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do your thing

$100 bonus. Start your savings with a boost.

When you open a Savings Booster and Orange Everyday, and meet offer criteria by 30 September 2026.

T&Cs and eligibility criteria apply.
Open both now

$0 ongoing account fees

1% cashback on eligible utility bills with Orange Everyday

Get growing with the all new Savings Booster

Get more value from your banking with ING

New to ING savings and everyday banking? Then don't be a stranger. Complete the steps below and we'll throw in a $100 bonus to say welcome to Canstar's Bank of the Year 2020 - 2026, awarded 7 years running in recognition of the outstanding value ING offers across all our products and services.

Just complete these 3 steps

To unlock your $100 welcome bonus, simply complete the following 3 steps by 30 September 2026.

1

Apply for a new ING Savings Booster and new Orange Everyday via the link below using promo code: BONUS100

2

Deposit $1,000 or more from an external source (such as your pay) into your Orange Everyday.

3

Make at least 5 eligible transactions with your Orange Everyday card by 30th September 2026.

Remember to include promo code:

BONUS100

Where indicated on your Savings Booster and Orange Everyday applications.

Open both now

It's your perfect save-and-spend combo

By opening a Savings Booster and Orange Everyday,

you could tap into the below benefits to make even more of your everyday.

Savings Booster

Saving is in with our high variable interest savings account that rewards you for saving.

New to ING savings? Earn up to

%
p.a.

Variable for 4 months on up to $500K.
Includes Welcome + Boost + Base rates

Then, earn up to

%
p.a.

Variable on up to $500K.
Includes Boost + Base rates

  • Base rate that's always on even when you're off so your money keeps growing even if you don't meet the monthly Boost.

  • No ING fees so every cent you save is yours

Orange Everyday

Our anything-but-everyday everyday account with no ongoing ING fees and cashback on your eligible spending.

  • Earn 1% cashback on eligible utility bills paid from your Orange Everyday account (T&Cs apply).

  • Pay $0 ING international transaction fees when you shop online and overseas with your Orange Everyday card.

  • Access ING Pocket Perks cashback offers from a range of merchants viewable in your ING app (T&Cs apply).

  • Everyday Round Up and automatically round up your Orange Everyday card purchases. Find out more

Boost your savings with rewarding rates

For new to ING savings customers for 4 months

Earn up to % p.a. (variable)

Includes:

  • Welcome rate of % p.a. for the first four months on balances up to $500K.
  • Boost rate of % p.a. on balances up to $500K when you grow your balance by $100 or more each month (excluding interest).
  • Base rate of % p.a. on balances up to $2 million.
  • % p.a.
  • Welcome rate % p.a.
  • Boost rate % p.a.
  • Base rate % p.a.
  • $0
  • $500k
  • $2 million

After the first 4 months, or if you're not new to ING savings

Earn up to % p.a. (variable)

Includes:

  • Boost rate of % p.a. on balances up to $500K when you grow your balance by $100 or more each month (excluding interest).
  • Base rate of % p.a. on balances up to $2 million.
  • % p.a.
  • Boost rate % p.a.
  • Base rate % p.a.
  • $0
  • $500k
  • $2 million

No interest applies to any portion of an account balance over $2 million.

For more information on rates, check out the Savings Booster Rates Schedule.

See how much you could earn?

Estimate your interest-earning potential in seconds with our simple savings calculator.

Savings Calculator

Pocket cashback when you spend

Points are cute. But cash is better. That's why ING Pocket Perks rewards your loyalty with cashback when you use your Orange Everyday card to pay at over 80 merchants.

How to get it:

We don't believe in activating offers. Just rewards that turn up.

No sign-ups, no activation. All offers are now viewable in your ING app, under ING Pocket Perks.

How it works:

Keep doing your thing and enjoy cashback into your pocket when you use your Orange Everyday or Orange One and meet the conditions from the 80+ brands included in ING Pocket Perks!

Your offers are already live. Login to your ING app today to discover this month's hottest offers.

Don't have the app? Download it now.

Download ING App on App Store Download ING App on Google play
Find out more

Manage your account anywhere, anytime

See if you're tracking towards the Boost rate each month.

Transfer funds on the go from your phone.

Stay alert with instant push notifications.

Simply download the ING app named 'Do your thing' from your device app store and follow the prompts to set up. Always check that the official app developer name is 'ING Australia'.

Download ING App on App Store Download ING App on Google play

Save with someone you can trust

We're awarded and recommended.

Australia's most recommended bank

According to RFI Global's Consumer Atlas Survey, November 2025 - April 2026.

Government protected up to $250K

Combined eligible balances up to $250,000 per account holder are protected under the Australian Government's Financial Claims Scheme.

Get started

To be eligible to open a Savings Booster you need to:

  • Be 18 years or over
  • Be an Australian resident for tax purposes
  • Have an Australian residential address and phone number
  • Hold, or open, an active and unrestricted Orange Everyday account in the same name as the Savings Booster (Joint applicants will need to open an Orange Everyday first.)
  • Be able to submit your application for yourself online
  • Not already hold a Savings Booster in the same name
  • Be using the account for personal use.

When applying, you'll need:

  • A valid ID (e.g. Physical driver's licence, Passport or Photo ID card)
  • Approx 5-10 min

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 Australian resident for taxation purposes;
  • have a valid Australian mobile phone number and residential address;
  • have a valid email address; and
  • meet the identification requirements.

