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.
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.
Apple 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.
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.
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.
Watch The Household CEO's review of the ING Orange Everyday Account
- $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
- 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.