You've been referred

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Your friend has referred you to ING, the bank that Canstar has awarded Bank of the Year 2023 for the fourth year in a row.

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Bank a $100 bonus on us

You could unlock a number of benefits by opening a transaction and savings account with ING. Like 1% cash back on utility bills, rebates on international transaction fees and up to a % variable interest rate for eligible customers.

Plus, for a limited time you and the friend who referred you could receive a $100 bonus... each! All you need to do is complete the 4 steps below by 30 June 2024.

Just complete these steps by 30 June 2024

1

Open an Orange Everyday by clicking open now below and enter the promo code from your friend in the box at the end of the online form.

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2

Deposit $1,000+ from an external source into your new Orange Everyday account within any calendar month.

3

Make 5+ settled (not pending) purchases using your new Orange Everyday card within any calendar month.

4

Open a Savings Maximiser (if you don't have one already) then make a deposit of any amount into it.

Just click yes to adding a Savings Maximiser in the online application.

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Where to enter the promo code

To be eligible to earn your $100 bonus you must enter the promo code ASK YOUR FRIEND. Simply pop it in the box at the end of the online application form. It's the last step right before you click submit.

ASK YOUR FRIEND
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Payday's not too far away

Once all steps are completed we'll pop a $100 bonus into both your Orange Everyday account and the Orange Everyday account of the friend who referred you to ING. This could take up to 30 days after you have met all the requirements and in some cases this may take longer. Once in your account you can spend or save however you like. Maybe some new shoes or karate lessons... if that's your thing? Think of it as our way of saying welcome to ING, it's great to have you on board.

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Get your bonus working harder with Savings Maximiser

Once you have an Orange Everyday and Savings Maximiser, you can also start earning our highest available variable rate whenever you meet the monthly criteria.

Earn up to

% p.a.

Variable rate
Includes % p.a. additional variable rate. The standard variable rate is % p.a.

On one account, up to $100,000 when you also hold an Orange Everyday and each month meet the eligibility criteria - see T&Cs for full details.

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Any questions

For more about our everyday and savings accounts, simply visit Orange Everyday and Savings Maximiser.

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More from ING

  • Everyday Banking
  • Savings
  • Credit Cards
  • Home Loans
  • Insurance
  • Super

ING Refer a Friend Offer

This offer is available for a limited time only between 15 April 2024 and 30 June 2024 and is not applicable in conjunction with any other promotional offer unless expressly indicated. ING reserves the right to extend or withdraw this offer at any time at its sole discretion. If withdrawn, ING will honour the offer in respect of all Orange Everyday accounts opened using the correct promotional code before the offer is withdrawn, provided that applicants satisfy the Eligibility Criteria below. The offer applies in respect of the original recipient of this email only.

Any ING customer who refers their friend under this offer ("referrer") is not authorised to act as a representative of ING and is not otherwise acting on ING's behalf in referring their friends to ING. A referrer must:

  • only tell their friends about ING's offer; and
  • not provide any advice about financial products, such as any recommendations or opinions about the suitability of the products.

(a) Reward Eligibility Criteria:

The referrer can receive $100 for each friend they refer and their friend can receive $100 (the "offer") when the friend:

  • Opens an Orange Everyday bank account between 15 April 2024 and 30 June 2024, and enters your unique promotional code at the time of account opening (new Orange Everyday customers only). Invalid or incomplete codes will not be fulfilled;
  • Deposits $1,000 or more as a one off or cumulative payments within a calendar month from an external source (such as their pay) into their new Orange Everyday account by 30 June 2024.
  • Opens a Savings Maximiser and makes a deposit into their Savings Maximiser between 15 April 2024 and 30 June 2024 or hold an existing Savings Maximiser account and
  • Uses their new Orange Everyday card to make 5+ settled (not pending) card purchases within any calendar month between 15 April 2024 and 30 June 2024, (excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transactions), collectively the 'Eligibility Criteria'.

The offer does not apply where your friend has opened an Orange Everyday account:

  • at any point since 1 July 2014 (even if the account has now been closed); or
  • as part of an application for an Orange Advantage Home Loan.

If you have previously opened an Orange Everyday account at any point since 1 July 2014 (even if the account has now been closed), then you are ineligible for this offer.

A calendar month is one of the 12 named months that a year is commonly divided into (eg. February, March).

Card purchases include in store purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on the 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 (e.g. August 2023) which are at a 'pending status' and do not settle until the next calendar month (e.g. September 2023) count towards card purchases in that next calendar month.

If you use this offer in a manner that is not satisfactory to us or in line with the intent of the offer (such as sharing your referral code on the 'OzBargain' website or other similar websites, or advertising or marketing your referral code), we may refuse to pay the cash reward (including in respect of any or all referrals made in relation to the offer). This includes conduct on your part which is designed to undermine the fair and intended operation of the offer.

(b) Reward Payment Terms:

The referrer can receive $100 each time a friend satisfies the Eligibility Criteria set out above. So, for example, if 2 of your friends each satisfies the Eligibility Criteria, you can receive $200 into your Orange Everyday account. The friend can receive at most only one $100 payment under the offer (this includes any payment made to an account jointly held by your friend). For privacy reasons, ING will not tell you which friend met the Eligibility Criteria.

Where eligible, the Reward will be deposited into both you and your friend's Orange Everyday accounts within 30 days after the friend meets all applicable Eligibility Criteria, in some cases this may be longer. Where you or your friend have more than one Orange Everyday account, the Reward will be deposited into the Orange Everyday account with the highest balance as at the date the reward is paid. This could be an account held jointly with another account holder.

*Eligible Customers

Orange Everyday

The Orange Everyday is only available to customers that:

  • are using the account for personal use;
  • are 18 years of age or older;
  • are an Australia resident for taxation purposes;
  • have a valid Australian mobile phone number and residential address;
  • have a valid email address; and
  • meet the identification requirements.

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate currently % p.a. (that is added to the Savings Maximiser standard 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), an
  • ensure that the balance of your nominated Savings Maximiser account at the end of the month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in that month is not taken into account

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 or the additional variable rate offer at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.

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.

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 banking products and services.

Apple, the Apple App Store, Apple Pay and iPhone 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 Apple Pay Terms and Conditions and the Google Pay Visa Debit Card Terms and Conditions for ING customers are available to consider when setting up mobile payments on your eligible device.