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ING Orange Everyday transaction account

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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.

$0

Account keeping fee

$0

ATM withdrawal fee

$2.5

Overseas ATM withdrawal fee

2.5%

Overseas transaction fee

of transaction value

Details

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

Expert review

Alison Banney

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

  1. 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 on ING’s international fees were effective on 1st of March 2018.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. 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 an 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 refer to this page to get more information on the above.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  3. 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

  4. 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 offer Bank@Post service.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. 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

  6. Default Gravatar
    Tom
    March 11, 2019

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

    • Avatarfinder 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

  7. Default Gravatar
    shelly
    February 26, 2019

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

    • Avatarfinder Customer Care
      Jeni
      March 1, 2019

      Hi Shelly,

      Thank you for getting in touch with Finder.

      You might be charged ATM fees by 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

  8. Default Gravatar
    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?

    • Default Gravatar
      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.

      Hope this helps!

      Best,
      Nikki

  9. Default Gravatar
    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?

    • Avatarfinder 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

  10. Default Gravatar
    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.

    • Avatarfinder 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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