Offered in conjunction with the ING Orange Everyday Debit Card, the ING Orange Everyday account provides access to an awesome range of extras, with no monthly fees to worry about. And, as long as you deposit $1,000 each month and use your card to make at least five purchases, you can benefit from free ATM withdrawals, no international transaction fees plus, 1% utility bills cashback.
What’s great?
If you’re looking to save on fees day-to-day, the ING Orange Everyday Debit Card could be the card for you.
No Monthly Fees
No matter how much or how little you use the card, no matter how much you deposit or spend, you will pay no monthly fees for the use of this card and its accompanying account.
No International Transaction Fees
Whether you’re a keen overseas traveller, or a fan of online shopping with international retailers, you can save heaps with no international transaction fees to pay on your transactions. To be eligible for this fee rebate, simply deposit $1,000 into your account each month, and make at least five purchases using your card during the same period.
Free ATM Withdrawals Everywhere
No matter where you are in the world, you can access your money using your ING Orange Everyday Debit Card and enjoy rebates on the first 5 ATM withdrawal fees each month. Again, to take advantage of this feature, you must deposit at least $1,000 and make five purchases using your card within the month.
Take note that ING Orange Everyday debit card holders won't be able to get a refund on any fees charged by overseas ATM operators, charges for currency conversion, fees imposed by merchants for purchase or cash withdrawals, and fees charged for balance enquiries.
Utility Bill Cashback
Pay your gas, electricity, and water bills via BPAY or direct debit (BSB and account number) from your Orange Everyday account and get 1% cashback from eligible utility providers. Simply meet the monthly deposit and spend requirements to enjoy up to a $100 cashback benefit per financial year. T&Cs apply.
Boost Your Interest Earn
Thinking of signing up for a savings account as well? If you choose to set up a Savings Maximiser with ING alongside your Orange Everyday account, you can boost your interest earn within your savings account every month you deposit at least $1,000 into the everyday account, use your card to make five purchases, and grow your Savings Maximiser balance.
Doing this, you could earn up to 5.50% p.a. variable interest on your Savings Maximiser account balance up to $100,000 and the additional variable rate will be applied to your account the following month. You can withdraw what you want, whenever you want, penalty-free.
Save with ING Everyday Round Up
Look after the pennies, and the pounds will look after themselves. While we may be talking dollars and cents here, the concept still applies. Which is why ING offers its Everyday Round Up tool as a way to help you build your savings. All you need to do is switch it on and it automatically rounds up card purchases and moves that extra amount into your nominated Savings Maximiser.
Mobile Payments
Whether you already use Apple Pay and Google Pay, or you want to get into it, with the ING Orange Everyday Debit Card, you can sync your card to your digital wallets to make shopping online and in-person more convenient.
Stay Secure
As you are using a Visa Debit card, you can benefit from Visa’s excellent security features. Not only does this offer you an added level of protection with Verified by Visa, but it also gives you peace of mind knowing that you will not be held liable for any fraudulent transactions made using your card, thanks to Visa’s Zero Liability policy.
What’s worth considering?
While the ING Orange Everyday account obviously provides lots of ways to save, there is some small print to be aware of. For example, what happens when you don’t deposit $1,000 and use your card to make five purchases? In terms of the international transaction fee, that will be applied at a rate of 3%. Meanwhile, international withdrawals will come with a fee of $5.
Other fees may apply, so check the small print before you apply.
Why should you choose it?
If you know that you will pay in at least $1,000 each month and use your card regularly, the ING Orange Everyday account could be a great money-saver, allowing you to benefit from paying no monthly fees, no international transaction fees and ATM withdrawal fee rebates, and utility bill cashback.
When used in conjunction with a Savings Maximiser, the account could also work to boost your interest earn, while channeling small amounts into that savings account via Everyday Round Up.
Holly
August 1, 2024Greetings ING.
