- #1 My First Grade Fantasy Adventure
97% matchNo user reviews2023
Dev: Sprott GamesPub: Degica
Windows
An early education game for kids with tons of mini-games and movies! Features draggable interactive objects, solving puzzles, & memory matches. All with visual and sound effects to support your child's learning. Enjoy this memorable adventure in one of the most comprehensive First Grade prep games!
Why similar: Spelling 25.4% ★, Education 19.2%, Match 3 17.1% ★, Point & Click 9.3%, 2D Platformer 7.2%
- #2 Memory King
96% matchNo user reviews
Dev: Koma
Windows
Memory King is a brain training puzzle game designed to sharpen your memory skills. Challenge yourself through diverse stages including card matching, number recall, route memory, and face-name association. Difficulty increases gradually. Train daily and claim your throne as the Memory King.
Why similar: Spelling 28.3% ★, Match 3 18.7% ★, Education 18.3%, Point & Click 10.2%, 2D Platformer 7.8%
- #3 古诗消消大师-Chinese Ancient Poetry Matching Game
96% match2 user reviews100% of 2 reviews2023
Dev: AuroraBear
Windows
This game is a classic tile-matching game. Players can match tiles by clicking on the corresponding tiles in the order of Chinese ancient poetry, lyrics, and prose to pass levels. Through this game, players can experience the charm of traditional Chinese culture.
Why similar: Spelling 40.1% ★, Match 3 22.9% ★, Education 15.1%, Point & Click 8.6%, 2D Platformer 5.9%
- #4 Drop Pane : Not Only Match-3
95% match1 user reviews100% of 1 reviews2024
Dev: LarkDream Studio
Windows
Drop Pane is a Tetris-inspired indie game that blends the gameplay of match-3. The swift drop of piece challenges your breadth of attention and quick reflexes, demanding a sharp mind for effective handling. The game contributes to the development of spatial and language intelligence as well.
Why similar: Spelling 38.7% ★, Match 3 29.6% ★, Education 17%, Old School 3.5%, Casual 3.4%
- #5 Point Proven
94% match2 user reviews100% of 2 reviews2024
Dev: Exploding Soes
Windows
A Fun Journey into Real Analysis! Dive into the captivating world of "Point Proven," where mathematical logic meets engaging gameplay. In this innovative game, you'll prove statements using real analysis principles through an interactive and enjoyable experience.
Why similar: Spelling 49.8% ★, Education 20.4%, Point & Click 9.3%, Puzzle 6.5%, Cute 4.4%
- #6 Serenity Word - Relaxing Puzzle
93% match4 user reviews100% of 4 reviews2025
Dev: Playsimple Games
Windows
Develop word mastery and enhance vocabulary through an engaging and fun crossword puzzle game to relax your mind!
Why similar: Spelling 53.5% ★, Education 21.2%, Puzzle 8.3%, Casual 5.3%, Relaxing 4.3%
- #7 Lexicon
94% matchNo user reviews2024
Dev: Iowa Software Design
Windows
A casual word-forming game. Swap letters to form words and score! Customizable bonus word list useful for lessons or a reading challenge.
Why similar: Spelling 44.5% ★, Education 22.3%, Point & Click 8.4%, Puzzle 7.8%, Logic 5.1%
- #8 Chinese Characters
92% matchPositive82% of 49 reviews2022
Dev: 伏生游戏
Windows
"Chinese characters" is an elimination and puzzle game, put the same three words into the bottom slot to eliminate, eliminate all the words to pass the level, the game should always pay attention to the lower level of the text.
Why similar: Spelling 33.2% ★, Match 3 23.8% ★, Education 11.2%, 2D Platformer 10.9%, Puzzle 6.8%
- #9 LEARNMOOR: Kids Academy
91% match5 user reviews100% of 5 reviews2025
Dev: NorShark
Windows
LEARNMOOR: Kids Academy brings four fun and educational games for kids from preschool to 1st grade! Play exciting mini-games, practice key skills like math and reading, unlock secret characters, and watch your child learn while having a blast!
Why similar: Spelling 31% ★, Match 3 17.9% ★, Education 12.9%, Logic 9.7%, Narration 7.5%
- #10 NIHONGO SCHOOL
91% match2 user reviews100% of 2 reviews2023
Dev: SHIBANOIO
Windows
Let's have fun learning Japanese words with matching games!
