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A lot of credit cards and debit cards charge international transaction fees when you use them overseas – including when you shop online with international businesses. This typically costs you 2% to 3% on top of what you've spent.
ING usually charges a 3% international transaction fee and an overseas ATM withdrawal fee of $5.00. To save with 0% foreign transactions fees, you just need to deposit at least $1,000 from an external source (such as a salary) into your Orange Everyday account and make at least 5 eligible card purchases monthly to have the international transaction fee rebated.
Just remember that if you're using an ING credit card, the cash advance fee of 3% of transaction amount or $3 (whichever is greater) will still apply when you use your credit card to make overseas ATM withdrawals.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
No, ING does not have a dedicated travel money card. But you could use your ING debit card or credit card overseas instead, with worldwide acceptance through the Visa network.
If you qualify for the 0% international transaction fees on your ING card, it is similar to the features you'd get with a travel card anyway.
This feature was first launched by ING in November 2017 as a response customers' increased international spend. Within the 3 years before this feature was launched, ING customers were spending 17% more overseas.
ING Australia's then-head of retail banking, Melanie Evans, said at the time: "We introduced no domestic ATM fees for qualifying Orange Everyday account customers in 2009. Fast forward to 2017 and we're taking it a step further for our customers who are now spending more internationally."
Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
I think you should warn people about ING card use overseas.
ATMs are good, using the card for purchases and payments are good provided the shop accepts international cards etc BUT you cannot purchase things online eg tickets, if it requires a security code being sent to a phone that is not your own eg an overseas SIM (Not sure about a phone on roaming) even if you tell them you are travelling and paying etc using their OWN app.
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Hi David, ING has removed its fee rebate for international ATM withdrawals. However it has not removed the 0% international transaction fee offer (as long as you meet the account conditions).
I just want a debit card for international travel now and then so I don’t have to expose my regular bank account. I would transfer money into the new debit card each time I travel but want to avoid international exchange rates and fees as much as possible. Would the ING debit cardbe the best option?
Hi Ros,
In order to have the international transaction fees waived with an ING debit card you need to meet the ongoing monthly criteria. This includes depositing $1000 a month and making 5 purchases a month. If you meet this criteria one month, the international transaction fees will be waived the following month. So this account would require a little bit of pre-planning on your part before you travel in order to have the fees waived.
Hi travelling to Europe this year. Im elderly, can I use my ING Everday orange card when I leave Australia. I think the answer is yes, just let ING knoww before I leave.
Hi Jaril,
Yes, you can use your ING debit card overseas. You aren’t required to let ING know beforehand for it to work overseas, but it’s a good idea to do it so that the bank doesn’t think the overseas transactions on your account are suspicious activity.
Thanks,
Alison
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I think you should warn people about ING card use overseas.
ATMs are good, using the card for purchases and payments are good provided the shop accepts international cards etc BUT you cannot purchase things online eg tickets, if it requires a security code being sent to a phone that is not your own eg an overseas SIM (Not sure about a phone on roaming) even if you tell them you are travelling and paying etc using their OWN app.
.
Is ING changing this from August 2023?
Hi David, ING has removed its fee rebate for international ATM withdrawals. However it has not removed the 0% international transaction fee offer (as long as you meet the account conditions).
I just want a debit card for international travel now and then so I don’t have to expose my regular bank account. I would transfer money into the new debit card each time I travel but want to avoid international exchange rates and fees as much as possible. Would the ING debit cardbe the best option?
Hi Ros,
In order to have the international transaction fees waived with an ING debit card you need to meet the ongoing monthly criteria. This includes depositing $1000 a month and making 5 purchases a month. If you meet this criteria one month, the international transaction fees will be waived the following month. So this account would require a little bit of pre-planning on your part before you travel in order to have the fees waived.
Can I use my ING card overseas
Hi Karlie, Yes you can use this card overseas. Some fees and charges may apply, especially if you withdraw money as a cash advance.
Hope this helps!
Hi travelling to Europe this year. Im elderly, can I use my ING Everday orange card when I leave Australia. I think the answer is yes, just let ING knoww before I leave.
Hi Jaril,
Yes, you can use your ING debit card overseas. You aren’t required to let ING know beforehand for it to work overseas, but it’s a good idea to do it so that the bank doesn’t think the overseas transactions on your account are suspicious activity.
Thanks,
Alison