Regarding the 5+ eligible purchases a month to ‘enjoy extra benefits’ on your ING Orange Everyday debit card. What constitutes an eligible purchase?
admin
August 22, 2024Hi Holly, I looked into this and can see that ING lists the below transactions that will count towards the 5 settled (not pending) card transactions to enjoy the extra benefits.
in store credit or EFTPOS purchases
online purchases
regular card payments
payWave
Apple Pay
Google Pay
recurring payments made with your card number
Hope this helps!
Jason Millane
May 27, 2024If i withdraw $$ from an atm or use tap and go with my visa debit, where do the funds come from, my orange account or savings accelerator??
admin
May 27, 2024Hi Keun, great question! With the Bank of Melbourne Complete Freedom debit card, there’s no monthly or annual fees.
tatiana molodchikova
March 4, 2024what is the daily limit to withdraw cash and how can i increase it ? where can i find atm wit no fees (ING ATM?)
admin
March 5, 2024Hi Tatiana, as indicated on ING’s fees and limits schedule PDS, the daily cash-out limit is $2,200 per day, per account. You can call ING directly to make changes to your cash-out limit. As for ATMs, ING doesn’t own any in Australia and doesn’t charge fees to withdraw cash from any machine – but you may pay a third-party fee for using the ATM, which is usually around $2.50.
Ian Jordan
February 28, 2024It appears that I need an account with ING in order to use the everyday orange card. Is this correct?
admin
March 4, 2024Hi Ian, yes you’ll get an account and a debit card at the same time. The account holds your money, and the debit card is one of the ways you access that money (as well as online banking).
Christine
January 11, 2024How do l check/find my list of merchants names/contacts on my debit card who are making transactions?
admin
January 25, 2024Hi Christine, you should be able to do that through the ING app. You can open the app and go to your Orange account and view your statement, or you can click ‘stored card details’ from the drop-down list to view all the merchants who have charged your card or stored your card details in the last 13 months. Hope that helps!
Martin
July 27, 2023Hi,
Does anyone have a link to the actual fees and limits schedule?
All the links provide the same 9 page document regarding the changes occurring on the 1 August 23, but there are no longer any links to the actual fees and limits schedule!
admin
August 1, 2023Hi Martin, the ING site only links to the 9 page pdf you mention. You could try using the “Wayback Machine” to check the ING site from before the latest update. Good luck!
Christos
April 3, 2023How do I apply for ING visa debit card
admin
April 4, 2023Hi Christos, at present, we don’t have a partnership with the ING Orange Everyday account. However, you can visit their website to complete an application. Additionally, you can compare other debit card accounts for alternatives.
Nick
March 5, 2023Hi how can I deposit money into my orange account can I deposit money into any ATM Teller yours kind
admin
March 6, 2023Hi Nick, yes you can deposit money into your ING Direct Orange Everyday account by transferring funds from another bank account, setting up a direct debit, depositing checks using the ING mobile banking app, or depositing cash at any Australia Post Office. Please note though that ING doesn’t have its own ATMs or tellers, but you can use any ATM in the Westpac, St.George, BankSA, or Bank of Melbourne network for free withdrawals.
Mel
February 26, 2023When making a cash withdrawal from an ATM using the Orange everyday card, which button is pressed ie. Check, credit or savings?
admin
February 28, 2023Hi Mel, you can choose either a ‘checking’ or ‘savings’ account when withdrawing cash from an ATM using your ING Direct Orange Everyday debit card. Choosing the ‘cheque’ option will withdraw the funds from your everyday account while the ‘savings’ option will withdraw the funds from the savings account linked to your everyday account (if you have one set up). If you need further assistance with using your ING debit card for ATM withdrawals, you can also reach out to ING customer service at 133 464. Hope this helps!
Tiana
February 5, 2023Is there a limit for overseas ATM withdrawals?
