2 live products
ING
Best available rate
5.40%p.a.
Savings Accelerator
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.35%
Bonus
0.00%
Conditions
No monthly hoops
Finding the best rates…
Savings Accounts Comparison
Bank One
ING
Best available
Up to 5.40% p.a.
Line-up
2 live products
VS
ING vs P&N Bank
Compare ING and P&N Bank savings accounts side by side. In March 2026, ING offers 2 accounts with rates up to 5.40% p.a., while P&N Bank has 1 account reaching 4.75% p.a. ING currently leads by 0.65%.
VS
1 live product
P&N Bank
Best available rate
4.75%p.a.
Savvy Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.20%
Bonus
4.55%
Conditions
Bonus rules apply
Live edge
ING leads on headline savings rate by 0.65% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.65% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ING | P&N Bank |
|---|---|---|
| Max rate | 5.40% | 4.75% |
| Base rate | 4.35% | 0.20% |
| Bonus rate | 0.00% | 4.55% |
| Has conditions | No | Yes |
All ING Products
Every tracked savings accounts option from ING.
All P&N Bank Products
Every tracked savings accounts option from P&N Bank.
In March 2026, ING's Savings Accelerator offers up to 5.40% p.a., while P&N Bank's Savvy Saver reaches 4.75% p.a. (0.20% base + 4.55% bonus). ING currently leads by 0.65% p.a.
ING offers its top rate unconditionally, while P&N Bank requires monthly conditions. ING's rate includes an introductory component for 4 months. ING's rate applies on balances up to $500,000.
ING has 2 savings products and P&N Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ING | P&N Bank |
|---|---|---|
| Max Rate | 5.40% | 4.75% |
| Base Rate | 4.35% | 0.20% |
| Bonus Rate | 0.00% | 4.55% |
| Conditions Required |
Common Questions
ING vs P&N Bank FAQs
Which bank has the better savings rate, ING or P&N Bank?
ING currently offers the higher rate at 5.40% p.a., compared to 4.75% p.a. Rates are sourced from live data and change frequently.
What is ING's best savings account rate in 2026?
ING's best savings rate is 5.40% p.a. on the Savings Accelerator.
What is P&N Bank's best savings account rate in 2026?
P&N Bank's best savings rate is 4.75% p.a. on the Savvy Saver, consisting of a 0.20% base rate and 4.55% bonus rate. This rate requires meeting monthly bonus conditions.
Do ING and P&N Bank savings accounts have conditions?
ING's top rate has no ongoing conditions, while P&N Bank requires meeting bonus conditions each month to earn the full advertised rate.