{
  "brand": "ING BANK (Australia) Ltd",
  "brand_label": "ING",
  "brand_slug": "ing-bank-australia-ltd",
  "legal_entity_abn": "24000893292",
  "public_base_uri": "https://id.ob.ing.com.au",
  "logo_uri": "https://www.ing.com.au/img/logos/ING_Primary_Logo_RGB.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-12T13:00:00Z",
  "at_a_glance": {
    "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"ongoing","rate_pct":6.0,"base_rate_pct":0.01,"bonus_rate_pct":5.99,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Maximiser","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":100000,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":6.5,"base_rate_pct":2.75,"bonus_rate_pct":3.15,"intro_rate_pct":0.6,"intro_months":4,"product_label":"Savings Booster","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":500000,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k2","restrictions":["linked_account"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":5.3,"base_rate_pct":5.3,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Savings Accelerator","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k3","restrictions":["linked_account"],"record_stale":false},
      {"segment":"smsf","kind":"ongoing","rate_pct":0.35,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true},
      {"segment":"smsf","kind":"intro","rate_pct":1.1,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true},
      {"segment":"smsf","kind":"base","rate_pct":0.35,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true},
      {"segment":"business","kind":"ongoing","rate_pct":0.35,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true},
      {"segment":"business","kind":"intro","rate_pct":1.1,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true},
      {"segment":"business","kind":"base","rate_pct":0.35,"base_rate_pct":0.35,"bonus_rate_pct":null,"intro_rate_pct":0.75,"intro_months":6,"product_label":"Business Optimiser","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":5000000,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k4","restrictions":["linked_account"],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "5 or more card purchases a month",
        "grow the balance each month",
        "deposit $1,000 or more each month",
        "hold an Orange Everyday bank account",
        "You must be an Australian resident for taxation purposes.",
        "closed to new applications from 1 December 2026",
        "the bonus rate is paid in the month after the one in which the conditions are met"
      ],
      "k2": [
        "grow the balance by $100 or more each month",
        "You must be an Australian resident for taxation purposes.",
        "You must maintain an active Orange Everyday in the same name.",
        "no Welcome rate if you or any joint holder has held an ING personal savings account"
      ],
      "k3": [
        "You must be an Australian resident for taxation purposes.",
        "a linked bank account (ING or another bank) is required"
      ],
      "k4": [
        "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",
        "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.",
        "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"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_account": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category",
  "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a",
      "product_name": "Business Optimiser",
      "product_label": "Business Optimiser",
      "product_slug": "business-optimiser",
      "page": "/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/business-optimiser/",
      "product_url": "https://www.ing.com.au/business/business-optimiser.html",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "smsf",
        "business"
      ],
      "segment": "business",
      "description": "A high variable interest business savings account with 24/7 access.",
      "bonus_is_total": null,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 6,
      "intro_conditions": [
        "new accounts only: For the first six months, for new customers, on balances up to $1million."
      ],
      "bonus_conditions": [],
      "extra_bonuses": [],
      "max_bonus_balance": null,
      "min_balance": null,
      "max_balance": 5000000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 0.35,
          "intro_pct": 1.1,
          "base_pct": 0.35
        },
        "50000": {
          "ongoing_pct": 0.35,
          "intro_pct": 1.1,
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        },
        "250000": {
          "ongoing_pct": 0.35,
          "intro_pct": 1.1,
          "base_pct": 0.35
        }
      },
      "rankings": [
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 33,
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        },
        {
          "segment": "smsf",
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          "rank": 34,
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        },
        {
          "segment": "smsf",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 35,
          "of": 35
        },
        {
          "segment": "smsf",
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          "rank": 28,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 50000,
          "rank": 29,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "intro",
          "balance": 250000,
          "rank": 33,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 10000,
          "rank": 30,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 50000,
          "rank": 31,
          "of": 35
        },
        {
          "segment": "smsf",
          "kind": "base",
          "balance": 250000,
          "rank": 32,
          "of": 35
        },
        {
          "segment": "business",
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          "balance": 10000,
          "rank": 37,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 40,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 41,
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        },
        {
          "segment": "business",
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          "balance": 10000,
          "rank": 29,
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        },
        {
          "segment": "business",
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          "balance": 50000,
          "rank": 34,
          "of": 42
        },
        {
          "segment": "business",
          "kind": "intro",
          "balance": 250000,
          "rank": 39,
          "of": 42
        },
        {
          "segment": "business",
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          "balance": 10000,
          "rank": 36,
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        },
        {
          "segment": "business",
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          "rank": 39,
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        },
        {
          "segment": "business",
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          "rank": 40,
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        }
      ],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": true,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": true,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": true,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [
        "app",
        "PayID",
        "notifications",
        "unlimited transactions"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": 0.0,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": 18,
      "age_max": null,
      "restrictions": [
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      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "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",
        "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.",
        "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"
      ],
      "eligibility": [
        "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."
