Get rebates on international transaction and ATM fees, and earn cashback on your utility bills with this account.
The ING Orange Everyday Transaction Account is ideal for both day-to-day use in Australia and also overseas. If you deposit $1000 per month and make 5+ card purchases a month, you’ll have the first 5 Australian ATM withdrawal fees refunded back into your account each month. You'll still pay no international transaction fees, when the account conditions are met.
This perk 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 3% on each purchase overseas (and online from international 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. Plus, the 1% cashback offer on utility bills could see you save up to $100 a year.
The ING Orange Everyday transaction account is a daily bank account with no account keeping fees. If you meet the account conditions, you’ll pay no international transaction fees and get your first 5 Australian ATM transaction fees refunded back into your account each month.
When the account criteria is met, you will also earn 1% cashback on your eligible utility bills when you pay using this account (capped at $100 cashback each year).
| Product Name | ING Orange Everyday Account |
| Monthly account fee | $0 |
| Card access | Visa |
| Own network ATM fee | $0 |
| International ATM Fee | $5 |
| International transaction fee | 3% |
| Monthly deposit required to waive account fee | N/A |
| Contactless Payments | Apple Pay, Google Pay |
| Minimum Age | 18 |
| Joint account availability | Yes |
| Minimum opening deposit | N/A |
| Residency status | Have an Australian Residential Address |
There are no fees when you bank using this everyday account from ING.
When you meet the account conditions (deposit $1,000+ from an external source monthly and make 5+ card purchases a month) your first 5 ATM transaction charges will be rebated to you each month. ING will rebate you the ATM withdrawal fee and the ATM operator fee. After the first 5 ATM charges are rebated to you, standard ATM fees will apply.
When you meet these same conditions, you will also be rebated the ING International ATM withdrawal fee when you use an ATM overseas. Note however, that this rebate does not include the operator fee.
You can earn 1% cashback on your eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY or Direct Debit (made using your BSB and account number only). This cashback offer is capped at $100 each financial year. To be eligible for the cashback offer you must meet the account conditions; deposit $1,000+ from an external source monthly and make 5+ card purchases a month.
Linked Visa Debit CardYou'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.
If you make an international purchase that involves converting currency to the Australian dollar (such as online shopping from overseas retailers), you won't be charged any international transaction fees so long as you deposit your pay of $1,000 monthly and make 5+ card purchases a month.
You can use Apple Pay and Google Wallet with your ING Orange Everyday account, to make secure contactless payments with your smartphone, watch or wearable device. To set it up, open the Apple Pay or Google Wallet app on your phone and select the plus (+) sign. Then follow the prompts to add your ING debit card.
You can take advantage of BPAY, Pay Anyone, EFTPOS, PayID and Bank@Post transactions for free. There are also no dishonour fees.
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.
It's worth nothing that ING is an online bank and therefore, doesn't have traditional branches. However, you have round the clock access to your account through the ING online banking portal, via ING's mobile app, ATM access with your Visa debit card along with phone banking with ING's 24/7 customer call centre. ING also has a lounge in the Sydney CBD where you can use ATMs, get advice and more.
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 for free.
Earn 5.5% p.a. on your ING Savings Maximiser balance when you link to an ING Orange Everyday account and meet the following criteria each month: deposit at least $1,000; make 5+ card purchases; and grow your Savings Maximiser balance (excluding interest earned). You can compare other ING products here.
Alison Finder
Editor
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Jason Loewenthal Finder
January 19, 2024
Hi Xuan,
We have a guide on bank accounts for international students.
I hope that helps.
Jane
November 24, 2023
If I overdraw my account am I charged a fee for this?
Jason Loewenthal Finder
January 05, 2024
Hi Jane,
There is no overdraft facility for the Orange Everyday account, so no overdraft fees.
I hope that helps.
Jessica
March 13, 2023
Who do I get in touch with about ING client Id
Alison Banney Finder
March 13, 2023
Hi Jessica,
You should be able to locate your client ID number on the back of your ING debit card, or by logging into Internet banking. If you need any additional help regarding your ING client ID it’s a good idea to contact ING directly.
Thanks,
Alison
Daniel
February 20, 2023
If I have the 2 accounts, the orange everyday and the savings maximiser, do I need to deposit $1000 and make 5 transactions for each account to get the benifits?
Alison Banney Finder
February 22, 2023
Hi Daniel,
No, you only need to deposit $1000 into one of your accounts and make 5 x purchases from your Orange Everyday account.
Thanks,
Alison
Johnny
February 19, 2023
Hi
So if I open a normal account and link a new savings account , add my card to my apple pay, I simply make 5 purchases from the everyday account to qualify for the 4.8% interest? Making the $1000 a month is no issue nor is growing my savings account. Just the transaction part is a little confusing because I’m reading it has to be 5 atm withdrawals a month in some places and 5 general transactions in others. Can I please have clarification?
Kind regards
Johnny
Alison Banney Finder
February 21, 2023
Hi Johnny,
Yes, confirming it’s just 5 general transactions or purchases per month to meet this condition. These can be of any value too, so buying 5 coffees throughout the month would meet this condition.
Thanks,
Alison
Xuan
January 11, 2024
Hi, what should an international student apply for?