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).
ING Orange Everyday transaction account
- Account keeping fee
- $0
- ATM withdrawal fee
- $0
- Overseas ATM withdrawal fee
- $5
- Overseas transaction fee of transaction value
- 3%
Our verdict
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 also pay no international transaction fees if you meet the account conditions.
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.
Pros
-
$0 account keeping fees
-
Earn 1% cashback on utility bills (T&Cs apply)
-
5 rebated Australian ATM withdrawal fees per month and no international transaction fees when account conditions are met
-
Link to a Savings Maximiser and earn a competitive bonus interest rate
-
Deposit money via Bank@Post for free
Cons
-
ING doesn't have any branches
-
International ING ATM fees and transaction fees do apply if account conditions are not met
-
In Australia, ATM rebates are capped at the first 5 transactions a month
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.
Details
Key details
| Product Name | ING Orange Everyday Account |
| Monthly account fee | $0 |
| Card access | Visa |
| Own network ATM fee | $0 |
| International ATM Fee | International ATM fee $5 |
| International transaction fee | 3% |
| Monthly deposit required to waive account fee | N/A |
| Contactless Payments | Apple Pay, Google Pay |
Eligibility
| Minimum Age | 18 |
| Joint account availability | Yes |
| Minimum opening deposit | N/A |
| Residency status | Have an Australian Residential Address |
Key features
$0 Monthly account keeping fee
There are no fees when you bank using this everyday account from ING.
Access free ATM withdrawals in Australia
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.
Earn 1% cashback on utility bills
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 Card
You'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.
Pay no international transaction fees
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.
Apple Pay, Google Wallet available
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.
Electronic payments
You can take advantage of BPAY, Pay Anyone, EFTPOS, PayID and Bank@Post transactions for free. There are also no dishonour fees.
Secure chip technology
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.
Branchless banking
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.
What if I want to deposit cheques or cash into my account?
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.
Bonus interest on savings up to 5.5% p.a. when you link with a ING Savings Maximiser
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.
"I've found the ING Orange Everyday transaction account to be a great primary bank account, as simply depositing my salary each month unlocks ATM fee rebates as well as a great interest rate on my linked ING Savings Maximiser."
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Alison Finder
Editor
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Sarah Megginson Finder
September 13, 2024
Hi Tasha,
Yes, a NZ drivers licence should be sufficient ID. Most banks will accept 1 of these photo ID documents:
Your Australian or international passport
Your current Australian or New Zealand driver’s licence (excludes digital driver licence)
Your foreign national ID card
Your Proof of Age card (issued by an Australian state or territory)
Your NSW Photo Card/Birth Card or WA Photo Card
Your Government-issued firearms licence
Or,2 of these non-photo ID documents:
Your Australian or foreign birth certificate
Your Australian or foreign citizenship certificate
Your Centrelink/Department of Veterans’ Affairs pension or health care card
Your Australian driver’s licence (if it doesn’t include a photo of you)
Hope this helps!
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Eddie
February 27, 2024
are there any product replacements for the Orange Everyday Youth account? The portal says is no longer available for new account openings. What options are the for a 13 years old?
Sarah Megginson Finder
June 26, 2024
Hi Eddie,
No, ING have not replaced this account. You can look at a few different options for kids accounts here.
Xuan
January 11, 2024
Hi, what should an international student apply for?
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
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Tasha
March 12, 2024
Hi, we have just arrived to Australia from New Zealand and need to open a bank account. The ID requirements state drivers licence. Does an NZ drivers licence count? If we don’t have medicare what other ID can we provide alongside our passport?
Thank you