, an add-on to the base rate for that period; after it the account pays its base rate, 0.35% at $50,000.
The feed states a maximum balance of $5,000,000.
Conditions
- not updated by the bank since 2026-08-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- needs one linked external Australian business bank account in the same name; money out only goes to it
- the welcome rate applies only to the first Business Optimiser opened per entity
Introductory rate conditions: new accounts only: For the first six months, for new customers, on balances up to $1million.
Features
- app
- yes
- PayID
- yes
- notifications
- yes
- transactions
- unlimited
Fees, limits and who can open it
- monthly fee
- $0
- maximum balance
- $5,000,000
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 18 and over
- open to
- SMSF and business customers
- linked account
- a linked or nominated transaction account is required
Who can open it, in the bank's own words:
- You need to nominate between one and four authorised users to operate your Business Optimiser. They must be an Australian resident for taxation purposes.
- You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).
- The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account.
About this account
A high variable interest business savings account with 24/7 access.
Data
- ING's own page for this account.
- Our verbatim snapshot of the bank's product record (source), as fetched on 5 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: business-optimiser.html, BO_Terms_and_Conditions.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/ing-bank-australia-ltd.json: this bank's accounts and every balance band as JSON; ING's page lists them.- The bank last updated this record on 11 August 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at ING
- Savings Accelerator savings account, 5.30% base at $50,000
- Savings Booster savings account, 5.90% conditional at $50,000
- Savings Maximiser savings account, 6.00% conditional at $50,000
- Orange Everydaystale transaction account
All of ING's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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