Signing up for an Orange Everyday account with an ING referral code is a quick and easy way to earn a cash bonus right from the start. New customers simply need to meet a few straightforward criteria to unlock the reward – no extra effort required beyond the everyday banking you'd already be doing.
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How to Use an ING Referral Code
Here’s a simple guide for how to use an ING referral code:
- Obtain your valid ING referral code from an existing ING customer. (use our “join now” link above)
- Apply online for an ING Orange Everyday account via the ING website or app.
- Enter the referral code when prompted during the sign-up process.
- Open and activate your account once approved.
- Meet the bonus conditions – depositing minimum amounts and making eligible card purchases within the required timeframe.
Once all criteria are met, the referral bonus is paid into your ING account automatically.
How Much Can You Save with ING?
We've sampled ING's competitors to identify how much you might make or save if you join for the first year with $1000 in the account:
Table is for illustrative purposes and not intended as financial advice. Read the PDS first.
Best Ways to Save with ING
- Use high-interest accounts such as ING’s Savings Maximiser and Orange Everyday together to maximise your interest earnings.
- Automate transfers with a regular scheduled deposit from your everyday account into your savings account.
- You can track and reduce fees by using ING’s no-fee account features and monitoring your spending habits through the ING app.
You can also explore the ways to bank here, but come back here for your referral code before you join.
What is ING?
ING Bank is a popular digital bank in Australia, known for its no-nonsense approach to everyday banking. It offers fee-free transaction accounts, competitive savings interest rates, and a highly rated mobile app that makes managing money easy. ING operates online without physical branches, which helps keep costs low and benefits customers through better rates and fewer fees. Customers can still access their money through a wide ATM network and enjoy features like real-time spending insights, card controls, and international transaction fee rebates. With a strong focus on convenience and value, ING will appeal to modern, tech-savvy savers.
If you're wondering whether ING is any good, consider that ING has won the Canstar Bank of the Year award six years in a row, recognised for offering the strongest combination of banking products across home loans, deposit accounts, credit cards, and personal loans, alongside high customer satisfaction scores.
Is ING Worth It in 2026?
Yes, ING is worth it, if only for the $100 bonus. The interest rate is also competitive if you stay with ING and the Internet banking app is quite usable.
How ING Promo Codes Work / Why Your Code Might Not Work
The most likely reason an ING referral code won't work is that you haven't copied or pasted the code correctly. Alternatively, the code may have expired as promotions like this are often limited in time.
Also consider your cache or cookies in your browser may be the sources of any issues.
Frequently Asked Questions
What is an ING referral code?
An ING referral code is a unique code shared by an existing ING customer. When a new customer uses it during sign-up, both parties may receive a cash bonus once all eligibility requirements are met.
When do I receive the ING referral bonus?
The referral bonus is usually paid into your ING account after you complete the required steps, such as depositing funds and making eligible card transactions within the set timeframe.
Can I use an ING referral code if I’ve banked with ING before?
Generally, ING referral codes are only valid for new customers. If you’ve previously held an ING account, you may not be eligible for the referral bonus.
Does ING charge fees if you don't meet the monthly criteria?
ING does not charge a monthly account fee regardless of whether you meet the criteria or not. However, if you don't meet the monthly requirements – depositing at least $1,000 and making five or more tap-and-go purchases – you will lose access to perks like ATM fee rebates and 1% cashback on eligible purchases for that month.
How much is the ING referral bonus and how do you claim it?
ING periodically offers cash bonuses for both the referrer and the new customer who signs up using a referral code. The bonus amount can vary, so it's worth checking the current offer on the ING website. To claim it, the new customer simply needs to enter the referral code during sign-up and meet the qualifying criteria within the specified timeframe.
What are the requirements to get ING ATM fee rebates in Australia?
To receive ING's ATM fee rebates, you need to deposit at least $1,000 into your Orange Everyday account and make at least five tap-and-go purchases using your ING card each calendar month. Once these criteria are met, ING will rebate any ATM fees charged during that month, including international ATM fees when travelling abroad.
Is ING a safe and legitimate bank in Australia?
Yes, ING is a fully licensed bank in Australia regulated by the Australian Prudential Regulation Authority (APRA). Deposits are protected under the Australian Government's Financial Claims Scheme up to $250,000 per account holder, making it just as safe as any of the major Australian banks.
Can you use ING as your main everyday bank account in Australia?
Absolutely. ING's Orange Everyday account is well suited as a primary bank account, offering no monthly fees, ATM fee rebates, and cashback on everyday purchases. While ING doesn't have physical branches, its mobile app and online banking platform make it easy to manage your money, transfer funds, and handle day-to-day banking needs entirely online.
Final Thoughts: Best ING Deals Right Now
ING's Orange Everyday account remains one of the best no-fee banking options in Australia, offering real, tangible rewards like ATM rebates and cashback for simply banking the way you already do. Signing up with a referral code only sweetens the deal, giving both you and the referrer a cash bonus from day one.
ING Alternatives / More Banking and Finance Deals
- Up Bank: Unlike ING, Up Bank offers a slick, app-first experience designed for younger Australians, but it lacks the cashback perks and competitive savings rate that make ING a standout choice for everyday banking.
- ubank: ubank keeps things simple with no monthly fees and a solid savings rate, but ING still edges it out with its ATM fee rebates and rewarding cashback on tap-and-go purchases.
Feel free to head to our Banking and Finance hub page for more deals and offers.
Michael is a contributor to The Champagne Mile – Deals. No fancy credentials – just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who'll listen. After years of hunting down points offers, promo codes, and referral bonuses for himself, Michael figured there were plenty of other Australians who'd rather spend five seconds clicking a link than five hours searching for a working code. Every deal on this site is personally checked before it goes up, and anything that's expired or no longer worth your time gets pulled. When he's not buried in promo codes, Michael is probably planning his next trip or working out how to make the last one cheaper in hindsight.