      ],
      "record_stale": true,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ing-bank-australia-ltd/2aeb8d10-5633-4c68-a1e5-0cd1e4ed7b1a.json",
      "snapshot_at": "2026-11-05T03:31:40Z",
      "bank_last_updated": "2026-08-11T06:21:03.003Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.ing.com.au/pdf/BO_Terms_and_Conditions.pdf"
        ]
      }
    },
    {
      "product_id": "98290a00-39c5-4157-82ce-e725e305237b",
      "product_name": "Savings Accelerator",
      "product_label": "Savings Accelerator",
      "product_slug": "savings-accelerator",
      "page": "/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-accelerator/",
      "product_url": "https://www.ing.com.au/savings/savings-accelerator.html",
      "rate_correction": null,
      "interest_paid_correction": null,
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      "terms_url": null,
      "fees_url": null,
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "A tiered savings account, with a variable interest rate.",
      "bonus_is_total": null,
      "intro_is_total": null,
      "intro_is_bonus_rate": null,
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      "intro_conditions": [],
      "bonus_conditions": [],
      "extra_bonuses": [],
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      "rates_at_reference_balances": {
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        "50000": {
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        }
      },
      "rankings": [
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          "segment": "personal",
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        },
        {
          "segment": "personal",
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        },
        {
          "segment": "personal",
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      ],
      "features": {
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      },
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        "Osko",
        "PayID",
        "notifications",
        "unlimited transactions",
        "joint accounts"
      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      },
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        "You must be an Australian resident for taxation purposes.",
        "a linked bank account (ING or another bank) is required"
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      "eligibility": [
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      "record_stale": false,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/98290a00-39c5-4157-82ce-e725e305237b",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/ing-bank-australia-ltd/98290a00-39c5-4157-82ce-e725e305237b.json",
      "snapshot_at": "2026-11-13T01:42:02Z",
      "bank_last_updated": "2026-11-12T13:00:00Z",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
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        "documents": [
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          "https://www.ing.com.au/rates-and-fees/savings-interest-rates.html",
          "https://www.ing.com.au/pdf/SA_Terms_and_Conditions.pdf"
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      }
    },
    {
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      "product_label": "Savings Booster",
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      "product_url": "https://www.ing.com.au/savings/savings-booster.html",
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      "segment": "personal",
      "description": "A variable savings account offering bonus interest for eligible customers",
      "bonus_is_total": false,
      "intro_is_total": false,
      "intro_is_bonus_rate": false,
      "intro_months": 4,
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      ],
      "extra_bonuses": [],
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      "rates_at_reference_balances": {
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        "50000": {
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      },
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        },
        {
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        {
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      "feature_tags": [
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        "You must be an Australian resident for taxation purposes.",
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      ],
      "eligibility": [
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        "You must maintain an active Orange Everyday in the same name."
      ],
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      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/68a5c23f-36d8-42fe-b55b-a4849b815448",
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      "ranked": true,
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      "terms_scan": {
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        "documents": [
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    {
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      "product_label": "Savings Maximiser",
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      "page": "/au/finance/savings-accounts/accounts/ing-bank-australia-ltd/savings-maximiser/",
      "product_url": "https://www.ing.com.au/savings/savings-maximiser.html",
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}
