ING Orange Everyday Account

ING Orange Everyday Account

Fee Free Deposit

1,000

Account Keeping Fee

0.00

Get a $75 cash bonus and use any ATM in Australia for free when you deposit at least $1,000 per month.

  • $0 Account keeping fees
  • Use any of the 32,000 ATMs available in Australia for free (conditions apply)
  • Link to a ING Savings Maximiser to get a competitive interest rate
  • $75 Cash bonus by entering the promotional code at the time of account opening (conditions apply)

Product details

Take advantage of free, unlimited access to your ING bank account. It comes with a linked Visa debit card that you can use to make your daily purchases – and you can receive $75 cash bonus. To receive the $75 cash bonus: open an Orange Everyday bank account, enter the promotional code at the time of account opening and deposit at least $1,000 within a calendar month by 30 November 2017. You will be notified when the $75 is deposited into your account.

If you deposit $1,000 per month, you are also eligible for the ATM rebate offer. This means you can use any ATM in Australia for free. You can also spend this $1,000 and still be eligible for the offer.

Product Name
ING Orange Everyday Account
Monthly Account Fee
$0
Debit Card Access
Visa
ATM Withdrawal Fee
$0
Details
$0 monthly account keeping fees. Unlimited free withdrawals at any ATM in Australia if you deposit $1,000 each month.
Joint Application
Yes
Fee Free Deposit p.m.
$1,000
Overseas ATM Withdrawal Fee
$2.50
Overseas Eftpos Fee
$2.50
Phone Banking
Yes
Fees
$0
Internet Banking
Yes
Limited time only: $75 cash bonus
Enjoy $75 cash bonus if you register, open a new Orange Everyday account, enter the promotional code at the time of account opening and deposit at least $1,000 within a calendar month. This offer is only valid until 30 November 2017. Unfortunately, invalid or incomplete codes will not be fulfilled. To receive your $75 cash bonus, remember to enter the promo code when prompted: MY75

What are the features of the ING Orange Everyday Account?

With the Orange Everyday Account there are a number of features to consider it when comparing the account to others that are available with Australian banks.

$0 Monthly account keeping fee

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

ing direct apple payApple Pay now available

You can now use Apple Pay with your ING Orange Everyday account. It's compatible with iPhone SE, iPhone 6 and 7, iPad Mini 3 and later, iPad Air 2, iPad Pro or Apple Watch. To set it up, open the wallet app on your iPhone and select the plus (+) sign. Then follow the prompts.

Linked Visa debit card

You are issued a Visa debit card to use for accessing your account. This card can be used for purchases in person, online and over the phone wherever Visa is normally accepted. So long as you are able to make the minimum, one-off monthly deposit of $1,000 into a Personal ING account in your name (excluding Living Super) by the last day of the preceding calendar month, you will not be charged any transaction fees or domestic ATM fees when accessing the money in your everyday account. It can be your pay, or come from an external bank account. It can also be separate payments, as long as it totals $1,000 by the end of the month. If you're unable to meet the deposit requirements, then you'll be charged for ATM withdrawals. You can spend the $1,000 on your everyday purchases, after you've deposited the funds.

Electronic payments

You can take advantage of BPAY, Pay Anyone, EFTPOS 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.

$0 ATM withdrawals from any ATM in Australia if you deposit $1,000 per month

Withdrawals can be made for free from any ATM in Australia, regardless of the bank, so long as you deposit your pay of $1,000 monthly. You'll get an Australian ATM fee rebate for your transactions, as long as you meet the conditions above.

Using your card overseas – Overseas ATM withdrawals and online shopping

Withdrawals made overseas using your Visa debit card will incur a charge of $2.50 per transaction plus an international transaction fee. This is not including any fees that may be charged by the institution that owns the ATM overseas. If you make an international purchase that involves converting currency to the Australian dollar your account (such as online shopping overseas) will be charged 2.50% of the Australian dollar amount as currency conversion fee.

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

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

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.

Interest bonus on savings up to 2.80% p.a. when you link with a ING Savings Maximiser

If you link this account to the Savings Maximiser from ING and deposit your pay of at least $1,000 into your everyday account monthly, you will be rewarded with a bonus interest rate applied to your savings of 2.80% p.a. on your Savings Maximiser. You can compare other ING products here.

