Orange Everyday Bank account

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$0 ING international transaction fees

1% cashback on eligible utility bills

Australia's Most Recommended Bank

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Why choose ING Orange Everyday?

Every month you deposit $1,000+ from an external source to any personal ING account in your name (excluding Living Super and Orange One) and make 5+ eligible ING card purchases that are settled (not pending) you will qualify to access the below benefits in the next calendar month.

$0 ING international transaction fees

Shop online and overseas and we'll rebate the ING international transaction fees when you pay with Orange Everyday.

1% cashback on eligible utility bills

You could get 1% cashback when you pay any eligible gas, electricity and water bills with your Orange Everyday account by BPAY, PayTo or Direct Debit using your BSB and account number (up to $100 per financial year). T&Cs apply.

Up to 5 rebated ATM withdrawals a month per account

Rebates on the ATM Withdrawals fee for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

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How to access your Orange Everyday benefits

1.

Open an Orange Everyday bank account via the website.

2.

Deposit $1,000+ from an external source to any personal ING account in your name (excluding Living Super Orange One) each month.

3.

Use your Orange Everyday to make 5+ settled (not pending) eligible ING card purchases each month - excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transaction.

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Why Orange Everyday works so well with a Savings Maximiser

Save smarter with our highest variable rate when you:

  • Add Savings Maximiser to your Orange Everyday
  • Deposit your pay of $1,000+ each month and make 5+ settled card purchases (not pending) each month
  • Grow your nominated Savings Maximiser balance so that there's more in it at the end of the current month (excluding interest) than there was at the end of the previous month
Then the following calendar month, this rate's yours:

Variable interest rate
(inc. % p.a. additional variable rate)

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Available on one Savings Maximiser account on balances up to $100,000.

Remember, if you do not satisfy the conditions to receive the additional variable rate, the Savings Maximiser standard variable rate (currently, % p.a.) applies.

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More from ING

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 the ATM Withdrawals fee 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 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 the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list at ing.com.au.

Subject to these terms and conditions, ING may change or cancel these benefits at any time.

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, February - July 2024 (n = 29,688) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, February - July 2024 (n = 29,688). MFI is defined as the bank that the consumer says is their main financial institution.

NB: 10 Largest ADI's are CBA, Westpac, NAB, ANZ, Macquarie, ING, Bendigo, Suncorp, BOQ, HSBC

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 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), and
  • ensure that the balance of your nominated Savings Maximiser account at the end of the current 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 the current 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.

Any advice in 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 an Orange Everyday, you should read the Orange Everyday Terms and Conditions booklet and the Fees and Limits Schedule at ing.com.au. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Orange Everyday is issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823.

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.