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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

$0

Account keeping fee

$0

ATM withdrawal fee

$5

Overseas ATM withdrawal fee

3%

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$5
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay

Review by


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.


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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130 Comments

  1. Default Gravatar
    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?

    • Avatarfinder 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

  2. Default Gravatar
    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.

  3. Default Gravatar
    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?

    • Avatarfinder 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

  4. 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

  5. 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

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