ING grows the money. SaveToRoam tells you how much you need.
The Savings Maximiser is great for the interest. SaveToRoam tells you the number it needs to reach — and what to deposit each week to land there on the departure date.
Interest is the bonus. The plan is the prize.
ING's Savings Maximiser earns one of the higher bonus interest rates in Australia (when you hit the monthly criteria). It's a sensible place to park holiday money.
What it doesn't do is plan the holiday. There's no concept of trip stops, no cost estimate, no weekly savings target tied to a departure date. The Maximiser is a balance — you decide what the target is. If you guessed wrong, no-one tells you.
SaveToRoam works at the layer above. Pick a destination template, set a departure date, and the app returns the real all-in AUD cost (flights, accommodation, activities, daily food) plus a weekly target. As bookings get paid or plans change, the target updates. The Maximiser then just holds the money you put aside each week.
| Feature | ING Savings Maximiser | SaveToRoam |
|---|---|---|
| High-interest savings | Bonus rate | (not a bank) |
| Multiple sub-accounts / goals | (single balance) | ✗ |
| Trip itinerary planner | ✗ | ✓ |
| Real trip cost estimates | ✗ | ✓ |
| Weekly savings target tied to a trip | ✗ | ✓ |
| Target updates when trip plans change | ✗ | ✓ |
| Track paid bookings + remaining costs | ✗ | ✓ |
| 60+ family destination templates | ✗ | ✓ |
| Best for | Growing the money | Planning the trip |
ING was earning us 5%. SaveToRoam told us we needed an extra $90/week — that's what actually got us to Vietnam.
Let ING earn the interest. Let SaveToRoam plan the trip.
Get a real cost and a weekly savings target for your family trip. Take the weekly number into your Maximiser. Watch the bar move — and the interest compound — toward a real departure date.
Start freeFree plan covers one trip. New signups get 14 days of Pro free — no card. After that, Pro is AUD $4.99/month or AUD $39.99/year.
Common questions
Does SaveToRoam replace my ING account?
No. SaveToRoam is a trip-planning tool, not a bank. You still need an account to hold the money — ING Savings Maximiser, Up Saver, Ubank Save, or another high-interest savings product. SaveToRoam plans the number; the bank earns the interest.
Can I track interest in SaveToRoam?
Not directly — SaveToRoam tracks money you've set aside toward the trip, not the underlying bank balance or interest. The simplest workflow is: SaveToRoam tells you what to put aside each week, you transfer it to your Maximiser, and you record the same amount in SaveToRoam to keep the trip-progress bar accurate.
Why pay for SaveToRoam when my ING account is free?
They do different jobs. ING holds and grows the money. SaveToRoam plans the trip and tells you what to save each week. The free SaveToRoam plan covers one trip with the full weekly target. Pro ($4.99/month AUD) unlocks unlimited trips, AI Trip Builder, savings velocity, hotel search, payment tracking, sharing, PDF export, and document vault.
More on holding the money vs planning the trip: Trip Savings Platform vs Savings Account →
Plan the trip. Save enough to go.
SaveToRoam links your itinerary to your savings, so a hotel change updates your weekly target automatically.
Free to start — no card required.