ING Orange Everyday Account

ING Orange Everyday Account

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Get a $75 cash bonus! Use any ATM for free when you deposit at least $1,000 per month and make 5+ card purchases a 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

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 Plus, if you meet the account conditions you can take advantage of fee-free ATM access anywhere in the world. Read on to learn more about the features of this account.

If you deposit $1,000 per month and make 5+ card purchases a month, you are eligible for the ATM rebate offer. This means you can use any ATM in Australia or overseas for free. You can also spend this 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
ING charges no ATM withdrawal fees and offers a rebate on any third-party ATM fees and international transaction fees when you deposit $1,000 and make 5+ card purchases a month.
Joint Application
Yes
Fee Free Deposit p.m.
$0
Overseas ATM Withdrawal Fee
$2.50
Overseas Eftpos Fee
2.5%
Phone Banking
Yes
Fees
$0
Internet Banking
Yes

Limited time only: $75 cash bonus

Enjoy $75 cash bonus if you open a new Orange Everyday account online, enter the promotional code at the time of account opening and deposit at least $1,000 and make 5+ card purchases within a calendar month. This offer is only available to the first 10,000 applicants who apply by 30 September 2018 and satisfy the eligibility criteria. 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.

You will not be charged any transaction fees or ATM fees (within Australia or globally) when accessing the money in your everyday account, 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 and make 5+ card purchases a month. With the monthly deposit requirement, 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 and overseas if you deposit $1,000 per month and make 5+ card purchases a month

Withdrawals can be made for free from any ATM in Australia or overseas, regardless of the bank, so long as you deposit your pay of $1,000 monthly and make 5+ card purchases a month. When you withdraw money from an ATM in Australia, ING will rebate the fee back into your account, as long as you meet the conditions above. When using international ATMs, ING will waive the withdrawal fee if you meet the account conditions. Plus, ING will also rebate any fees charged by the international ATM operator back into your account.

Pay no international transaction fees

If you make an international purchase that involves converting currency to the Australian dollar (such as online shopping overseas), 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.

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 and make 5+ card purchases a month, 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)
  • 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 ATM and transaction fees apply if account conditions are not met

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 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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104 Responses

  1. Default Gravatar
    BrianApril 28, 2018

    Can I open an ING Orange everyday account while overseas? I am an Australian resident with an address in Australia.

    • finder Customer Care
      JhezelynApril 28, 2018Staff

      Hello Brian,

      Thank you for your comment.

      If you meet the eligibility criteria below, you can open an ING Orange Everyday Account.

      -Be an Australian resident for taxation purposes
      -Have an Australian residential address
      -Be at least 18 years old
      -Have an Australian mobile phone number
      -Have a valid e-mail address

      Please note that a foreign exchange and other ATM fees may apply when using the ATM overseas.

      Regards,
      Jhezelyn

  2. Default Gravatar
    DonaldApril 17, 2018

    Can we open an account in the name of our smsf pension fund.
    If so , what details are required !?

    • finder Customer Care
      JhezelynApril 17, 2018Staff

      Hello Donald,

      Thank you for your comment.

      You can open an account in the name of your SMSF, not with the ING Orange Everyday transaction account but with the ING SMSF Cash account. This account is used for general cashflow of the fund.

      You can view the requirements by clicking ING SMSF Cash and when you’re ready to apply, click the Go to Site button.

      You may also take a look at some dedicated SMSF cash accounts on this page. I hope this helps.