Why similar: Spelling 56.8% ★, Education 31.5%, Cute 6.1%, Casual 4.7%, Singleplayer 0.9%
- #11 画中诗
90% matchPositive80% of 10 reviews2025
Dev: MistGame
Windows
A poetry-themed jigsaw puzzle game, enjoy the traditional Chinese culture and feel the charm of ancient Chinese poems in nearly 100 ancient poetry puzzles.
Why similar: Spelling 49.9% ★, Education 25.9%, Point & Click 14.6%, Casual 5.5%, 2D 3.3%
- #12 Taya's Alphabet
89% match1 user reviews100% of 1 reviews2022
Dev: Hibby Games
Windows · Mac
Learn the Alphabet in Ukrainian or Russian.
Why similar: Spelling 40% ★, Education 28.3%, Point & Click 12.1%, Relaxing 4.8%, Cute 4.7%
- #13 Amazing Weekend - Search and Relax Collector's Edition
88% matchPositive100% of 17 reviews2024
Dev: Avi Games
Windows
Escape on an ideal weekend! Enjoy hidden object puzzles, mini-games, hiking, and relaxation. The perfect way to de-stress and get inspired!
Why similar: Match 3 29.9% ★, Education 21.4%, Narration 11.8%, Point & Click 10.7%, Puzzle 6.5%
- #14 Arthur's 1st Grade
89% matchNo user reviews2025
Dev: Jordan Freeman GroupPub: ZOOM Platform Media
Windows
Arthur's 1st Grade is the perfect combination of learning, fun, and helpful features. With 15 different educational activities and 20 creative activities, Arthur's 1st Grade teaches a full year's worth of first grade skills and entertains your child with limitless fun and learning!
Why similar: Education 32.2%, Spelling 29.8% ★, Point & Click 15.5%, Puzzle 8.1%, Casual 6.1%
- #15 Square Word: Back to Work🐯
87% match5 user reviews100% of 5 reviews2023
Dev: CCS
Windows · Mac
Square Word is coming on Steam! Discover 140+ words spread in 4 chill themes! Handcrafted grids, hints, mini-objectives & more!
Why similar: Spelling 44.2% ★, Education 21.7%, Puzzle 6.7%, Logic 4.9%, Relaxing 4.4%
- #16 Japanese Fun - J64
86% matchPositive96% of 25 reviews2025
Dev: Space 64
Windows · Mac
Learn Japanese kana & Kanji with fun games, achievements, and writing practice!
Why similar: Spelling 41.2% ★, Match 3 28% ★, Education 22.8%, Casual 4.3%, 2D 2.3%
- #17 WORDLAND 2
85% matchPositive95% of 22 reviews2021
Dev: Robotizar Games
Windows
The continuation of the successful WORDLAND. This game is a mix of puzzles and crosswords. Answer the clues, arrange the pieces and discover the words.
Why similar: Spelling 41.4% ★, Education 18.1%, Logic 9.6%, Point & Click 8.8%, Puzzle 6.2%
- #18 Kidduca 3D
86% matchNo user reviews2024
Dev: RMB Games - Free learning games fo Kids
Windows
Amazing! The best educational game for kids to help them learn Letters, Numbers, Colors, Shapes in English, Spanish, Portuguese and French!
Why similar: Spelling 33.1% ★, Match 3 24.7% ★, Education 19.8%, Logic 9.1%, Puzzle 5%
- #19 Tip of the Tongue
84% match3 user reviews100% of 4 reviews2023
Dev: Garett A C Hunter
Windows
Boost your English vocabulary with this engaging survival puzzler! Guess objects, learn, and progress through diverse categories.
Why similar: Spelling 51.1% ★, Education 33.2%, Puzzle 8.4%, 2D 3.5%, Casual 3.1%
- #20 Små Ord
84% match1 user reviews100% of 1 reviews2024
Dev: Kunnskapstrening IT AS
Windows
Finn dyret som elgen tenker på i flotte naturomgivelser. Gjett deg frem ved hjelp av bokstavene og se om du klarer utfordringen!
