As an established bank with flexible banking options, ING offers an appealing choice for account holders with various needs. Introducing the ING Orange Everyday Account.
Founded in 1999, ING was Australia’s first direct bank, launching the country’s first high-interest, fee-free online savings account. Since then, ING has positioned itself as a long-trusted bank for locals, aiming to offer simplicity.
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What is the ING Orange Everyday bank account?
The ING Orange Everyday account operates as a transaction account, with the ability to link to a Visa debit card.
Value-adds including cashback on utility bill payments can leave extra money in your pocket, positioning the ING Orange Everyday account as a compelling option for day-to-day use. With no international transaction or ATM fees on ING’s side, it also offers strong functionality as a travel money option.
Here’s an overview of key ING Orange Everyday account features to know about:
| Product name | ING Orange Everyday |
|---|---|
| Issued by | ING Bank Australia |
| Card network | Visa |
| Free transactions per month | Unlimited |
| Savings interest | Variable bonus interest earned on a linked ING Savings Maximiser account, calculated daily and paid monthly, on balances up to $100,000. To qualify, deposit at least $1,000 into your Orange Everyday account each month, make at least 5 eligible card purchases, and grow your Savings Maximiser balance compared to the previous month (interest earned in the current month doesn’t count as growth). Rates are variable — see our ING referral page for the current rate. |
| Mobile wallets | Apple Pay, Google Pay |
| Account funding options | BPAY |
The ING Orange Everyday account is designed to operate alongside a linked Savings Maximiser account. This account unlocks the ability to earn bonus interest.
Unpacking the ING Orange Everyday account features
The ING Orange Everyday account makes it possible to bank overseas without ING-side fees, unlocking the ability to pay your way with multiple payment options and to boost savings with bonus interest and helpful saving tools.
Listed below are some of the ING Orange Everyday account’s key benefits:
Utility bill cashback. When using the Orange Everyday account to pay gas, electricity, and water bills via BPAY or direct debit (BSB and account number), account holders receive 1% cashback from eligible providers, up to a cap per financial year (T&Cs apply). This cashback is automatic and no longer requires meeting a monthly deposit or spend condition.
No monthly fees mean that account holders won’t pay any fees to hold an ING Orange Everyday account, no matter how much you deposit or spend. That means there are no monthly account-keeping fees whether you use your card all day every day or not at all. T&Cs apply.
Boost your interest with a Savings Maximiser account. Account holders can earn a variable bonus rate on a balance up to $100,000. To access this rate, you’ll need to deposit at least $1,000 into your Orange Everyday account every month, use your card to make five purchases, and grow your Savings Maximiser balance.
The ING Everyday ‘Round Up’ feature offers a handy way to grow a savings balance by automatically rounding up card purchases and keeping the rounded amount for a nominated Savings Maximiser account.
Bank your way with the flexibility to undertake online banking, on your mobile app, iPad, over the phone or at Australia Post outlets.
Joint bank account capability positions the Orange Everyday account with the ability to be set up as a combined household bills account, or to operate as a joint account.
Free replacement Visa card in Australia or overseas takes some of the stress out of the unfortunate event when your card is lost or stolen.
Stay Secure (Visa Secure) allows ING Everyday account holders to benefit from Visa’s security features, meaning that you will have peace of mind knowing that you will not be held liable for any fraudulent transactions made using your card.
No ING international transaction fees. ING doesn’t charge its own fee on purchases made overseas or online with international retailers — this applies automatically, with no deposit or spending conditions to meet.
No ING international ATM withdrawal fees. ING doesn’t charge its own fee when withdrawing cash from ATMs overseas, also automatic with no conditions. Note that the ATM operator itself may still charge its own fee, which ING no longer rebates (see Fees and charges below).
Pros
- Utility bill cashback, now automatic
- No ING international transaction fees, automatic and unconditional
- No ING international ATM fees, automatic and unconditional
- No monthly account fees
Cons
- Third-party ATM operator fees are not rebated by ING
- $1,000 monthly deposit and 5-purchase condition still applies to earn bonus Savings Maximiser interest
- No physical branches
How to apply for the ING Everyday account
Signing up for a new ING Everyday account is free and the process can be completed within a few minutes.