Is there a currency exchange fee?
admin
February 6, 2023Hi Tiana, you can check the potential limits for overseas ATM withdrawals in the web portal. As for foreign transaction fees, if you make a deposit of at least $1000 and make at least 5 purchases within the month, you may be eligible for zero international fees. Don’t forget to let ING know of your travel dates so they don’t block your card due to unknown overseas purchases.
Rob
January 7, 2023FYI you only get 5 ATM Cash Withdrawals (No FEE) per month overseas. Overall, great Card. I’ve using it in Canada for 3 years.
admin
January 11, 2023Hi Rob, thanks for the message. We’ll update our content accordingly!
Jane Robinson
October 26, 2022Does ING’s Orange Everyday Account allow direct debit set-up
admin
November 16, 2022Hi Jane, yes, ING allow a direct debit setup. You can call their Contact Centre directly at 133 464 for further information.
Chris Wallace
September 1, 2022I have an ING savings maximiser account, can a debit / credit card be linked to it or do I have to open an everyday account?
admin
September 29, 2022Hi Chris, I checked this for you and it looks like they don’t accept credit cards. You can only link ING Orange Everyday or Orange Everyday Youth account. You can check their FAQs for further information.
Peter Edwards
April 29, 2022if in any month you don’t deposit $1,000 & make 5 transactions do the transaction fees apply only for the month that the requirement wasn’t met?
admin
May 5, 2022Hi Peter, good question! We don’t have direct access to this card currently. I checked and can see that you will be charged a fee. You can reach out to ING directly at 133 464 to get more information on this.
Adam
April 20, 2022Is there a way for me to withdraw 6000 from my account?
admin
April 21, 2022Hi Adam, it looks like according to ING’s T&C’s that to change your limit higher you need to call them on 133 464 for up to $10,000.
Jane Trainor
December 18, 2020Is the ING Orange Every day account a cheque or savings account?
admin
January 21, 2021Hi Jane, the ING Orange Everyday account is an every day account with a Visa debit card – not a cheque account. If you are looking for a saving account ING has the Savings Maximiser.
Claire Rose
October 21, 2020Hello. My partner and I owul dlike to take out a joint ING Orange everyday account. We will not be depositing $1000 per month in it. What are the fees for this. Thank you.
admin
November 25, 2020Hi Claire, there is no monthly fee but you would be paying ATM withdrawal fees (this fee is set by the ATM Operator). For a full list of fees click here.
Vanessa Daughtry
September 23, 2019Is there a fee for periodical payments or direct debits from this account please?
admin
September 25, 2019Hi Vanessa, after reviewing the ING site – there is no fees listed. https://www.ing.com.au/everyday-banking.html
Lee Van Boheemen
August 16, 2019Could you please confirm that I have understood the summary correctly?
1. Deposit $1,000 per month
2. Complete 5 purchase transactions per month
3. NO Fees for: ATM funds withdrawals, ATM deposits of cash and cheques, Aust purchases using Visa Debit Card, International purchases using Visa Debit card (charged but refunded in full), International funds withdrawals (charged but refunded in full).
admin
August 19, 2019Hi Lee, $1000+ is mentioned in some cases. Therefore I would put at least $1001 just to be sure. 2, yeah just make sure they are all settled in the same month. It could take a few days for transactions to come on. 3. thats what they are saying. If you have an ING home loan. Then you are automatically eligible without meeting any deposit or transaction amount required. Great debit card account – best in Australia? Must be right now if you get fee free like that.
Paul Mckenze
March 6, 2017is there a daily transaction limit
admin
March 13, 2017Hi Paul, There is a cash out limit of $2,200 per day. This includes ATMs and EFTPOS. The limit for purchases is $5,000 per day using your Visa Debit. Please refer to fees and limits for more details.
Gwen
September 28, 2013Is there a maximum number of transactions in a month before a fee is charged?
admin
September 30, 2013Hi Gwen, no – there is no maximum number of transactions, they are all free. You will get charged an ATM fee if you withdraw less than $200 each time however.