Why similar: Spelling 56.7% ★, Education 23.5%, Logic 5.5%, Cute 5%, Family Friendly 4.2%
- #21 Word Hunt Fever
83% matchPositive93% of 14 reviews2021
Dev: Deborah Vellozo
Windows · Mac
Word Hunt Fever combines the mechanics of two popular types of puzzles: word search and match-3, with some rules designed to make the game interesting and addictive. Swap the letters to find the words, go up the levels and get the higher scores!
Why similar: Spelling 46.7% ★, Match 3 32.1% ★, Education 7.2%, Puzzle 6.9%, Relaxing 3%
- #22 WORDLAND
82% matchPositive97% of 35 reviews2021
Dev: Robotizar Games
Windows
WORDLAND is a minimalist puzzle game. A mix of puzzle and crossword. Answer the clues, arrange the pieces and discover the words.
Why similar: Spelling 40.7% ★, Education 17.8%, Logic 9.4%, Point & Click 9.1%, Puzzle 6.2%
- #23 Adventure Trip: London Collector's Edition
81% match4 user reviews75% of 4 reviews2022
Dev: Point8 Games Inc.
Windows
If you are a virtual bird but love adventure too, this game is just for you.
Why similar: Match 3 30% ★, Education 17.7%, Point & Click 14.8%, 2D Platformer 13.6%, Puzzle 8%
- #24 Hidden Paradise: Kiwi Christmas Collector's Edition
79% match5 user reviews60% of 5 reviews2025
Dev: Do Games Limited
Windows
A festive Kiwi adventure filled with sunny holiday vibes, hidden object fun, and cozy puzzles as you explore Auckland’s magic with the Garcias.
Why similar: Match 3 32.1% ★, Education 22.6%, Point & Click 13.9%, Logic 7.4%, Relaxing 6%
- #25 WORDLAND 3
81% matchPositive93% of 15 reviews2021
Dev: Robotizar Games
Windows
The continuation of the successful WORDLAND. This game is a mix of puzzles and crosswords. Answer the clues, arrange the pieces and discover the words.
Why similar: Spelling 42.6% ★, Education 18.6%, Logic 9.9%, Point & Click 9.5%, Puzzle 6.4%
- #26 Holiday in Europe: Czech Adventure Collector's Edition
82% matchNo user reviews2025
Dev: Do Games Limited
Windows
Explore Prague and beyond with the Collins family! Solve hidden object challenges, brain teasers, and uncover secrets in stunning locations!
Why similar: Match 3 32.4% ★, Education 24%, Point & Click 12.1%, Puzzle 6.9%, Logic 6.9%
- #27 Square Word: Summer Edition☀️
78% match9 user reviews100% of 9 reviews2023
Dev: CCS
Windows · Mac
Square Word is coming on Steam! Discover 140+ words spread in 4 sunny themes! Handcrafted grids, hints, mini-objectives & more!
Why similar: Spelling 47.9% ★, Education 16.3%, Relaxing 7.1%, Logic 6.7%, Cute 5.5%
- #28 Holiday in Europe: Netherlands Dreams Collector's Edition
80% matchNo user reviews2025
Dev: Do Games Limited
Windows
Start your journey to the land of tulips, windmills, and captivating traditions with the Collins family! Ready to explore the Netherlands?
Why similar: Match 3 32.3% ★, Education 23.9%, Point & Click 12%, Puzzle 6.9%, Logic 6.9%
- #29 Arthur's Reading Games
79% matchNo user reviews2025
Dev: Jordan Freeman GroupPub: ZOOM Platform Media
Windows
Arthur's Reading Games is the perfect combination of learning, fun, and helpful features. With 6 different fun-filled activities and 5 levels of difficulty, Arthur's Reading Games will entertain your child with hours of learning and fun!
Why similar: Spelling 41.9% ★, Education 27.7%, Point & Click 6.4%, Family Friendly 5.3%, Puzzle 4.9%
- #30 Festival Journey: Highland Dreams Collector's Edition
76% match4 user reviews50% of 4 reviews2025
Dev: Do Games Limited
Windows
Join the Brooks on a vibrant puzzle journey through Edinburgh’s festivals—solve, explore, and capture the magic of Scotland!
Why similar: Match 3 34.9% ★, Education 24.7%, Point & Click 10.2%, Puzzle 6.8%, Funny 5.6%
- #31 Lots of Things - Collector's Edition
77% match9 user reviews100% of 9 reviews2024
Dev: Avi Games
Windows
Dive into a cozy hidden object world! Explore a farm, pastry shop, and mysterious castle. Find hundreds of charming items with relaxing music. Collector's edition includes bonus locations, beautiful wallpapers, and soundtrack for full immersion.
