ING DIRECT Orange Everyday Account

As finder.com.au is an online comparison service, we do not represent ING DIRECT. If you are having issues transferring funds from your accounts, it would be best to contact an ING DIRECT representative.

ING DIRECT uses the Visa exchange rates, you can view these on their website. When you make an international purchase overseas, ING DIRECT will charge you transaction fee on top of the payment that is made. When you withdraw from an international ATM, you will be charged the international transaction fee in addition to any fee that may be charged by the foreign ATM. Please note that when using this card overseas, you will need to use the ‘credit’ option when making purchases and withdrawals.

It may be possible to open an ING DIRECT account from outside Australia. However, please note that you will need to provide proof of Australian residency for taxation purposes.

If you use the Bank@Post facilities at an Australian Post, this is considered as an Australian Post transaction. On it’s own, mail services from Australia Post are generally not free. You will be required to purchase a stamp or pay for postage to send mail.

That is correct, please note that you need to deposit your salary of at least $1,000 per month.

The cut off time for bank cheques is 15:00 Sydney time on a business days. This will allow you to expect the cheque via registered post in 2-5 business days, or Express Post next business day (if within the Express Post Network). When the delivery address is outside the Express Post Network you should allow 2-5 business days.

At the moment this feature is not available.

You can transfer a portion of your funds back to the transaction account you had before. It normally takes 2-5 business days for the debit card to land in your letterbox after ING Direct have checked your ID.

Unfortunately this account requires applicants to be an Australian resident with an Australian mobile number.

Pending transactions generally take up to three business day to process. You can organise for the retailer to refund the excess transaction straight back into your card. If the issues hasn’t been resolved to your satisfaction, you can organise with ING Direct to dispute the transaction or request a chargeback.

Yes, you can open a joint account with this card, and there are no extra fees charged to get this extra joint card.

This card can be used at any ATM or store which accepts Visa cards. International purchases have a fee on the transaction amount, and international ATM withdrawals have a fee of . In terms of admin and transfer fees, could you please clarify what you mean by this? Also note this account has no monthly account keeping fees.

Please see our comparison of term deposits. Unfortunately at this current point in time we don’t have any products in our comparison that meet your requirement. Unfortunately most of the accounts are only available to Australian resident, but the larger institutions such as CommBank, Westpac, ANZ and NAB may be able to facilitate an account for you. Nn term of taxes, you’ll be subject to AUS taxes – since we can only provide general information regarding Australian products you’ll need to speak to your accountant in the USA regarding US taxes. International transfers are available with ING Direct, though there is a fee for this. Please note that to apply online you need to be an Australian resident for tax purposes. You’ll need to get in touch with JPMChase directly to enquire if there is a fee for international money transfers. Unfortunately we are unable to comment on exchange rates and risk as that comes under financial advice.

Unfortunately you cannot use this account to hold multiple currencies. To do this you need a multi-currency account.

You cannot directly link an external account to your account, but ING DIRECT offers you unlimited bank transfers and BPAY to other banks from your Orange Everyday account.

You’ll need to log on to your internet banking to activate your card. Simply go to ‘My Account Details’ and then select ‘Activate Card’.

You can spend a maximum of $5,000 per day per account using the cheque or savings facilities on this card. For pay anyone transfers, there’s the ability to set limits of $500, $1,000, $2,000, $5,000, $10,000 or $25,000 per day, per account. For more information and to change your limit please contact ING DIRECT.

For Cash Out using Visa Debit Card the limit is $2,200 per day, per account. There’s no fee for opening the account, fees in Australia apply if you request an overdraft and you may incur ATM fees from the owner of the ATM used to access your Orange Everyday account.

You can deposit funds into this account using electronic funds transfers. There are no fees for this.

It applies to Visa payWave purchases under $100 in Australia.

This account can be used anywhere a VISA is accepted. Using this card overseas will come with a purchase fee of the transaction amount, and an international ATM withdrawal fee of . To compare travel money options please view this guide.

This account doesn’t have any minimum deposits or balances.

You can get cash-out at Coles and Australia post. You’ll have to ask Coles directly how much they’ll charge for getting cash-out because the fee depends on the institution that you’re withdrawing from – the same applies for Australia Post (yes you can get cash-out from the Post office). You can also make cash deposits at Australia Post, there is no fee for this.

The Visa Debit Card will only allow you to spend your own money when it is deposited into your account and does not give you a credit limit.

If you get an ING DIRECT Orange Everyday Visa Debit card won’t be able to access your ING DIRECT Savings Maximiser. It will access the ING DIRECT transaction account that you have opened. Your CBA account can still be linked to your ING DIRECT Maximiser, but if you want to change this you can do so by contacting ING.

The conversion fee is included in this ATM withdrawal fee. Don’t forget depending on the ATM you may also need to pay ATM owner fees on top of this fee.

Any purchases made in Tahiti will have a foreign transaction fee. In addition, international ATM withdrawals will incur a fee of from ING and the charge of the local ATM operator.

Please note this account has an international ATM withdrawal fee. On international purchases made with the card for this account, a transaction fee applies. This account also does not charge monthly account fees whether you use it or not whilst you are overseas.

You will be able to use your ING Debit card internationally, but only as a debit card. Just use it as you normally would overseas, but keep in mind that there will foreign transaction and ATM withdrawal fees.