ING Orange Everyday transaction account

Pay no international transaction fees, access to free ATMs and earn up to 1% cashback on your utility bills with this ING bank account.

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 ATM transaction fees refunded back into your account each month.

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

3.3 ★★★★★ (3 reviews) Write a review

Alison Banney

Last Updated Dec 1, 2021

Account keeping fee

ATM withdrawal fee

Overseas ATM withdrawal fee

Overseas transaction fee

of transaction value

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Details

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

Minimum Age	18
Joint account availability	Yes
Minimum opening deposit	N/A

Pros

$0 account keeping fees
Earn 1% cashback on utility bills (T&Cs apply)
5 rebated ATM withdrawals 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 ATM and transaction fees do apply if account conditions are not met
ATM rebates are now capped at the first 5 transactions a month (not unlimited)

Review by

Alison Banney

alison.banney@finder.com

Alison Banney is the banking and superannuation editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

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 ATM withdrawal fees refunded back into your account each month. This account used to offer unlimited free ATM transactions, however it's now capped at the first 5 each month. You'll still pay no international transaction fees, when the account conditions are met.

These perks 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 2.5% on each purchase overseas (and online from overseas 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.

Key features

$0 Monthly account keeping fee

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

Access free ATM withdrawals

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. This includes ATMs in Australia and overseas. 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.

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.

Linked Visa Debit Card

You're issued a free Visa Debit Card to make purchases in stores, online and over the phone wherever Visa is accepted. There's no fees for transactions made in Australia. You can access all ATMs globally for free when the account conditions are met (more details on this below).

Pay no international transaction fees

If you make an international purchase that involves converting currency to the Australian dollar (such as online shopping from overseas retailers), you won't be charged any international transaction fees so long as you deposit your pay of $1,000 monthly and make 5+ card purchases a month.

Apple Pay and Google Pay available

You can use Apple Pay and Google Pay with your ING Orange Everyday account, to make secure contactless payments with your smartphone, watch or wearable device. To set it up, open the Apple Pay or Google Pay wallet app on your phone and select the plus (+) sign. Then follow the prompts to add your ING debit card.

Electronic payments

You can take advantage of BPAY, Pay Anyone, EFTPOS, PayID and Bank@Post transactions for free. There are also no dishonour fees.

Contactless payments with Android Pay

Google's Android Pay is now available for customers with a compatible Android device and the Orange Everyday debit card, allowing customers to make contactless payments for everyday items.

Secure chip technology

The Orange Everyday has a security chip which gives you extra security by making it hard for criminals to get access to your details. The Visa Zero Liability policy means whenever you press 'credit' when making a purchase at a store or over the telephone, or use payWave, you're not held responsible for fraudulent charges.

Branchless banking

It's worth nothing that ING is an online bank and therefore, doesn't have any branches. However, you have round the clock access to your account through the ING online banking portal, via ING's mobile app, ATM access with your Visa debit card along with phone banking with ING's 24/7 customer call centre.

What if I want to deposit cheques or cash into my account?

You can take advantage of Bank@Post outlets – these are Australia Post offices equipped with the facilities of a bank, so you can deposit your cheque or cash directly into your ING account for free.

Bonus interest on savings up to 2.1% p.a. when you link with a ING Savings Maximiser

Earn 2.1% p.a. on your ING Savings Maximiser balance when you link to an ING Orange Everyday account and meet the following criteria each month: deposit at least $1,000; make 5+ card purchases; and grow your Savings Maximiser balance (excluding interest earned). You can compare other ING products here.

How to apply

ING allows applicants to complete their application form online. Click on 'go to site' if you have decided that this is the everyday account that meets your needs.

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 Australian permanent residents or citizens with a verifiable physical address in Australia will be considered for this account.

Do you have a mobile phone number? ING requests a mobile phone number when you are completing the application.

Documentation needed

If you meet these terms then you can proceed to the application page, having the following documentation ready to help with completing it quickly:

Your identifying documents. You are going to need at least two forms of identification in order for your application to be processed. This could include a driver's licence, passport, birth certificate or Medicare card. ING will use these to verify your identity electronically, but if unable to do so, will ask that you continue with this step in person at your local Australian Post Office.
Your account number. If you are already an ING customer, have your account details ready.
Your email address. You will need to supply ING with a valid email address so that they may communicate with you about your account.

What happens after I submit my application?

The online application form is short, and should only take five to ten minutes to complete. Once done you can submit it to ING where your identity will be verified and an account opened in your name. Within two to five business days afterwards, you will receive your Visa debit card in your mailbox. You can then link your accounts and set up direct pay into your new everyday account to ensure you meet the $1,000 monthly deposit requirement and make 5+ card purchases a month.

How do I activate my card?

Once you've received your debit card in the mail, sign the back of your card and log in through the official ING website. Go to "My Account Details" and click "Activate Card" and follow the prompts.

What if I'm not an Australian resident?

It's recommended that you get in touch with ING to discuss your options.

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130 Comments

Angel
May 13, 2022

I’m an Australian living in the US and want to open a bank account back home in Australia. I need to be able to transfer funds easily (and either for free or low fees) from my bank in the US to the bank in Australia. I also cannot open it in person or visit to verify identity for quite some time. Could you recommend a bank to fit those needs?

Reply
- finder Customer Care
  
  Alison
  May 28, 2022
  
  Hi Angel,
  
  If you will continue to reside in the US and have no immediate plans to come back to Australia, you can check for a US local bank that has international ties with a bank in Australia and see if you can open an account.
  