Why similar: Match 3 29.7% ★, Education 21.9%, Narration 11.7%, Point & Click 10.5%, Puzzle 6.1%
- #32 The Tortoise and the Hare
76% match6 user reviews100% of 6 reviews2024
Dev: BrøderbundPub: ZOOM Platform Media
Windows
Explore a retelling of the classic Aesop Fairy Tale. A songbird, named Simon, narrates the tale, bringing the story alive one word at a time. The experience is fully animated and voiced with an easy to digest story mode and lots of bonuses and secrets to discover!
Why similar: Spelling 42.7% ★, Education 23.5%, Point & Click 12.2%, Puzzle 6.5%, Old School 4%
- #33 Sukusuku Hakutaku's Class!
78% matchNo user reviews2026
Dev: SleepyMelon
Windows · Linux
Make your brain grow sukusuku in this cute, customizable Hangman-style word game! Join an adorable fluffy teacher to guess English words or Touhou trivia one letter at a time!
Why similar: Spelling 58.5% ★, Education 24.9%, Puzzle 6.9%, Cute 3.9%, Casual 2.7%
- #34 Amazing Weekend 3 - Search and Relax Collector's Edition
73% match8 user reviews100% of 8 reviews2025
Dev: Avi Games
Windows · Mac
Find hidden objects, solve puzzles, and collect souvenirs in stunning outdoor locations. Relax with mini-games, wallpapers, and soothing music. Perfect for a calming break!
Why similar: Match 3 30.8% ★, Education 21.2%, Point & Click 10.3%, Narration 10.2%, Puzzle 6.7%
- #35 Mini Words: Polyglot
75% matchVery Positive87% of 63 reviews2021
Dev: Mens Sana Interactive
Windows · Mac
The most used nouns in English. Can you recognize them in another language? Unscramble frequently used words in a unique mix of logic puzzle, word search, and hangman.
Why similar: Spelling 56.9% ★, Education 23.4%, Puzzle 6.6%, Logic 4.1%, Relaxing 3.8%
- #36 Festival Journey: Venetian Masquerade Collector's Edition
77% matchNo user reviews2025
Dev: Do Games Limited
Windows
Explore Venice through puzzles and hidden objects in this festive journey — light on story, rich in fun!
Why similar: Match 3 31.9% ★, Education 23.7%, Point & Click 11.9%, Puzzle 6.8%, Logic 6%
- #37 Hex and Chill
74% match1 user reviews100% of 1 reviews2025
Dev: WantagameMakeagame
Windows
A serene match-3 puzzle game designed for pure relaxation. Swap colorful hex tiles at your own pace with no timers or pressure—just soothing gameplay and tranquil music. Includes full source code for the curious. Your personal oasis of simple puzzles awaits.
Why similar: Match 3 42.3% ★, Education 17.6%, Point & Click 11.7%, Relaxing 8.6%, Puzzle 7.2%
- #38 Ord-Upp
74% match1 user reviews100% of 1 reviews2023
Dev: Henning Tornblad
Windows
Ord-upp is a puzzle game where the purpose is to create words from fallings letters. There is also an alternative mode where numbers and operators must be combined in a way to meet a target number.
Why similar: Spelling 48% ★, Education 29.4%, Puzzle 8%, Logic 7.2%, Casual 3.9%
- #39 Word Scores
73% match2 user reviews100% of 2 reviews2025
Dev: Simple Pixel Games
Windows
A casual strategy word game. Spell words, score points, and avoid filling up the board. Enjoy the satisfying and relaxing game play.
Why similar: Spelling 55.7% ★, Education 20.3%, Relaxing 8.4%, Pixel Graphics 5%, Casual 3.5%
- #40 Sweet Home: Look and Find 4 Collector's Edition
71% match7 user reviews100% of 7 reviews2025
Dev: Avi Games
Windows
Explore a cozy house full of secrets! Find hidden objects, solve puzzles, and design your dream interior. Perfect for relaxation and immersive storytelling.
