ING logo

Move your banking.
Boost your balance.

Score up to
$400.

T&Cs and eligibility criteria apply.
Start my saving spree

Score up to $400

Score up to

$400

When you open a Savings Booster and Orange Everyday using the promo code INGWELCOME and meet the monthly bonus criteria.

Find out more
Plus

Earn up to % p.a.

Earn up to

%
p.a.

Variable rate for 4 months on up to $500K when new to ING savings. Includes Welcome + Boost + Base rates.

More about Savings Booster and Orange Everyday

Jump to:

New to ING? Unlock up to $400 in bonuses

Saving is in. So to give your savings some momentum, move your banking to ING and meet the monthly bonus criteria, and watch your bonuses grow. Offer available for new customers - check the eligibility here.

Month 1 Bonus

By 31 October 2026:

Score $200

1

Open a new ING Savings Booster and new Orange Everyday using promo code: INGWELCOME via the link below.

2

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

Month 2 Bonus

By 30 November 2026:

Score $100

1

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

2

Make at least 5 eligible transactions* with your Orange Everyday card.

Month 3 Bonus

By 31 December 2026:

Score $100

1

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

2

Make at least 5 eligible transactions* with your Orange Everyday card.

Your promo code:

INGWELCOME

Remember to include the promo code INGWELCOME

Open both now
Frequently asked questions
How will I know if I'm eligible for this offer?
When will I be paid my bonus?
How do I open an account in joint names?
What are eligible transactions*?
More about Savings Booster and Orange Everyday
See all FAQs

It's your perfect save-and-spend combo

Grow your savings with Savings Booster, spend with Orange Everyday.

Savings Booster

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

Get a 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.

Pay no ING fees so every cent you save is yours.

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

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.

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.

Orange Everyday

Our anything-but-everyday everyday account with no ING fees and cashback on 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 brands viewable in your ING app (T&Cs apply).

Set up ING Everyday Round Up to automatically round up eligible card purchases to your Savings Booster.

Your Savings Booster requires an active Orange Everyday account in the same name. Joint applicants will need to open an Orange Everyday first.

Your promo code:

INGWELCOME

Remember to include the promo code INGWELCOME

Open both now
You'll need...

To meet the eligibility requirements

A valid ID (e.g. Physical driver's licence, Passport or Photo ID card)

Approx 5-10 min

To open a Savings Booster, you need an active Orange Everyday account in the same name. If you don't have one already, you can open one at the same time. Joint applicants will need to open an Orange Everyday first.

Save with someone you can trust

Consistently awarded for outstanding value, government protected for extra peace of mind.

Canstar Bank of the Year 2020 - 2026

ING has been awarded Canstar Bank of the Year for 7 years running, in recognition of the outstanding value we offer across all our products and services.

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.

Frequently asked questions

Get quick answers to common questions. Like, 'When will I receive my bonus?'

Each month you meet the monthly bonus criteria, your bonus will be paid into your Savings Booster account within 60 days, although in some cases it may take longer.

Your Savings Booster account must be active and not restricted when the payment is made. If you hold more than one such Savings Booster account, the payment will be made into the account with the highest balance - which may be a jointly held account.

Enter the promo code in the 'Promo code' section when applying for your new Orange Everyday account and Savings Booster account if applying at the same time.

If you apply for your new Orange Everyday and Savings Booster separately, you only need to enter the promo code when opening your Orange Everyday account.

Just be sure you use the same personal details so we can match both accounts.

To be eligible, you must:

  • Not have held an ING account, excluding Living Super and ING Insurance products (Home & Contents, Car, Motorcycle, Travel and Pet), at any point since 1 July 2019, even if the account is now closed.
  • During the promotion period either:
    • open a new Orange Everyday and Savings Booster at the same time using the promo code
    • open a new Orange Everyday using the promo code, then open a new Savings Booster.
  • Meet the monthly bonus criteria for each month in which you want to earn a bonus.
  • You'll receive the variable Welcome rate on your first Savings Booster if you (and any other joint account holder) have never held a personal savings account with ING before. The Welcome rate applies for the first 4 months on balances up to $500,000.
  • Personal savings accounts includes Savings Booster, Savings Maximiser, Savings Accelerator and Personal Term Deposit
  • For full eligibility criteria and the latest Savings Booster interest rates, check out https://www.ing.com.au/rates-and-fees/savings-interest-rates.html.

ING runs different promotions from time to time and may contact eligible customers about available offers, so please make sure your contact details are up to date.

This offer cannot be used with another promotional offer unless ING expressly says otherwise.

We will send you a confirmation email within 7 business days if you've entered the code correctly and have never held an ING account, excluding Living Super and ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) products, at any point since 1 July 2019 (even if that account is now closed).

If you do not receive this email, it may be because your account is still pending or you have held an account with us previously.

Remember, you will need to meet the monthly bonus criteria to receive your bonus.

You can check if you've completed most requirements in the ING app or online banking.