Need to send money overseas to loved ones?

Find out more about ING international money transfers here.

Pros

  • $0 account keeping fees
  • Use any ATM in Australia for free (conditions apply)
  • $75 bonus offer (conditions apply)
  • Link to a Savings Maximiser and earn a competitive interest rate
  • Use BPAY, Pay Anyone, Bank@Post for free

Cons

  • ING doesn't have any branches
  • International and currency conversion fees apply

How do I apply for the ING Orange Everyday Account?

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 to apply online

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 to apply online

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 apply?

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.

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.

As finder.com.au is an online comparison service, we do not represent ING. If you are having issues transferring funds from your accounts, it would be best to contact an ING representative.

ING uses the Visa exchange rates, you can view these on their website. When you make an international purchase overseas, ING will charge you transaction fee on top of the payment that is made. When you withdraw from an international ATM, you will be charged the international transaction fee in addition to any fee that may be charged by the foreign ATM. Please note that when using this card overseas, you will need to use the ‘credit’ option when making purchases and withdrawals.

It may be possible to open an ING account from outside Australia. However, please note that you will need to provide proof of Australian residency for taxation purposes.

If you use the Bank@Post facilities at an Australian Post, this is considered as an Australian Post transaction. On it’s own, mail services from Australia Post are generally not free. You will be required to purchase a stamp or pay for postage to send mail.

That is correct, please note that you need to deposit your salary of at least $1,000 per month.

The cut off time for bank cheques is 15:00 Sydney time on a business days. This will allow you to expect the cheque via registered post in 2-5 business days, or Express Post next business day (if within the Express Post Network). When the delivery address is outside the Express Post Network you should allow 2-5 business days.

At the moment this feature is not available.

You can transfer a portion of your funds back to the transaction account you had before. It normally takes 2-5 business days for the debit card to land in your letterbox after ING have checked your ID.

Unfortunately this account requires applicants to be an Australian resident with an Australian mobile number.

Pending transactions generally take up to three business day to process. You can organise for the retailer to refund the excess transaction straight back into your card. If the issues hasn’t been resolved to your satisfaction, you can organise with ING to dispute the transaction or request a chargeback.

Yes, you can open a joint account with this card, and there are no extra fees charged to get this extra joint card.

This card can be used at any ATM or store which accepts Visa cards. International purchases have a fee on the transaction amount, and international ATM withdrawals have a fee of . In terms of admin and transfer fees, could you please clarify what you mean by this? Also note this account has no monthly account keeping fees.

Please see our comparison of term deposits. Unfortunately at this current point in time we don’t have any products in our comparison that meet your requirement. Unfortunately most of the accounts are only available to Australian resident, but the larger institutions such as CommBank, Westpac, ANZ and NAB may be able to facilitate an account for you. Nn term of taxes, you’ll be subject to AUS taxes – since we can only provide general information regarding Australian products you’ll need to speak to your accountant in the USA regarding US taxes. International transfers are available with ING, though there is a fee for this. Please note that to apply online you need to be an Australian resident for tax purposes. You’ll need to get in touch with JPMChase directly to enquire if there is a fee for international money transfers. Unfortunately we are unable to comment on exchange rates and risk as that comes under financial advice.

Unfortunately you cannot use this account to hold multiple currencies. To do this you need a multi-currency account.

You cannot directly link an external account to your account, but ING offers you unlimited bank transfers and BPAY to other banks from your Orange Everyday account.

You’ll need to log on to your internet banking to activate your card. Simply go to ‘My Account Details’ and then select ‘Activate Card’.

You can spend a maximum of $5,000 per day per account using the cheque or savings facilities on this card. For pay anyone transfers, there’s the ability to set limits of $500, $1,000, $2,000, $5,000, $10,000 or $25,000 per day, per account. For more information and to change your limit please contact ING.

For Cash Out using Visa Debit Card the limit is $2,200 per day, per account. There’s no fee for opening the account, fees in Australia apply if you request an overdraft and you may incur ATM fees from the owner of the ATM used to access your Orange Everyday account.

You can deposit funds into this account using electronic funds transfers. There are no fees for this.

It applies to Visa payWave purchases under $100 in Australia.

This account can be used anywhere a VISA is accepted. Using this card overseas will come with a purchase fee of the transaction amount, and an international ATM withdrawal fee of . To compare travel money options please view this guide.