First, you’ll need to complete a short mobile-friendly online form on the ING website.
Here, you will be required to provide the identification listed further below. Usually, ING will verify your identity straight away, however, if they are unable to do this, you’ll have to head to an Australia Post outlet.
Once your application has been accepted, your new ING Orange Everyday Visa debit card should arrive in the mail to your residential address within five to ten business days.
Eligibility
Signing up for an ING Orange account is fairly straightforward, but there are some eligibility requirements to be aware of before you apply.
| Minimum age to apply | 18 years |
|---|---|
| Residency requirement | Australian citizen or permanent resident with a valid Australian address |
| ID requirements | Two forms of ID (driver’s licence, passport, birth certificate or Medicare card) |
| Personal information | ING requests a mobile phone number and email address |
Fees and charges
ING’s fee structure has been simplified in recent years — international transaction and ATM fees on ING’s side are now free automatically, with no conditions to meet. The remaining condition to be aware of applies specifically to earning bonus interest on your Savings Maximiser account, not to everyday fees.
The table below provides an overview of the fees and charges that ING Orange Everyday account holders can expect to incur when using their debit card.
| Account keeping fee | $0 |
|---|---|
| ATM withdrawal fee, ING’s own component (Australia) | $0 (however, external ATM operators may charge their own fee, which ING does not rebate) |
| ATM withdrawal fee, ING’s own component (overseas) | $0, automatic and unconditional (external ATM operators may charge their own fee, which ING does not rebate) |
| Foreign transaction fee | $0, automatic and unconditional |
It’s important to note that while ING doesn’t charge its own fee at ATMs in Australia or overseas, external ATM operators may still charge their own fee — and this is no longer rebated by ING. The ATM operator must notify you of any fee before you complete the withdrawal, so keep an eye out for a fee message on screen, particularly when travelling overseas.
Personal Banking
Join ING.
Join ING. No monthly fees. No ING international transaction or ATM fees. Canstar Bank of the Year, multiple years running. Open in minutes.
Could an ING Orange Everyday account be right for you?
An ING Orange Everyday account may offer value, particularly for Australians who want automatic cashback on utility bills without needing to jump through monthly hoops. In saying that, the cashback is capped per financial year, so it may not be enough to appeal to all potential account holders.
With no ING-side international transaction or ATM fees, and no conditions attached to that benefit anymore, the ING Orange Everyday account is a genuinely low-friction option for frequent overseas travellers and online shoppers. The one condition still worth planning around is the $1,000 deposit and 5-purchase requirement for bonus Savings Maximiser interest.
Travel aside, used alongside an accompanying ING Savings Maximiser account, cardholders can benefit from bonus interest, withdrawing as many times as they like without losing it. Bonus interest and a ‘Round Up’ feature could also make the ING Orange account a good fit for the more savings-minded.
FAQ: ING Orange Everyday account
Does ING charge international transaction fees?
ING doesn’t charge its own international transaction fee on overseas or online purchases, and this applies automatically with no monthly conditions to meet.
Will I pay ATM fees overseas?
ING doesn’t charge its own fee for ATM withdrawals overseas. However, the ATM operator itself may charge a fee, and ING no longer rebates third-party ATM operator fees.
Can I get cashback with an ING Orange Everyday account?
Yes. 1% cashback on eligible utility bill payments is available, capped per financial year, and is now automatic with no monthly conditions to meet.
Do I need to meet any conditions to bank with ING fe
No, day-to-day fee-free banking (no monthly account fee, no ING-side international fees) is automatic. The only ongoing condition is for those wanting to earn bonus interest on a linked Savings Maximiser account, which requires a monthly deposit and card purchases into the Orange Everyday account.
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Can we open a joint orange everyday account as aged pensioners depositing our fortnightly pension payment of $1980 and be above the 5 transactions per month
Hi, you will need to meet the eligibility terms, including the minimum transaction requirements each month. If you’re unsure, I’d suggest giving ING a call to check.