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ING International Fees
Got an ING credit card or debit card? Here's how you can get 0% international transaction fees.
A lot of credit cards and debit cards charge international transaction fees when you use them overseas – including when you shop online with international businesses. This typically costs you 2% to 3% on top of what you've spent.
ING gives you a way to save on this cost, with 0% foreign transaction fees if you meet the account requirements and have an Orange Everyday transaction account, Orange One Low Rate credit card or Orange One Rewards Platinum credit card.
How can I save with 0% foreign transaction fees?
ING usually charges a 3% international transaction fee and an overseas ATM withdrawal fee of $5. To save with 0% foreign transactions fees, you just need to deposit at least $1,000 from an external source (such as a salary) into your Orange Everyday account and make at least 5 eligible card purchases every month to have the international transaction fee rebated. The 5 transactions need to be settled, not pending.
Just remember that if you're using an ING credit card, the cash advance fee of 3% of transaction amount or $3 (whichever is greater) will still apply when you use your credit card to make overseas ATM withdrawals.
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Does ING offer a travel card?
No, ING does not have a dedicated travel money card. But you could use your ING debit card or credit card overseas instead, with worldwide acceptance through the Visa network.
If you qualify for the 0% international transaction fees on your ING card, it is similar to the features you'd get with a travel card anyway.
This feature was first launched by ING in November 2017 as a response to customers' increased international spend. Within the 3 years before this feature was launched, ING customers were spending 17% more overseas.
ING Australia's then-head of retail banking, Melanie Evans, said at the time: "We introduced no domestic ATM fees for qualifying Orange Everyday account customers in 2009. Fast forward to 2017 and we're taking it a step further for our customers who are now spending more internationally."
Want to compare other financial products with no foreign transaction fees? Check out our comparisons of credit cards with no international transaction fees and debit cards with no foreign transaction costs to get started.
More resources on Finder
More guides on Finder
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ING Orange One Rewards Platinum
Find out how you can get up to $30 cashback every month and save on overseas transactions with the ING Orange One Rewards Platinum credit card.
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ING Orange One Low Rate credit card
ING's Orange One Low Rate credit card offers low ongoing interest rates, foreign transaction fee rebates and instalment plans for $0 annual fee.
Ask a question
I think you should warn people about ING card use overseas.
ATMs are good, using the card for purchases and payments are good provided the shop accepts international cards etc BUT you cannot purchase things online eg tickets, if it requires a security code being sent to a phone that is not your own eg an overseas SIM (Not sure about a phone on roaming) even if you tell them you are travelling and paying etc using their OWN app.
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Is ING changing this from August 2023?
Hi David, ING has removed its fee rebate for international ATM withdrawals. However it has not removed the 0% international transaction fee offer (as long as you meet the account conditions).
I just want a debit card for international travel now and then so I don’t have to expose my regular bank account. I would transfer money into the new debit card each time I travel but want to avoid international exchange rates and fees as much as possible. Would the ING debit cardbe the best option?
Hi Ros,
In order to have the international transaction fees waived with an ING debit card you need to meet the ongoing monthly criteria. This includes depositing $1000 a month and making 5 purchases a month. If you meet this criteria one month, the international transaction fees will be waived the following month. So this account would require a little bit of pre-planning on your part before you travel in order to have the fees waived.
Can I use my ING card overseas
Hi Karlie, Yes you can use this card overseas. Some fees and charges may apply, especially if you withdraw money as a cash advance.
Hope this helps!
Hi travelling to Europe this year. Im elderly, can I use my ING Everday orange card when I leave Australia. I think the answer is yes, just let ING knoww before I leave.
Hi Jaril,
Yes, you can use your ING debit card overseas. You aren’t required to let ING know beforehand for it to work overseas, but it’s a good idea to do it so that the bank doesn’t think the overseas transactions on your account are suspicious activity.
Thanks,
Alison