This account doesn’t have any minimum deposits or balances.

You can get cash-out at Coles and Australia post. You’ll have to ask Coles directly how much they’ll charge for getting cash-out because the fee depends on the institution that you’re withdrawing from – the same applies for Australia Post (yes you can get cash-out from the Post office). You can also make cash deposits at Australia Post, there is no fee for this.

The Visa Debit Card will only allow you to spend your own money when it is deposited into your account and does not give you a credit limit.

If you get an ING Orange Everyday Visa Debit card won’t be able to access your ING Savings Maximiser. It will access the ING transaction account that you have opened. Your CBA account can still be linked to your ING Maximiser, but if you want to change this you can do so by contacting ING.

The conversion fee is included in this ATM withdrawal fee. Don’t forget depending on the ATM you may also need to pay ATM owner fees on top of this fee.

Any purchases made in Tahiti will have a foreign transaction fee. In addition, international ATM withdrawals will incur a fee of from ING and the charge of the local ATM operator.

Please note this account has an international ATM withdrawal fee. On international purchases made with the card for this account, a transaction fee applies. This account also does not charge monthly account fees whether you use it or not whilst you are overseas.

You will be able to use your ING Debit card internationally, but only as a debit card. Just use it as you normally would overseas, but keep in mind that there will foreign transaction and ATM withdrawal fees.

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89 Responses

  1. Default Gravatar
    CharlieOctober 13, 2017

    Does an ING Orange everyday account have to be linked to a bank account with another institution or can it be stand alone?

    • Staff
      JhezelynOctober 13, 2017Staff

      Hi Charlie,

      Thank you for your comment.

      The ING Orange Everyday Account comes with a linked Visa Debit card that you can use for accessing your account.

      According to the ING FAQ page, you can link one other bank account to your ING account (excluding home loans). The rule of thumb for linked accounts – including those linking to savings accounts – is:

      · must have an Australian BSB/account number
      · must be in the same name as your ING account
      · can be a joint account if you’re one of the signatories on the joint account
      · if your ING account is a joint account, the linked account must be in both names.

      And depending on how you bank with ING, for Orange Everyday Account:

      · Because it’s an account specifically designed for transactions between you and third parties, you don’t need to set up a linked account for Orange Everyday.

      I hope this helps.

      Regards,
      Jhezelyn

  2. Default Gravatar
    KatieOctober 13, 2017

    Hi there,

    My partner and I are thinking of opening a ing everyday account. I am from N.Z (which makes me a resident of Australia) My partner is from overseas but holds a 461 New Zealand family relationship visa. Are we eligible for a account with ing? Thanks

    • Staff
      JhezelynOctober 13, 2017Staff

      Hi Katie,

      Thank you for your comment.

      According to the eligibility criteria, only Australian permanent residents or citizens with a verifiable physical address in Australia will be considered for this account. So if you are not an Australian permanent resident, it’s recommended that you get in touch with ING to discuss your options for your application.

      I hope this helps.

      Regards,
      Jhezelyn

  3. Default Gravatar
    HannahOctober 3, 2017

    Does depositing $1,000 or more to get no account fee need to come directly from my employer or does it still count if I transfer in $1,000+ myself each month via electronic transfer?

    • Staff
      ArnoldOctober 3, 2017Staff

      Hi Hannah,

      Thanks for your inquiry

      The $1000 monthly deposit doesn’t necessarily need to come from your employer. As long as the $1000 deposit p.m. is met then you can continue to enjoy the ATM usage for free.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    TimothyAugust 21, 2017

    Hi there, I’m seeking to open a joint account with the ING everyday account. I’m currently not an ING account holder. Is there any way I can benefit from the Interest bonus with the IGA Savings Maximiser? For example, do I open the Savings MAximiser first and then create the everyday account to get the interest bonus? A recommendation would be much appreciated.

    • Staff
      MariaAugust 21, 2017Staff

      Hi Timothy,

      Thank you for reaching out to us.

      As finder is a financial comparison website providing general information, we are not permitted to provide our users with personalised financial advice or make product recommendations.

      It would be best to consult this directly with ING. Please note that as of this writing, this offer is limited to the first 10,000 people who satisfy the current eligibility criteria by 30 November 2017.