      Regards,
      Jhezelyn

  3. finder Customer Care
    NikkiApril 11, 2018Staff

    Hi Awulf,

    Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

    Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

    In opening an ING Orange Everyday account online, , The “MY75” code will apply as long as you applied on or before May 31, 2018. Should you apply after the date specified, you wont be able to use the code and get the $75 cash bonus. You may read this information below for rechecking:

    Enjoy $75 cash bonus if you open a new Orange Everyday account online, enter the promotional code at the time of account opening and deposit at least $1,000 and make 5+ card purchases within a calendar month, by 31 May 2018. This offer is only available to the first 10,000 applicants who apply by 31 May 2018 and satisfy the eligibility criteria. Unfortunately, invalid or incomplete codes will not be fulfilled. To receive your $75 cash bonus, remember to enter the promo code when prompted: MY75

    The BONUS75 is for the ING website while the MY75 is an exclusive offer for the finder website. :)

    Hope this helps! Feel free to message us anytime should you have further questions.

    Cheers,
    Nikki

  4. Default Gravatar
    SaifulMarch 29, 2018

    Boring because can not money

    • finder Customer Care
      NikkiMarch 29, 2018Staff

      Hi Saiful!

      Thanks for your message and for contacting finder.

      May I ask for more details following your statement. This would be able to help me understand your concern to assist you better.

      Looking forward to your reply!

      Best regards,

      Nikki

  5. Default Gravatar
    GabrielMarch 29, 2018

    If I have direct debit transactions on my ING Orange Everyday Account, will it count as part of the +5 transactions with my card for the month?

    • finder Customer Care
      MayMarch 29, 2018Staff

      Hi Gabriel,

      Thanks for you inquiry.

      According to the ING website, the 5+ card purchases include:

      In store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Android Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. Card purchases made in store or online this current calendar month which settle next calendar month do not count towards the 5 card purchases needed this current calendar month.

      So if your direct debit transactions could be counted as part of the 5+ card purchases.

      Hope this helps.

      Cheers,
      May

  6. Default Gravatar
    helenaMarch 20, 2018

    Hi,

    I am in the UK at the moment and am wanting to open an bank account with you, however, don’t have an Australian mobile number yet.
    Is this an issue in terms of applying?

    Thanks,
    Helena

    • finder Customer Care
      NikkiMarch 23, 2018Staff

      Hi Helena!

      Thanks for your questions and for contacting finder – a leading comparison website and general information service built to give you advice on your buying decision needs.

      The ING Orange Everyday transaction account requests a mobile phone number when you are completing the application.

      Here are other requirements when applying online:

      -You must be at least 18 years of age or older to open an Orange Everyday Account from ING.
      -Only Australian permanent residents or citizens with a verifiable physical address in Australia will be considered for this account.

      Documentation needed:

      – 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.

      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 afterward, you will receive your Visa debit card in your mailbox. You can then link your accounts and set up direct payment into your new everyday account to ensure you meet the $1,000 monthly deposit requirement and make 5+ card purchases a month.

      Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product/service that is rightfully fit for you.

      Hope this information was useful.

      Thanks and best regards,

      Nikki

  7. Default Gravatar
    LissMarch 12, 2018

    What are the fees if you don’t deposit $1000 a month?

    • finder Customer Care
      LouMarch 12, 2018Staff

      Hi Liss,

      Thanks for your question.

      If you are not able to meet the deposit requirement, you’ll incur the following fees:

      – Overseas ATM Withdrawal Fee – $2.50
      ATM Fees by third party ATM operators
      – International transaction fee (2.5% of the amount)

      I hope this helps.

      Cheers,
      Anndy

  8. Default Gravatar
    JasonFebruary 5, 2018

    For the ING orange everyday account to be eligible for no fees you have to deposit a monthly min of $1000. Can this be in separate deposits over the month?

    • finder Customer Care
      JoanneFebruary 6, 2018Staff

      Hi Jason,

      Thank you for visiting finder, we are a financial comparison website and general information service.

      With regard to the monthly deposit requirement, 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.

      Hope this helps,
      Joanne

  9. 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?

    • finder Customer Care
      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

  10. Default Gravatar
    KatieOctober 13, 2017

    Hi there,

    My partner and I are thinking of opening a ing everyday account. I am from New Zealand (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

    • finder Customer Care
      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

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