  • For the $200 Month 1 Bonus, make sure that you:
    • opened both a new Orange Everyday and Savings Booster during the promotion period
    • used the promo code when applying for your Orange Everyday account (We will send you a confirmation email within 7 business days if you've entered the code correctly and have never held an ING account, excluding Living Super and ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) products, at any point since 1 July 2019 (even if that account is now closed)).
    • deposited a total of $1,000 or more from an external source into an Orange Everyday account in your name during the promotion period.
  • For the $100 Month 2 Bonus and $100 Month 3 Bonus, check that you've:
    • deposited a total of $1,000 or more from an external source into an Orange Everyday account in your name during the relevant month
    • made at least 5 settled (not pending) eligible purchases using your Orange Everyday card during the relevant month.

If you meet the bonus criteria for a month, the applicable bonus will be paid into your Savings Booster account within 60 days, although in some cases it may take longer. Your Savings Booster account must be active and not restricted when the payment is made. If you hold more than one such Savings Booster account, the payment will be made into the account with the highest balance - which may be a jointly held account.

Please note: the offer does not apply if you've held an ING account, excluding Living Super and ING Insurance products (Home & Contents, Car, Motorcycle, Travel and Pet), at any point since 1 July 2019, even if the account is now closed.

You may not have met one or more of the monthly bonus criteria.

You can check if you've completed most requirements in the ING app or online banking.

  • For the $200 Month 1 Bonus, make sure that you:
    • opened both a new Orange Everyday and Savings Booster during the promotion period
    • used the promo code when applying for your Orange Everyday account (We will send you a confirmation email within 7 business days if you've entered the code correctly and have never held an ING account, excluding Living Super and ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) products, at any point since 1 July 2019 (even if that account is now closed)).
    • deposited a total of $1,000 or more from an external source into an Orange Everyday account in your name during the promotion period.
  • For the $100 Month 2 Bonus and $100 Month 3 Bonus, check that you:
    • deposited a total of $1,000 or more from an external source into an Orange Everyday account in your name during the relevant month
    • made at least 5 settled (not pending) eligible purchases using your Orange Everyday card during the relevant month.

If you met all of the bonus criteria for a month, please allow up to 60 days for the bonus to be paid into your Savings Booster account, although in some cases it may take longer. Your Savings Booster account must be active and not restricted when the payment is made. If you hold more than one such Savings Booster account, the payment will be made into the account with the highest balance - which may be a jointly held account.

Please note: the offer does not apply if you've held an ING account, excluding Living Super and ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) products, at any point since 1 July 2019, even if the account is now closed.

For the Month 2 and Month 3 bonuses, at least 5 card purchases must be settled (not pending) by the end of the relevant month.

Purchases that are still pending will not count towards the requirement.

Eligible card purchases include in-store purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made using an Orange Everyday card.

Before you can open a Savings Booster joint account, you need have an Orange Everyday account in the same joint names.

So here's what to do:

  • First, open a new Orange Everyday joint account using the promo code.
  • Next, open a new Savings Booster joint account in the same names.
  • Then, complete the monthly bonus criteria.

Please note:

  • You only need to enter the promo code when opening your Orange Everyday.
  • If your bonus is paid into a joint account, you can only receive each monthly bonus once.

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.

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.

Savings Booster and Orange Everyday offer up to $400 Offer

This offer commences on 12 October 2026 and ends on 31 October 2026 (Promotion Period). This offer is only available to customers who have not held an ING account (excluding Living Super and ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) products) at any point since 1 July 2019 (even if that account is now closed).

Up to $400 Bonus

Subject to these terms, during the Promotion Period, if you meet the 'Account Opening Criteria' and then for each calendar month that you meet the 'Monthly Bonus Criteria' (together, the 'Eligibility Criteria') you will be eligible to receive the respective bonus for that month.

Account Opening Criteria

OPEN YOUR ACCOUNTS

  • During the Promotion Period, either open a new Orange Everyday and a new Savings Booster at the same time using the promo code INGWELCOME, or open a new Orange Everyday using the promo code INGWELCOME and then open a new Savings Booster; and

Monthly Bonus Criteria

EARN YOUR FIRST BONUS ($200)

  • In the Promotion Period, deposit $1,000 or more into an Orange Everyday account in your name, as a single deposit or multiple deposits, from an external source (such as your pay);

EARN YOUR SECOND BONUS ($100)

  • Between 1 November 2026 and 30 November 2026:
    • Deposit $1,000 or more into an Orange Everyday account in your name, as a single deposit or multiple deposits, from an external source (such as your pay); and
    • Make 5+ settled (not pending) card purchases* using your Orange Everyday debit card.

EARN YOUR THIRD BONUS ($100)

  • Between 1 December 2026 and 31 December 2026:
    • Deposit $1,000 or more into an Orange Everyday account in your name, as a single deposit or multiple deposits, from an external source (such as your pay); and
    • Make 5+ settled (not pending) card purchases* using your Orange Everyday debit card.

*Card purchases include in store purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday 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.

For each month that you meet the Monthly Bonus Criteria, ING will make the single bonus payment to you within 60 days (although in some cases this may take longer). The payment will be made into your new Savings Booster 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 Savings Booster account, the payment will be made into the account with the highest balance - which may be a jointly held account. For the avoidance of doubt, a customer who meets the Eligibility Criteria can only receive each monthly bonus payment once, even if:

  • they meet the Account Opening Criteria more than once; or
  • they meet the same Monthly Bonus Criteria more than once in a calendar month; or
  • the bonus payment is made into a jointly held Savings Booster account.

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.

Remember to include the promo code:

INGWELCOME

Open both now