Switch to Canstar Bank Of The Year - 7 Years Running

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ING

Ready for banking that actually feels good?

Open a new Savings Booster and Orange Everyday using the promo code INGNEW400, meet the monthly bonus criteria, and you could score up to $400 in bonuses over the next 3 months. T&Cs and eligibility criteria apply.

Join 2.3 million Australians

Trusted By 2.3 Million Australians

Get Growing With The All New Savings Booster

Canstar Bank Of The Year - 7 years running

Access cashback offers at 80+ retailers with ING Pocket Perks

Plus get 1% Cashback on eligible Utility Bills (Up to $100 per year) with Orange Everyday

Switch to Forbes World's Best Bank 2026

We’ve won Canstar's Bank of the Year so many times it’s hard to keep count (2020-2026). We also bagged Finder's Bank of the Year 2026. And took home Forbes World's Best Bank 2026.

Finder Awards 2026 Highly Commended – Value Pet Insurance
Canstar Bank of the Year 2020
Finder Awards 2026 Highly Commended – Features Car Insurance
Forbes World's Best Banks 2026, powered by Statista
Finder Awards 2026 Highly Commended – Low Cost Car Insurance
Canstar Bank of the Year 2021
Finder Awards 2026 Highly Commended – Bonus Savings Account
Canstar Bank of the Year 2022
Finder Awards 2026 Highly Commended – Unsecured Personal Loan
RFI.Global Australian Banking & Finance Awards 2024
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Join 2.3 million Australians

Unlock up to $400 in bonuses

New to ING savings and everyday banking? Then don’t be a stranger. Complete the steps below and earn up to $400 across your first 3 months with Canstar’s Bank of the Year 2020-2026.

Score $200

Month 1 Bonus

By 31 October 2026

  1. Open a new ING Savings Booster and new Orange Everyday using promo code: INGNEW400 via the link below.

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

Score $100

Month 2 Bonus

By 30 November 2026

  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.

Score $100

Month 3 Bonus

By 31 December 2026

  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.

Remember to include the promo code

Open both now
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Join 2.3 million Australians

Get more value from your banking with ING

It’s your perfect save-and-spend combo - because saving and spending shouldn’t need two different banks.

Savings Booster

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

  • New to ING savings? Earn up to 6.25% p.a. variable for 4 months on balances up to $500K (includes Welcome + Boost + Base rates)

  • Then earn up to 5.65% p.a. variable on balances up to $500K (Boost + Base rates)

  • A Base rate that’s always on - your money keeps growing even in months you miss the Boost

  • No ING fees, so every cent you save stays yours

Orange Everyday

Our anything-but-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 (T&Cs apply)

  • Pay $0 ING international transaction fees shopping online or overseas

  • Access ING Pocket Perks cashback offers from 80+ retailers, right in the ING app (T&Cs apply)

  • Round up card purchases with Everyday Round Up and save your spare change automatically

Rates and eligibility applies.

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Join 2.3 million Australians

Boost Your Savings With Rewarding Rates

For new to ING savings customers for 4 months

Earn up to 6.25% p.a. (variable)

Includes:

  • Welcome rate of 0.60% p.a. for the first four months on balances up to $500K.

  • Boost rate of 3.15% p.a. on balances up to $500K when you grow your balance by $100 or more each month (excluding interest).

  • Base rate of 2.50% p.a. on balances up to $2 million

6.25% p.a.

Welcome rate 0.60% p.a.

Boost rate 3.15% p.a.

Base rate 2.50% 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

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$0 monthly account-keeping fees. Yes, really…

Some everyday accounts charge monthly fees....why? With Orange Everyday there are no monthly account-keeping fees. No ING international ATM fees (other fees may apply). No minimum balance needed. Deposit cash at Australia Post (up to $2,200 per day). Get EFTPOS cash out almost anywhere. Open it. Use it. Keep your money. Simple.

Join 2.3 million Australians

Shop in Tokyo. Order from London. No ING transaction fees on overseas spending…

Japan Palestine Australia Brazil Burundi South Africa Sweden Denmark Guernsey Finland India Curacao

You already know what good banking should feel like. Fair. Transparent. Easy. At ING, your money works for you - with no monthly account-keeping fees, $0 ING international transaction fees, and real cashback at 80+ retailers with ING Pocket Perks.

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Join 2.3 million Australians

Canstar Bank of the Year 2020-2026

Canstar. Finder. Forbes. All say we're #1

We've won Canstar's Bank of the Year so many times it's hard to keep count (2020-2026). We also bagged Finder's Bank of the Year 2026. And took home 2026 Money Magazine's Bank of the Year for Young People in 2026.

Your bills? Your shopping? They pay you now.

Cashback

Get 1% cashback on eligible utility bills - up to $100 per financial year, paid back when you pay your bill from an agreed supplier via BPAY, PayTo or Direct Debit (BSB and account number) using your Orange Everyday. Plus cashback at 80+ retailers through ING Pocket Perks. No offers to activate. No points to track. T&Cs apply

ING Pocket Perks

ING Pocket Perks exists to reward your loyalty, literally! No sign-ups, no activations. Just cashback for using your Orange Everyday debit card.

How to get it:

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 card and meet the conditions from the 80+ retailers included in ING Pocket Perks!


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

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Round up every tap into savings.

Don’t ‘umm’ or ‘ah’ about how much you should be saving. You can auto round up purchases to the nearest $1 or $5 when you’re ordering a latte, paying a bill, or on a shopping spree. Save as you spend and take the hassle out of it.

Join 2.3 million Australians

Australia

Four reasons 2.3 million Australians trust us…

1.
$0 fees from ING with Orange Everyday.

No monthly account-keeping fees. No ING international ATM withdrawal fees. No ING international transaction fees. Your money stays your money.

2.
Apply in 10 minutes and get started today.

No paperwork. No branch visits. Just access to better banking ASAP.

3.
Cashback on the spending you're already doing.

Not points. Not vouchers. Real cashback at 80+ retailers with ING Pocket Perks.

4.
Bank of the Year across 3 independent awards.

All three picked us. Canstar's Bank of the Year (2020-2026), Finder's Bank of the Year 2026 and Forbes World's Best Bank 2024 to 2026.

Image 1 Image 2 Image 3
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Join 2.3 million Australians

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

Frequently Asked Questions

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

I’ve opened an account using a promo code. 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.
I have a promo code. Where can I enter it?
Enter the promo code in the ‘Promo code’ section when applying for your new Orange Everyday account.

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.
How will I know if I’m eligible for this offer?
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 that 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.
What other promotions are running?
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.
Have I completed everything I need to do?
You can check if you’ve completed most requirements in the ING app or online banking.
  • For the $200 Month 1 Bonus, check that you’ve:
    • opened both a new Orange Everyday and Savings Booster during the promotion period
    • used the promo code when applying for your Orange Everyday account
    • 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.

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 that account is now closed).
I didn’t receive my bonus. Why?
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, check 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
    • 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 at any point (excluding Living Super and ING Insurance products) since 1 July 2019, even if the account is now closed.
I completed 5 card transactions but not all are settled. Can I still receive my bonus?
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.
I want to open an account in joint names. What do I need to do?
Before you can open a Savings Booster joint account, you need to 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 each month.

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.