ING Orange Everyday Account

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.

• 
  I have just opened the orange everyday account. I have had the savings maximiser for more than a year now. But for some reason, I can’t transfer money from my savings to everyday account. It is possible the other way? But not from savings account to the everyday account. It doesn’t show up as linked accounts. Please advise if I am missing something.
  
  
  
  
  
  

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

• 
  I'm going to travel to the UK with my orange everyday card and wondering how I find out the exchange rates of the currency I will be withdrawing using this card. Also what fees will be involved with me using my card overseas?
  
  
  
  
  
  

  ING uses the Visa exchange rates, you can view these on their website. When you make an international purchase overseas, ING will not charge you a transaction fee if you meet the account conditions detailed in the review above. on top of the payment that is made.

• 
  Is it possible to open ING account when I am outside of Australia?
  
  
  
  
  
  

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

• 
  What does it mean by Australia Post transaction free? Are mail services such as registered post free?
  
  
  
  
  
  

  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.

• 
  If I receive my salary on the ING Orange, and then transfer it on my Saving Maximiser, will it make me eligible for: Orange: FREE ATM cash back? Maximiser rate?
  
  
  
  
  
  

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

• 
  How long does it take ING to issue a bank cheque?
  
  
  
  
  
  

  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.

• 
  Can I earn Qantas points with the ING Orange Everyday account?
  
  
  
  
  
  

  At the moment this feature is not available.

• 
  Haven’t received new debit card yet, how can i take out money for now?
  
  
  
  
  
  

  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 have checked your ID.

• 
  Is the ING Maximiser/orange everyday accounts available for people that live in the U.S.?
  
  
  
  
  
  

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

• 
  Wanted to find out how long a Visa Debit authorisation will stay on an ING every day saver account as a pending authorisation? Have had an online company place multiple authorisations on funds for a single transaction and have been unable to resolve this issue with them.
  
  
  
  
  
  

  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 to dispute the transaction or request a chargeback.

• 
  I would like to open a joint account and if possible to have two cards with it (not necessarily credit but to be able to do our everyday shopping). Is it possible with this account? Is there any extra fee to have a second card?
  
  
  
  
  
  

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

• 
  At what banks in Europe /UK can I use this card at also what fees would be incurred Admin and transfer?
  
  
  
  
  
  

  This card can be used at any ATM or store which accepts Visa cards. International purchases have a fee on the transaction amount, unless you can meet the account conditions then these fees are waived. And international ATM withdrawals have a fee of $2.50, but if you meet the conditions ING will waive this fee also.  Also note this account has no monthly account keeping fees.

• 
  I have some founds in $US and in EURO. IS it possible to open an account with ING, where I can transfer and keep those founds in the original currency, like in $US or Euro?
  
  
  
  
  
  

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

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  Can I link an ING Visa Debit account to my account with another bank?
  
  
  
  
  
  

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

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  How do I activate my new card?
  
  
  
  
  
  

  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’.

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  Is there any limit (within account balance)to the $ value of In store purchases or online Pay anyone transfers
  
  
  
  
  
  

  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.

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  Is there any maximum withdrawal amount? I understand no fees are charged for this.Is there a fee to open the account or any fees at all for use within Australia?
  
  
  
  
  
  

  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. However, ING will waive this ATM fee if you meet the account conditions.

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  Can I deposit funds into this account from another bank electronically? Is there any fee for this?
  
  
  
  
  
  

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

• 
  Cash back is only if I use my cash on the selective merchants mentioned above or all merchants across Australia?
  
  
  
  
  
  

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

• 
  Does this account allow you to use in Rome, Venice, Florence, Pisa, anywhere in Italy and Canada, Alaska, Vancouver at any atm machine for purchases and cash withdrawal with no fees
  
  
  
  
  
  

  This account can be used anywhere a VISA is accepted. If you meet the account conditions, you won't pay any international ATM fees or international transaction fees. If you don't meet the conditions, using this card overseas will come with a purchase fee of the transaction amount, and an international ATM withdrawal fee of $2.50. To compare travel money options please view this guide.

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  What is the minimum initial account opening balance and what is the minimum account ongoing balance?
  
  
  
  
  
  

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

• 
  Can I make cash withdrawals at Coles and the post office? How much does Coles charge if it is below 200? How much does the post office charge for making cash withdrawals under 200? Can I even make cash withdrawals from the post office? Can I make cash deposits and how much does it cost and where
  
  
  
  
  
  

  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.

• 
  If I apply for this visa debit card and get my pay deposited into it fortnightly. If I spend all I get paid in any month, would I have a credit limit (that is not my money but credit card limit) I can have to use ING money? if yes then how much is the interest rate?
  
  
  
  
  
  

  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.

• 
  I have an ING savings maximisers account if I get a ING Orange Everyday Visa debit card will my savings account still function as it has been such as depositing funds to and from my regular Comm bank account.
  
  
  
  
  
  

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

• 
  I’m going to Cuba and they only accept VISA to pay & withdraw money.. My question is, if I opened an account with you before I leave as comm bank don’t offer Visa – what would the international fees be? and if I didn’t use the account when I returned would there be any fees…?
  
  
  
  
  
  

  If you meet the account conditions, you won't be charged international ATM fees or international transaction fees. If you don't meet the conditions, fees apply.

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  Am I able to use my orange ING card internationally as a credit card? what is the process?
  
  
  
  
  
  

  You will be able to use your ING Debit card internationally, but only as a debit card.