ING Orange Everyday transaction account

Last updated: Jan 5, 2021

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 transaction 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.

Account keeping fee

ATM withdrawal fee

$2.5

Overseas ATM withdrawal fee

2.5%

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
Internatonal ATM Fee	$2.50
International transaction fee	2.5%
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
Use any ATM in Australia for free (conditions apply)
No overseas ATM fees or 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

Expert review

Review by

Alison Banney

alison.banney@finder.com

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.

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).

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.

$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 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.

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 1.35% p.a. when you link with a ING Savings Maximiser

Earn 1.35% 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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124 Comments

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.

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

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

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

Renee
April 17, 2019

How do I deposit cash into my ING account?

finder 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

Terese
March 22, 2019

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

finder 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

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.

finder 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

Tom
March 11, 2019

Are cash withdrawals included in the condition of 5+ card purchases a month?

finder Customer Care

Mai
March 12, 2019

Hi Tom,

Thanks for leaving a question.

The offer on this page for an ING Orange Everyday Account is that you will have free ATM withdrawals if you are able to deposit $1,000+ per month and ensure you make 5+ settled (not pending) card purchases. ATM/cash withdrawals are not part of the condition. The free ATM fee is something that you can take advantage if you were able to meet the criteria mentioned above.

You can click the Go To Site button above should you wish to open an ING Orange Everyday Account. Please make sure though that you’ve read the relevant T&Cs or PDS of this savings account to help consider whether the product is right for you.

Please feel free to contact us back should you require further assistance.

Kind Regards,
Mai

shelly
February 26, 2019

If I set ING orange account and do not deposit $1000 per month, what are my ATM fees in Australia?

finder Customer Care

Jeni
March 1, 2019

Hi Shelly,

Thank you for getting in touch with Finder.

You might incur an ATM fee from third-party ATM operators in Australia if you did not deposit $1,000 per month and make 5 or more card purchases a month.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

Jess
February 19, 2019

Are you able to apply for an overdraft limit with the everyday account.?
And are you able to have like an online account that you can transfer money in and out of when needed, with no fees as well as a stable savings account where you won’t be touching the money that’s in there?

Nikki
February 20, 2019

Hi Jess,

Thanks for getting in touch!

Yes, you are able to apply for an overdraft limit with the Everyday Account at 10% interest per annum. It comes with a linked Visa debit card that you can use to make your daily purchases in person, online, and over the phone wherever Visa is normally accepted at 0% monthly keeping fees. If you need to make sure you don’t spend your money, you can try a term deposit account. You can use our comparison table to compare your options.

Hope this helps!

Best,
Nikki

Melanie
January 30, 2019

A friend in NZ wants to transfer some money to me. Her bank wants a physical address for ING to complete the transaction. Can you help me out?

finder Customer Care

John
January 31, 2019

Hi Melanie,

Thank you for reaching out to finder.

The address provided on the ING page is 60 Margaret Street, Sydney NSW 2000. Though you may want to contact ING directly to know what address needs to be used for your purposes. Hope this helps!

Cheers,
Reggie

Olivia
December 16, 2018

Hello,

Using my ING orange debit card overseas, how do I know what the conversion rate is? For example – A debit card was activated and being used in Australia – when the person goes overseas what is the conversion for 1 AUD to the visiting country.

finder Customer Care

Jeni
December 19, 2018

Hi Olivia,

Thank you for getting in touch with finder.

Since it is a Visa card, Visa sets the exchange rate applicable at the time of your transaction. For more information on Visa exchanges rates please see their official page via ING’s FAQ page.

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers,
Jeni

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