Any advice in this webpage does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to an Orange Everyday or Savings Maximiser, you should read the Savings Maximiser Terms and Conditions, Orange Everyday Terms and Conditions booklet, the Everyday Banking Fees and Limits schedule and the Orange Everyday Benefits Schedule available at ing.com.au.
If you have a complaint or need to speak with us visit ing.com.au/contactus for contact details and operating hours or call 133464. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.
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Orange Everyday Benefits for Orange Everyday Customers
Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:
- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
- also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.
Each month that you’re eligible for the Orange Everyday Benefits, you’ll receive the following on your Orange Everyday accounts:
- 1% cashback on eligible utility bill payments (up to $100 per financial year);
- Unlimited rebates on the ING International Transaction Fee; and
- Rebates on ATM withdrawal fess for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).
An eligible utility bill payment is a payment made by BPAY, PayTo (when available) or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.
For full terms and conditions, see theOrange Everyday Terms and Conditions, theEveryday Banking Fees and Limits Schedule,Orange Everyday Benefits Scheduleand the agreedutility supplier list.
Subject to these terms and conditions, ING may change or cancel these benefits at any time.
Savings Maximiser
Information and interest rates are current as at the date of publication and are subject to change.
The additional variable rate (that is added to the Savings Maximiserstandard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:
- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One);
- also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions); and
- ensure that the balance of your nominated Savings Maximiser account at the end of the month (excluding interest) is higher than it was at the end of the previous month. When we assess whether you’ve met this balance growth requirement, we do not take into account any interest earned on your account in the month.
Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.
Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.
Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase ‘settled’ card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a ‘pending status’ and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.
When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.
Real time payments can be made between eligible accounts at participating financial institutions under the New Payments Platform. Payments made from an Orange Everyday bank account through the New Payments Platform (including Osko payments) will be capped at $5,000 per day per account. ING customers can receive real time payments on the following accounts after creating a PayID (like a mobile number or email address): Orange Everyday, Savings Maximiser, Savings Accelerator, Business Optimiser, Orange Advantage and Mortgage Simplifier.
The Everyday Round Up
Everyday Round Up applies to card purchases using your Orange Everyday bank account. You must opt in to Everyday Round Up and select the round up amount (nearest $1 or $5). When you spend with your Orange Everyday card, we’ll transfer the extra amount from your Orange Everyday to your eligible home loan (e.g. Mortgage Simplifier or Orange Advantage) or Savings Maximiser. A round up will not be debited if doing so would reduce your Orange Everyday balance below $20. Full details at ing.com.au
Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule available under our Documents & Forms page. To view these documents you may need Adobe Acrobat. Eligibility and credit criteria apply. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.
ING is Australia’s most recommended bank according to RFI Global’s XPRT Survey, October 2023 – March 2024(n = 31,810) when compared to customers of 20 other banks operating in Australia. It is also Australia’s fifth largest main financial institution (MFI) with 6% of market share according to RFI Global’s XPRT Survey, October 2023 – March 2024 (n = 31,810). MFI is defined as the bank that the consumer says is their main financial institution.
Canstar Bank of the Year 2020 – 2023: Canstar has awarded ING Bank of the Year 2023 for the fourth year in a row, recognising the outstanding value ING offers across all our products and services.
Apple, the Apple App Store, iPhone and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are trademarks of Google LLC. The Google Pay Terms and Conditions for ING customers are available for your consideration in the Google Pay app.
