In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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ING Orange Everyday transaction account

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ING Orange Everyday Account
Account keeping fee
$0
ATM withdrawal fee
$0
Overseas ATM withdrawal fee
$5
Overseas transaction fee of transaction value
3%

Our verdict

Get rebates on international transaction and ATM fees, and earn cashback on your utility bills with this account.

The ING Orange Everyday Transaction Account is ideal for both day-to-day use in Australia and also overseas. If you deposit $1000 per month and make 5+ card purchases a month, you’ll have the first 5 Australian ATM withdrawal fees refunded back into your account each month. You'll still pay no international transaction fees, when the account conditions are met.

This perk make this account a great travel money option. Just make sure you can meet the monthly deposit requirement, if you can’t you’ll be charged an international transaction fee of 3% on each purchase overseas (and online from international sites).

ING's Everyday Round Up tool means you can opt in to having your transactions rounded up with the remaining digital change added to your linked ING savings account. This is a helpful feature to help you save money without thinking about it. Plus, the 1% cashback offer on utility bills could see you save up to $100 a year.

Pros

  • $0 account keeping fees
  • Earn 1% cashback on utility bills (T&Cs apply)
  • 5 rebated Australian ATM withdrawal fees per month and no international transaction fees when account conditions are met
  • Link to a Savings Maximiser and earn a competitive bonus interest rate
  • Deposit money via Bank@Post for free

Cons

  • ING doesn't have any branches
  • International ING ATM fees and transaction fees do apply if account conditions are not met
  • In Australia, ATM rebates are capped at the first 5 transactions a month

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert

The ING Orange Everyday transaction account is a daily bank account with no account keeping fees. If you meet the account conditions, you’ll pay no international transaction fees and get your first 5 Australian ATM transaction fees refunded back into your account each month.

When the account criteria is met, you will also earn 1% cashback on your eligible utility bills when you pay using this account (capped at $100 cashback each year).

Details

Key details

Product Name ING Orange Everyday Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay

Eligibility

Minimum Age 18
Joint account availability Yes
Minimum opening deposit N/A
Residency status Have an Australian Residential Address

Key features

Picture not described

$0 Monthly account keeping fee

There are no fees when you bank using this everyday account from ING.

Access free ATM withdrawals in Australia

When you meet the account conditions (deposit $1,000+ from an external source monthly and make 5+ card purchases a month) your first 5 ATM transaction charges will be rebated to you each month. ING will rebate you the ATM withdrawal fee and the ATM operator fee. After the first 5 ATM charges are rebated to you, standard ATM fees will apply.

When you meet these same conditions, you will also be rebated the ING International ATM withdrawal fee when you use an ATM overseas. Note however, that this rebate does not include the operator fee.

Earn 1% cashback on utility bills

You can earn 1% cashback on your eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY or Direct Debit (made using your BSB and account number only). This cashback offer is capped at $100 each financial year. To be eligible for the cashback offer you must meet the account conditions; deposit $1,000+ from an external source monthly and make 5+ card purchases a month.


How to apply

ING allows applicants to complete their application form online.

Eligibility

First you are going to want to make sure that you are able to meet the following eligibility requirements:

  • How old are you? You must be at least 18 years of age or older to open an Orange Everyday Account from ING.
  • Where do you live? Only people with a verifiable physical address in Australia will be considered for this account.

Your reviews

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Alison Finder

Editor

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Xuan

January 11, 2024

Hi, what should an international student apply for?


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Jason Loewenthal Finder

January 19, 2024

Hi Xuan,


We have a guide on bank accounts for international students.


I hope that helps.


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Jane

November 24, 2023

If I overdraw my account am I charged a fee for this?


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Jason Loewenthal Finder

January 05, 2024

Hi Jane,


There is no overdraft facility for the Orange Everyday account, so no overdraft fees.


I hope that helps.


Avatar

Jessica

March 13, 2023

Who do I get in touch with about ING client Id


Avatar

Alison Banney Finder

March 13, 2023

Hi Jessica,

You should be able to locate your client ID number on the back of your ING debit card, or by logging into Internet banking. If you need any additional help regarding your ING client ID it’s a good idea to contact ING directly.

Thanks,

Alison


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Daniel

February 20, 2023

If I have the 2 accounts, the orange everyday and the savings maximiser, do I need to deposit $1000 and make 5 transactions for each account to get the benifits?


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Alison Banney Finder

February 22, 2023

Hi Daniel,


No, you only need to deposit $1000 into one of your accounts and make 5 x purchases from your Orange Everyday account.


Thanks,

Alison


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Johnny

February 19, 2023

Hi


So if I open a normal account and link a new savings account , add my card to my apple pay, I simply make 5 purchases from the everyday account to qualify for the 4.8% interest? Making the $1000 a month is no issue nor is growing my savings account. Just the transaction part is a little confusing because I’m reading it has to be 5 atm withdrawals a month in some places and 5 general transactions in others. Can I please have clarification?


Kind regards

Johnny


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Alison Banney Finder

February 21, 2023

Hi Johnny,

Yes, confirming it’s just 5 general transactions or purchases per month to meet this condition. These can be of any value too, so buying 5 coffees throughout the month would meet this condition.

Thanks,

Alison


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