Why similar: Match 3 31.2% ★, Education 22.6%, Narration 9.9%, Point & Click 9.9%, Logic 6.2%
- #41 Hanzi Match
70% matchPositive94% of 17 reviews2025
Dev: Meow Meow Games
Windows
"Hanzi Match" is a match puzzle game. Select three same Chinese characters to them. Match all the characters to win. The pronunciation will be played every time you click on the character!
Why similar: Spelling 47.4% ★, Match 3 35.9% ★, Puzzle 7.3%, Casual 5.8%, 2D 2.8%
- #42 Square Word: Hello Winter!❄️
71% match3 user reviews67% of 3 reviews2023
Dev: CCS
Windows
Square Word is coming on Steam! Discover 140+ words spread in 4 chill themes! Handcrafted grids, hints, mini-objectives & more!
Why similar: Spelling 47.6% ★, Education 15.3%, Relaxing 7.7%, Puzzle 7.1%, Logic 4.6%
- #43 Sushiman
75% matchNo user reviews2023
Dev: Bad Kid Games
Windows
Running a restaurant is no easy task. The chef's way of cooking is a puzzle, he serves in sets of three and only if you manage to properly combine plates. Another challenge is the conveyor belt and anxious customers. Plates never reach them in time, can you work out a solution?
Why similar: Match 3 33% ★, Education 18.4%, Logic 10.7%, Point & Click 8.6%, Relaxing 6.3%
- #44 一花一世界 | The Lotus
72% matchMixed64% of 11 reviews2022
Dev: zh大番薯
Windows
This is a Chinese ink style elimination leisure game, You only need to strategically click on the screen to synthesize small flowers into more advanced flowers! Can you synthesize a lotus flower? Come and challenge! Try the boundless charm of ink painting in the game!
Why similar: Match 3 29.3% ★, Education 27.9%, Point & Click 16%, Puzzle 8%, Casual 6.1%
- #45 Djikstra's Enigmatic Puzzle Cube
70% match7 user reviews100% of 7 reviews2023
Dev: RedRoulette9 Games
Windows
A 3d puzzle game inspired by 2048. Spin your cube and merge magical elements to produce elements of greater power, to get the highest score you can.
Why similar: Match 3 40.8% ★, Education 20.8%, Logic 13.8%, Puzzle 9.5%, Relaxing 7.1%
- #46 Tome transform
72% matchNo user reviews2026
Dev: Michael Feng
Windows
Solve clue-driven anagrams to uncover iconic quotes from classic books and legendary films.
Why similar: Spelling 49.2% ★, Education 18.9%, Puzzle 10.1%, Relaxing 9.1%, Retro 5%
- #47 Hidden Paradise: Aloha with Love Collector's Edition
73% matchNo user reviews2025
Dev: Do Games Limited
Windows
Relax in paradise with fun hidden object scenes, cozy puzzles, and a light island story. Your Hawaiian getaway starts now!
Why similar: Match 3 31.8% ★, Point & Click 14.4%, Narration 9.9%, Education 8.8%, Puzzle 8.7%
- #48 Moving Letters
71% matchMixed69% of 45 reviews2020
Dev: Airem
Windows · Mac · Linux
Enjoy word find games? Try it and You’ll never experience a dull moment after you try this addicting word puzzle game. Play this game once and just you won’t be able to put it down.
Why similar: Spelling 34.4% ★, Match 3 21.1% ★, Education 17.2%, Logic 8.5%, Relaxing 5.1%
- #49 Motorhome: Traveling America Collector's Edition
68% match3 user reviews100% of 3 reviews2025
Dev: Avi Games
Windows
Embark on an unforgettable road trip! Explore stunning national parks, ski resorts, and canyons while playing engaging mini-games and uncovering hidden objects. Collect souvenirs and enjoy breathtaking locations!
Why similar: Match 3 30.3% ★, Education 21.8%, Narration 11.7%, Point & Click 10.6%, Puzzle 6.1%
- #50 Big Adventure: Trip to Europe 2 - Collector's Edition
69% matchPositive83% of 12 reviews2022
Dev: Avi Games
Windows
Explore Europe without leaving home! Visit Bruges, Lisbon, and the Pena Palace. Relaxing object hunting and puzzles await you!