      Should you decide to start your application with the ING Orange Everyday Transaction Account, you may click on this link.

      Best,
      Maria

  5. Default Gravatar
    elmerfudMay 12, 2017

    If I open an account with you can I still get the $75 cash offer?

    • Staff
      HaroldMay 13, 2017Staff

      Hi Elmerfud,

      Thank you for your inquiry.

      Our company finder.com.au is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages.

      Enjoy $75 cash bonus if you register, open a new Orange Everyday account and deposit at least $1,000 every month. Offer is limited to the first 10,000 applicants and valid until 31 July 2017. To receive your $75 cash bonus, remember to enter the promo code when prompted: WELCOME75.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    ANDYMay 4, 2017

    Can temporary residents apply for the Direct Orange Everyday Account and Direct Savings Maximiser?

    • Staff
      JasonMay 5, 2017Staff

      Hi Andy,

      Thank you for your enquiry.

      Please note that only permanent Australian residents or citizens with a verifiable physical address in Australia will be considered for the ING DIRECT Orange Everyday and ING DIRECT Savings Maximiser accounts.

      Alternatively, please check out this link for a comparison of savings accounts for residents on a temporary visa.

      I hope this helps.

      Kind regards,
      Jason

  7. Default Gravatar
    JillApril 24, 2017

    Reading up on what ING can offer me. Would I be charged a fee if I chose to withdraw cash at time of shopping say for groceries?

    • Staff
      HaroldApril 25, 2017Staff

      Hi Jill,

      Thank you for your inquiry.

      Withdrawals can be made for free from any ATM in Australia, regardless of the bank, so long as you deposit your pay of $1,000 monthly. You’ll get an Australian ATM fee rebate for your transactions, as long as you meet the conditions listed on this page.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    jonApril 5, 2017

    Hi,

    If I had 2 Orange Everyday Accounts and 4 Savings Maximiser Accounts, how can I get the highest variable rate (3%) on all 4 Savings Maximiser Accounts in a month?

    Cheers,
    Jon

    • Staff
      HaroldApril 6, 2017Staff

      Hi Jon,

      Thank you for your inquiry.

      Should you need a savings account that offers a higher interest rate you may want to consider this option.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    talhaMarch 2, 2017

    Hi,

    is there any credit card fee for this account?

    Thanks

    • Staff
      AnndyMarch 2, 2017Staff

      Hi Talha,

      Thanks for your question.

      Please note that when you apply for an ING Direct orange Everyday Transaction account, you are also issued a Visa debit card, not a credit card, to use for accessing your account. This card can be used for purchases in person, online and over the phone wherever Visa is normally accepted.

      If you meet the $1,000 monthly deposit requirement for this account, you’ll get an Australian ATM fee rebate for your transactions. However, it does have Overseas ATM Withdrawal Fee of $2.50.

      Cheers,
      Anndy

  10. Default Gravatar
    AppszFebruary 19, 2017

    Hi Be careful regarding ING DIRECT’S Marketing/Advertising Incentives. However I would Encourage anyone who’s considering taking advantage of this $75.00 reward as I am of the belief it’s a marketing ploy to get you to join up with ING DIRECT. I Opened both an Everyday ING DIRECT ORANGE Account and a Savings Maximiser Account through a friend of mine who Also was of the belief she would receive the $75.00 bonus. As soon as I opened the accounts and I must say this (opened Accounts on IPhone) I looked for over half an Hour for the Box to put the code my friend received for me to enter that code on the site. I called ING up straight away and Explained my situation/predicament and was told Quite bluntly I might add that it’s Bad luck and that I won’t be receiving the Bonus Offer. My friend Has Not received her Bonus $75.00 Either. So I would be Sceptical about this offer. She Joined Over 3 months ago. Also there Transfers re using a designated Account mine being WESTPAC, Same as my Friend, Transfers can Take up to 4 Days Understandable if it’s a once off occurrence however I/Her transfer between accounts on a regular basis. Just takes too Long

    • Default Gravatar
      helloMarch 26, 2017

      that’s interesting about the $75.00 code, however, i disagree with you over westpac transfers. Mine were very quick, definitely did not take 4 days-more like 24 hours. So far I’m finding ING to be fantastic. The App is really good too.

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