From 15/10/2025, all Orange Everyday customers will automatically get access to 1% cashback on eligible utility bills (T&Cs apply), $0 ING international transaction fees, and $0 ING international ATM withdrawal fees - all without needing to meet any monthly eligibility requirements. For domestic ATM withdrawals, there will continue to be no fees charged by ING, but third party operator fees will no longer be rebated.

Existing Orange Everyday benefits will continue to apply up until 14 October 2025 for customers that met the eligibility criteria in September 2025.

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Tap into benefits with Orange Everyday.

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$0 ING international transaction fees

1% cashback on eligible utility bills

Australia's Most Recommended Bank

Ca-ching!
That's spends with benefits

$0 ING international transaction fees. Ca-ching! 1% eligible utility bill cashback. Ca-ching! Cashback perks. Ca-ching! And more. That’s spends with benefits. Only when you deposit and pay with Orange Everyday.

Making everyday spending surprisingly rewarding

Grabbing a coffee. Ca-ching! Getting some groceries. Ca-ching! Paying those bills. Ca-ching! Welcome to Cashback Moments, the chance-to-win promotion from ING that could make your everyday spending surprisingly rewarding.

With over 3,800 Cashback Moments and a total prize pool of $750,000 to win, it really could pay to pay with your eligible ING card. Purchases can be made using the physical or virtual card or entering the 16-digit card number to make an online purchase*, so keep using your eligible ING card as you normally would and let us handle the rest.

Promotion ends 30 November 2025 or when prizes run out.

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Cashback Moments

From 5 September to 30 November 2025, or until prizes run out, tapping or using your Orange One or Orange Everyday card to make an eligible purchase - like your morning coffee - could get a chance to win a:

$100 Quick Win prize

$1,000 Big Boost prize, or

$10,000 Ultimate Winback prize.

With over 3,800 Cashback Moments and a total prize pool of $750,000 to win, it really could pay to pay with your eligible ING card. Purchases can be made using the physical or virtual card or entering the 16-digit card number to make an online purchase, so keep using your eligible ING card as you normally would and let us handle the rest.

Promotion ends 30 November 2025 or when prizes run out.

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What makes you eligible?

You are eligible to enter this competition if you:

  • To be eligible for an entry, you need to be an Australian resident for tax purposes aged 18 years or over
  • hold an active Orange Everyday account at the time of payment,
  • be opted in to receive ING marketing messages,
  • remain opted in to receive marketing messages until 12 January 2026,
  • be the original recipient of an email from ING about the Promotion, and
  • not be in arrears or financial hardship.
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Why choose ING Orange Everyday?

$0 ING international transaction fees*

Shop online and overseas and we'll rebate any ING international transaction fees whenever you pay with your 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.

Earn cashback with ING Pocket Perks

Simply use your Orange Everyday to pay for offers from any of the 80+ brands included in ING Pocket Perks and you can get cashback straight in your pocket - no collecting useless points required.

*When you meet the monthly eligibility criteria (scroll down a tad).

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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 transactions.

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Spend and save smarter with one of the best saving rates around.

Earn our highest variable rate when you:

  • Add Savings Maximiser to your Orange Everyday
  • Meet the eligibility criteria for Orange Everyday Benefits above, and
  • Grow the balance of your nominated Savings Maximiser so it's higher than the end of the previous month (excluding interest).

Earn up to

%
p.a.

Variable interest rate

(Standard variable rate of % p.a. + additional variable rate of % p.a. on one eligible Savings Maximiser up to $100,000).

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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 prior to the 15/10/2025. Please refer to the ING website for more information about the updates to 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, August 2024 - January 2025 (n = 29,182) 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, August 2024 - January 2025 (n = 29,182). 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

*Competitor set for AFR NPS position excludes Up bank and Ubank

Ca-Ching Cashback Moments Chance to Win Promotion

Promotion runs from 5 September to 30 November 2025 or until prize pool is exhausted. Open to Australian residents aged 18+ with an active Orange Everyday account who are opted into marketing communications and remain opted into marketing communications until 12 January 2026, are the original recipient of an email from ING about this Promotion and are not in arrears or financial hardship. Entry via eligible card purchases (excluding ATM withdrawals, cash advances, pseudo cash card purchase, BPAY, pay anyone, and internal payments). Opt-in to marketing required. Total prize pool: $750,000, including prizes of $100, $1,000 and $10,000. Exclusions and T&Cs apply. The prize may have tax implications. You should seek independent tax advice.

Winners will be notified by SMS and email and published at campaigns.ing.com.au/cashback-moments-winners. Visit campaigns.ing.com.au/cashback-moments. Permits: NSW Licence No. NTP/14172; ACT Licence No. TP25/01942; and SA Licence No. T25/1456. Promoter: ING Bank (Australia) Limited, ABN 24 000 893 292. Promoter: ING Bank (Australia) Limited, ABN 24 000 893 292.

All applications are subject to ING's eligibility criteria. Orange One products are also subject to credit assessment criteria. Fees, charges and eligibility apply.

ING does not consider your objectives, financial situation or needs. You should read the product terms and conditions available at ing.com.au before deciding if the product is right for you. If you have a complaint, we have procedures in place to help resolve any issues you may have. For the best ways to contact us, visit at ing.com.au/contactus.

ING is the business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Information is current as at the date of publication and subject to change.

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, we have procedures in place to help resolve any issues you may have. For the best ways to contact us, visit at ing.com.au/contactus. 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.