Why similar: Match 3 32.4% ★, Education 22.9%, Point & Click 11.6%, Puzzle 7.1%, Relaxing 6%
- #51 Snail Race
68% match1 user reviews100% of 1 reviews2025
Dev: Tautvydas Vedeckas
Windows
Race to learn in Snail Race! 🐌🏁 Answer fun questions to boost your snail’s speed — the more you know, the faster you go! A colorful and silly educational game for kids, combining learning with fast-paced fun.
Why similar: Spelling 43.9% ★, Match 3 23.8% ★, Education 21.5%, Funny 5%, 2D 2.4%
- #52 Amazing Weekend 2 - Search and Relax Collector's Edition
67% matchPositive100% of 12 reviews2024
Dev: Avi Games
Windows
"Amazing Weekend 2" - collector's hidden object game edition. Find hidden items, solve puzzles & enjoy enhanced graphics. Perfect for relaxing gameplay!
Why similar: Match 3 31.9% ★, Education 22.3%, Narration 12.3%, Point & Click 11.4%, Puzzle 6.9%
- #53 Eggtastic
70% matchNo user reviews2026
Dev: Cheezie Games
Windows
🥚 Eggtastic – A retro puzzle game where you paint, mask, and design eggs to match the target. Simple to learn, fun for all ages.
Why similar: Education 23.5%, Old School 11.8%, Point & Click 11%, Relaxing 10.8%, Pixel Graphics 7.2%
- #54 Animal Farm Jigsaw Games for Toddlers, Babys and Kids
67% match1 user reviews100% of 1 reviews2024
Dev: McPeppergames
Windows
The ultimate farm children's game with lots of animal puzzles and farm motifs. The perfect learning game for all children, toddlers, babies, jigsaw puzzle and animal lovers. Familyfriendly!
Why similar: Education 35.6%, Puzzle 11.9%, Funny 9.7%, Cute 8.4%, Relaxing 7.2%
- #55 Apollo's Adventure
67% matchPositive93% of 14 reviews2022
Dev: nonPareil Institute
Windows
Step into the shoes of Apollo and try to find the Sage of Wisdom as you explore many levels and face multiple puzzles.
Why similar: Spelling 59.6% ★, Education 30.5%, Adventure 4.4%, 2D 3%, Casual 1.8%
- #56 Nippon Dojo
66% match1 user reviews0% of 1 reviews2025
Dev: Game Over Productions Inc.
Windows
Fun stylized cute themed learning experience. Jump in on the fun in this immersive Casual / Edutainment game. Tailored for beginners and experienced Japanese language students.
Why similar: Spelling 49.1% ★, Education 26.7%, Cute 5%, Funny 4.8%, Casual 3.7%
- #57 Paintball 3 - Candy Match Factory
67% match6 user reviews100% of 6 reviews2023
Dev: Crazysoft Limited
Windows · Mac · Linux
Join Boldy, the adorable green monster, on his sweetest and most thrilling adventure to fix the broken candy match factory: Paintball 3!
Why similar: Match 3 32.9% ★, Education 18.1%, Puzzle 7.1%, Logic 6.4%, Relaxing 6.1%
- #58 Family Adventures Paris
69% matchNo user reviews
Dev: Denda Games
Windows
Join Family Adventures Paris and be part of an incredible journey! Meet the Millers, loving parents Peter and Emily, talented Jessica, and sporty Steven - as they travel to the French capital, exploring the beautiful streets and experiencing the culture, art, and history that Paris holds for them.
Why similar: Match 3 33.4% ★, Point & Click 14.4%, Education 11.8%, Logic 9.4%, Puzzle 7.8%
- #59 Arthur's 2nd Grade
69% matchNo user reviews2025
Dev: Jordan Freeman GroupPub: ZOOM Platform Media
Windows
Arthur's 2nd Grade is the perfect combination of learning, fun, and helpful features. With 15 different educational activities and 20 creative activities, Arthur's 2nd Grade teaches a full year's worth of second grade skills and entertains your child with limitless fun and learning!
Why similar: Spelling 42.8% ★, Education 30.9%, Point & Click 11.4%, Casual 7.2%, Family Friendly 6.1%
- #60 Scrabbleman
65% matchPositive87% of 15 reviews2024
Dev: Ultra Hammer Games
Windows
A word puzzle game that combines elements of Hangman and Scrabble.
Why similar: Spelling 54.5% ★, Education 17.5%, Point & Click 14.9%, Puzzle 8%, Relaxing 4.5%