  However, if you are coming back within the next few months, you can easily open an account online. The four big banks in Australia, National Australia Bank (NAB), Commonwealth Bank (CBA), Australia and New Zealand Banking Group (ANZ Bank), and Westpac, allow potential customers from overseas to open an Australian bank account online and you can even do this before you get to Australia.
  
  You’ll need to have a verifiable physical address in Australia and upload all required documentation such as your passport, a valid ID, and income details. In some cases, you’ll need to provide your exact date of arrival in Australia when you apply for an account. Banks typically require you to arrive anywhere between 3 and 12 months after your application.
  
  I hope this helps!
  
  Regards,
  Alison
  
  Reply
YAME
November 21, 2021

HELLO
i have been living in Australia for 3years and im on student visa ,so i am not a permanent resident does that mean i am not eligible to apply for ing bank card. i am planning to apply for permanent resident when i finish uni.

Reply
- finder Customer Care
  
  Alison
  November 23, 2021
  
  Hi Yame,
  
  Due to ING Orange Everyday transaction account’s residency requirement, you won’t qualify for this type of account.
  
  You can explore your bank account options on our International students: Here’s how to open a bank account in Australia guide.
  
  I hope this helps!
  
  Thanks,
  Alison
  
  Reply
Erika
October 5, 2021

Hi, my husband and I want to open an account in you bank. He is Australian citizen, but I am at the moment on my partner visa (Temporal residence) I am applying at the moment for my permanent residence as I have been already for 2 years holding this visa.
Are we allow to open a joint account everyday transaction and a savings maximiser? or only is He allow to?

Reply
- finder Customer Care
  
  Alison
  October 13, 2021
  
  Hi Erika,
  
  I understand your concern in wanting to know if you can open a joint account with your husband.
  
  Orange Everyday accounts can be opened as a joint account, however, both account holders will need to apply and meet the eligibility criteria.
  
  To open an account, you must be an Australian resident with an Australian mobile number and an email address. You’ll need to provide at least two forms of ID such as a Medicare card, a driver’s license, or a passport.
  
  During the application process, you will be asked to enter your personal details and whether the account is to be opened in joint names. You will be asked to enter the joint account holder’s name and email address of the secondary account holder. This will then generate an email to the secondary account holder with instructions on how to complete their part of the application.
  
  Visit ING’s website to know more and to open your joint account.
  
  You can also call their customer support at 133 464 for further assistance.
  
  I hope this helps!
  
  Regards,
  Alison
  
  Reply
Francine
July 8, 2019

I have an ING account which I use for my home loan. I am going overseas this week and normally use an ANZ travel card. To be eligible to take advantage of the no fees on withdrawals and currency conversion do I need to have been placing funds into that account for a period of time?

Also in the response to Brian below re ATM fees overseas, the response is “Please note that a foreign exchange and other ATM fees may apply when using the ATM overseas.” I don’t understand as I thought that if the $1000 deposit and 5 withdrawals are complied with there are no fees.

Thank you.

Reply
- finder Customer Care
  
  Jeni
  July 9, 2019
  
  Hi Francine,
  
  Thank you for getting in touch with Finder.
  
  To be eligible for the ING Orange Everyday account’s no overseas ATM withdrawal fee and international transaction fees, you need to deposit $1,000 and make 5+ card purchases a month. In relation to Brian’s query, you may disregard the disclaimer as changes to ING’s international fees were effective on the 1st of March 2018.
  
  I hope this helps.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply
Howard
May 26, 2019

When I use my ING Visa Debit card at an ATM here in Australia or overseas what account type do i specify at the ATM eg Savings/Cheque/Everyday etc etc. Thanks

Reply
- Nikki
  May 29, 2019
  Hi Howard,
  
  Thanks for your inquiry!
  
  Here are some tips on how you would withdraw funds from your ING Visa Debit Card at any ATM locally or overseas.
  
  Every debit card payment terminal you see at a supermarket, service station, or any other retailer in Australia has three buttons: cheque, savings, and credit. Let’s take a closer look at what would happen if you pressed each one after swiping your card:
  
  Credit. You press this button when you either pay using a credit card or with a debit card that can also be used as a credit card. Of course, you’ll need to make sure your card is linked to an account relevant to the button you press in order for the transaction to work.
  
  Cheque. Press this and the money to pay for the purchase will come out of your everyday transaction or chequing account.
  
  Savings. The purchase you make will be charged to your savings account. If there is no specific savings account linked to your debit card, the funds will be taken from your everyday transaction account.
  
  You can also check our review on the difference between credit, cheque, or savings.
  
  Hope this was helpful. Don’t hesitate to message us back if you have more questions.
  
  Best,
  Nikki
  
  Reply

ING Orange Everyday transaction account

Pay no international transaction fees, access to free ATMs and earn up to 1% cashback on your utility bills with this ING bank account.

Details

Alison Banney

Expert review

Key features

$0 Monthly account keeping fee

Access free ATM withdrawals

Earn 1% cashback on utility bills

Linked Visa Debit Card

Pay no international transaction fees

Apple Pay and Google Pay available

Electronic payments

Contactless payments with Android Pay

Secure chip technology

Branchless banking

What if I want to deposit cheques or cash into my account?

Bonus interest on savings up to 2.1% p.a. when you link with a ING Savings Maximiser

How to apply

Eligibility

Documentation needed

What happens after I submit my application?

How do I activate my card?

What if I'm not an Australian resident?

Ask an expert

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