ING Orange Everyday Account

ING Orange Everyday Account

Fee Free Deposit

1,000

Account Keeping Fee

0.00

Get a $75 cash bonus and use any ATM for free when you deposit at least $1,000 per month (and from 1 March 2018 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

If you deposit $1,000 per month (and from 1 March 2018 make 5+ card purchases a month), you are also eligible for the ATM rebate offer. This means you can use any ATM in Australia or overseas for free. You can also spend this $1,000 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 from 1 March 2018 make 5+ card purchases a month).
Joint Application
Yes
Fee Free Deposit p.m.
$1,000
Overseas ATM Withdrawal Fee
$2.50
Overseas Eftpos Fee
$2.50
Phone Banking
Yes
Fees
$0
Internet Banking
Yes

Limited time only: $75 cash bonus

Enjoy $75 cash bonus if you register, open a new Orange Everyday account, enter the promotional code at the time of account opening and deposit at least $1,000 within a calendar month. This offer is only valid until 28 February 2018. Unfortunately, invalid or incomplete codes will not be fulfilled. To receive your $75 cash bonus, remember to enter the promo code when prompted: REWARD75

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 from 1 March 2018 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 from 1 March 2018 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 from 1 March 2018 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 from 1 March 2018 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 from 1 March 2018 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 from 1 March 2018 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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89 Responses

  1. 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?

    • Staff
      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

  2. 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

    • Staff
      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

  3. Default Gravatar
    HannahOctober 3, 2017

    Does depositing $1,000 or more to get no account fee need to come directly from my employer or does it still count if I transfer in $1,000+ myself each month via electronic transfer?

    • Staff
      ArnoldOctober 3, 2017Staff

      Hi Hannah,

      Thanks for your inquiry

      The $1000 monthly deposit doesn’t necessarily need to come from your employer. As long as the $1000 deposit p.m. is met then you can continue to enjoy the ATM usage for free.

      Hope this information helps

      Cheers,
      Arnold

  4. Default Gravatar
    TimothyAugust 21, 2017

    Hi there, I’m seeking to open a joint account with the ING everyday account. I’m currently not an ING account holder. Is there any way I can benefit from the Interest bonus with the IGA Savings Maximiser? For example, do I open the Savings MAximiser first and then create the everyday account to get the interest bonus? A recommendation would be much appreciated.

    • Staff
      MariaAugust 21, 2017Staff

      Hi Timothy,

      Thank you for reaching out to us.

      As finder is a financial comparison website providing general information, we are not permitted to provide our users with personalised financial advice or make product recommendations.

      It would be best to consult this directly with ING. Please note that as of this writing, this offer is limited to the first 10,000 people who satisfy the current eligibility criteria by 30 November 2017.

      Should you decide to start your application with the ING Orange Everyday Transaction Account, you may click on this link.

      Best,
      Maria

  5. Default Gravatar
    elmerfudMay 12, 2017

    If I open an account with you can I still get the $75 cash offer?

    • Staff
      HaroldMay 13, 2017Staff

      Hi Elmerfud,

      Thank you for your inquiry.

      Our company finder.com.au is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages.

      Enjoy $75 cash bonus if you register, open a new Orange Everyday account and deposit at least $1,000 every month. Offer is limited to the first 10,000 applicants and valid until 31 July 2017. To receive your $75 cash bonus, remember to enter the promo code when prompted: WELCOME75.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    ANDYMay 4, 2017

    Can temporary residents apply for the Direct Orange Everyday Account and Direct Savings Maximiser?

    • Staff
      JasonMay 5, 2017Staff

      Hi Andy,

      Thank you for your enquiry.

      Please note that only permanent Australian residents or citizens with a verifiable physical address in Australia will be considered for the ING DIRECT Orange Everyday and ING DIRECT Savings Maximiser accounts.

      Alternatively, please check out this link for a comparison of savings accounts for residents on a temporary visa.

      I hope this helps.

      Kind regards,
      Jason

  7. Default Gravatar
    JillApril 24, 2017

    Reading up on what ING can offer me. Would I be charged a fee if I chose to withdraw cash at time of shopping say for groceries?

    • Staff
      HaroldApril 25, 2017Staff

      Hi Jill,

      Thank you for your inquiry.

      Withdrawals can be made for free from any ATM in Australia, regardless of the bank, so long as you deposit your pay of $1,000 monthly. You’ll get an Australian ATM fee rebate for your transactions, as long as you meet the conditions listed on this page.

      I hope this information has helped.

      Cheers,
      Harold

  8. Default Gravatar
    jonApril 5, 2017

    Hi,

    If I had 2 Orange Everyday Accounts and 4 Savings Maximiser Accounts, how can I get the highest variable rate (3%) on all 4 Savings Maximiser Accounts in a month?

    Cheers,
    Jon

    • Staff
      HaroldApril 6, 2017Staff

      Hi Jon,

      Thank you for your inquiry.

      Should you need a savings account that offers a higher interest rate you may want to consider this option.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    talhaMarch 2, 2017

    Hi,

    is there any credit card fee for this account?

    Thanks

    • Staff
      AnndyMarch 2, 2017Staff

      Hi Talha,

      Thanks for your question.

      Please note that when you apply for an ING Direct orange Everyday Transaction account, you are also issued a Visa debit card, not a credit 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.

      If you meet the $1,000 monthly deposit requirement for this account, you’ll get an Australian ATM fee rebate for your transactions. However, it does have Overseas ATM Withdrawal Fee of $2.50.

      Cheers,
      Anndy

  10. Default Gravatar
    AppszFebruary 19, 2017

    Hi Be careful regarding ING DIRECT’S Marketing/Advertising Incentives. However I would Encourage anyone who’s considering taking advantage of this $75.00 reward as I am of the belief it’s a marketing ploy to get you to join up with ING DIRECT. I Opened both an Everyday ING DIRECT ORANGE Account and a Savings Maximiser Account through a friend of mine who Also was of the belief she would receive the $75.00 bonus. As soon as I opened the accounts and I must say this (opened Accounts on IPhone) I looked for over half an Hour for the Box to put the code my friend received for me to enter that code on the site. I called ING up straight away and Explained my situation/predicament and was told Quite bluntly I might add that it’s Bad luck and that I won’t be receiving the Bonus Offer. My friend Has Not received her Bonus $75.00 Either. So I would be Sceptical about this offer. She Joined Over 3 months ago. Also there Transfers re using a designated Account mine being WESTPAC, Same as my Friend, Transfers can Take up to 4 Days Understandable if it’s a once off occurrence however I/Her transfer between accounts on a regular basis. Just takes too Long

    • Default Gravatar
      helloMarch 26, 2017

      that’s interesting about the $75.00 code, however, i disagree with you over westpac transfers. Mine were very quick, definitely did not take 4 days-more like 24 hours. So far I’m finding ING to be fantastic. The App is really good too.

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