You can withdraw money from your Savings Booster anytime by transferring funds to your:

  • Orange Everyday
  • Savings Maximiser, Savings Accelerator, Mortgage Simplifier or Orange Advantage that's linked to an Orange Everyday, or
  • another Savings Booster.
do your thing

More from ING

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

Savings Booster

An active and unrestricted Orange Everyday held in the same name(s) as the Savings Booster is required.

Customers cannot hold more than one Savings Booster account in the same name.

The combined total deposits in all your Savings Booster account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).

Current rates and eligibility criteria are set out in the Savings Booster Rates Schedule.

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 Savings Booster or Orange Everyday you should read the Savings Booster Terms and Conditions and Savings Booster Rates Schedule, the Orange Everyday Terms and Conditions booklet and Everyday Banking Fees & Limits Schedule, and the product Target Market Determinations. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Combined balances up to $250,000 per account holder may be guaranteed by the Australian Government

Orange Everyday

Orange Everyday utility bill offer

1% cashback on eligible utility bill payments, up to $100 per Orange Everyday, per financial year. An eligible utility bill payment is a payment made by BPAY, direct debit (BSB and account number), or PayTo 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.

ING Pocket Perks

ING Pocket Perks is a rewards program for Orange Everyday Debit Card holders and Orange One Credit Card holders aged 18 years and older. ING Pocket Perks offers are subject to specific eligibility requirements set by the merchant providing the offer, and these details will be displayed in the ING app. Cashback is usually credited within 7 days of a qualifying purchase being fully processed. ING Pocket Perks offers are also subject to the Orange Everyday Terms & Conditions or Orange One Terms & Conditions that correlate to the card you hold. Offer information displayed in the ING app is provided by participating merchants. ING Bank (Australia) Limited makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the offer information. Offers are for a limited time only and subject to change. ING and merchants reserve the right to vary, update or remove offers at any time.

ING uses your personal information (including transactional data) for data analytics and to communicate with you regarding products, services and promotions that we think would be of interest to you. See our Privacy Policy at ing.com.au for more information on how ING handles your personal information.

Cashback payments may have tax implications, we recommend you seek tax advice from an independent tax advisor.

Each Orange Everyday and Orange One card you hold will be automatically enrolled into ING Pocket Perks. Enrolment usually happens within 24 hours of card activation, however in some rare cases it could take up to 90 days. You can make sure that your card is enrolled by logging into the ING app, navigating to your card, then selecting "ING Pocket Perks".

For full terms and conditions, see the Orange Everyday Terms and Conditions and Fees and Limits Schedule, Orange Everyday Target Determination and the agreed utility supplier list at ing.com.au.

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), Savings Booster or Savings Maximiser account. A round up will not be debited if doing so would reduce your Orange Everyday balance below $20. Full details at ing.com.au.

The Apple App Store is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google LLC.

Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

$100 Cashback Bonus

You will be eligible for the $100 Cashback Bonus if you complete the below steps (the 'Eligibility Criteria') between 2 September 2026 and 30 September 2026 (the 'Promotion Period'):

  • Either apply for a new Orange Everyday and a new Savings Booster at the same time using the promo code BONUS100, or apply for a new Orange Everyday using the promo code BONUS100 and then apply for a new Savings Booster; using the promo code BONUS100
  • Deposit $1,000 or more into your Orange Everyday account, as a single deposit or multiple deposits, from an external source (such as your pay); and
  • Make at least 5 eligible card purchases^ using your Orange Everyday debit card, that are settled (and not at a "pending" status) by 30 September 2026.

^Eligible card purchases include in store or EFTPOS purchases, online purchases, regular card payments, Visa Contactless, Apple Pay, and Google Pay transactions made with your new Orange Everyday debit card. A purchase is 'settled' once it has been fully processed by the end of the Promotion Period.

Once you've met the Eligibility Criteria, ING will make a single payment of $100 to you within 60 days (although in some cases this may take longer). The payment will be made into your new Orange Everyday account held in your name, provided that account is active and not restricted at the time of payment. If you hold more than one such Orange Everyday account, the payment will be made into the account with the highest balance - which may be a jointly held account.or the avoidance of doubt, a customer who meets the Eligibility Criteria can only receive the $100 payment once, even if:

  • they meet the Eligibility Criteria more than once; or
  • the payment is made into a jointly held Orange Everyday account.

This offer is only available to customers who have not held an Orange Everyday account or a Savings Booster account at any point since 1 July 2019 (even if that account is now closed)

This offer is available for a limited time only and cannot be used together with any other promotional offer, unless we expressly say otherwise. ING may, acting reasonably, extend or withdraw this offer at any time, at its sole discretion, and will let you know if it does so. This cashback offer may have tax implications, and you should seek independent tax advice.

Canstar Bank of the Year 2020 - 2026: Canstar has awarded ING Bank of the Year 2026 for the seventh year in a row, recognising the outstanding value ING offers across all our products and services

Australia's #1 Most Recommended Bank - RFI Global Consumer Atlas Survey

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246) when compared to customers of the 10 largest ADIs operating in Australia amongst Any Financial Relationship (AFR) customers. ING is Australia's fifth largest main financial institution (MFI) with 5% market share according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246). AFR customers is defined as those who hold any product with the bank, even if the bank is not their MFI. MFI is defined as the bank that the consumer says is their main financial institution.

1ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, November 2025 - April 2026 (n = 29,465) when compared to customers of the 10 largest authorised deposit-taking Institutions operating in Australia amongst AFR customers.