ING Orange Everyday transaction account

This ING bank account allows you to use any ATM for free and pay no international transaction fees when you deposit at least $1,000 per month and make 5+ card purchases a month.

The ING Orange Everyday transaction account is a daily bank account with no account keeping fees and no ATM fees in Australia. Plus if you meet the account conditions, you’ll pay no international transaction fees and get all international ATM fees refunded back into your account.

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$0

Account keeping fee

$0

ATM withdrawal fee

$2.5

Overseas ATM withdrawal fee

2.5%

Overseas transaction fee

of transaction value

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Details

Product NameING Orange Everyday Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$2.50
International transaction fee2.5%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay

Review by


Alison Banney is the banking and investments editor at Finder. She has written about finance for over six 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. ING was one of the first banks to offer free ATM withdrawals at any ATM in Australia. And if you deposit $1000 per month and make 5+ card purchases a month, you’ll also have international ATM withdrawal fees refunded back into your account and pay no international transaction fees.

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.

Key features

$0 Monthly account keeping fee

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

ing direct apple payLinked 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).


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.

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124 Comments

    Default Gravatar
    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.

      Avatarfinder 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

    Default Gravatar
    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

      Default Gravatar
      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:

      1. 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.
      2. Cheque. Press this and the money to pay for the purchase will come out of your everyday transaction or chequing account.
      3. 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

    Default Gravatar
    Renee
    April 17, 2019

    How do I deposit cash into my ING account?

      Avatarfinder Customer Care
      Jhez
      April 18, 2019

      Hello Renee,

      Thank you for your comment.

      You can deposit money to your ING Orange Account by depositing cash through their nearest branch or by wire transfer from your other accounts. You can also make EFT and Money Transfer to your ING Orange Account.

      Regards,
      Jhezelyn

    Default Gravatar
    Terese
    March 22, 2019

    Can I deposit cash into my ING account at a post office in Brisbane to activate my account?

      Avatarfinder Customer Care
      Jeni
      March 23, 2019

      Hi Terese,

      Thank you for getting in touch with Finder.

      You may deposit cash into your ING account at a post office since ING offers Bank@Post service.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    Angela
    March 21, 2019

    Please can you advise if I can still have this account even if I am not a permanent resident or citizen of Australia? I do have a residential address in Australia and a TFN.

      Avatarfinder Customer Care
      Charisse
      March 22, 2019

      Hi Angela,

      Thanks for reaching out to Finder.

      Even if you have a TFN but your tax status is a non-resident, you will not be eligible to open an ING Everyday account. Because of Australia’s taxation laws, only Australian residents are able to open ING bank accounts.

      You can also contact ING directly to confirm this information with them.

      I hope this helps.

      Cheers,
      Charisse

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