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With the average Aussie home spending around $5,000 a year on water, gas and electricity, every cent saved counts.1 That's why we're introducing our 1% cashback offer on eligible utilities to help ease the *ouch* of utility bills!

1. ING Cost of Australian Household Utilities research conducted by YouGov in July 2021.

1% Cashback is here

That's right, we're introducing our Orange Everyday cashback offer to our banking benefits to help ease the *ouch* of utility bills, with up to $100 cashback per financial year.

So how can you access this benefit? Just follow these three simple steps.

1.

Meet the monthly criteria

This hasn't changed, to qualify for benefits each calendar month all you need to keep doing is:

  • deposit $1,000 or more from an external source into any personal ING account in your name (excluding Living Super and Orange One), and
  • make 5 or more settled (not pending) eligible ING card purchases.

When you meet the criteria in a calendar month, the benefits will apply in the next calendar month.

Important information: For full details see the Orange Everyday Benefits Schedule.

2.

Check your utility bill is eligible

Click the link below to see if your household gas, water and electricity suppliers are included. We have most Australian utility suppliers covered.

See eligible utility providers
3.

Get set up with BPAY or direct debit today

If you don't already use BPAY or direct debit to pay bills, no sweat. Set it up now and you'll be one step closer to accessing the new cashback benefit.

Set up BPAY

To get set up with BPAY all you need is the BPAY Biller Code and Reference Number printed on your latest utility statement. Then just login to your online banking or use the ING app to set it up on the spot.

Watch how to set up BPAY

Set up direct debit

To set up direct debit from your account (not your card) just have our BSB 923-100 and your Orange Everyday account number handy. Then simply contact your utility provider to complete a direct debit authorisation.

The benefits don't end there

Meet the eligibility criteria each month and you'll get these benefits too.

$0 ING international transaction fees

Unlimited rebates on transaction fees on eligible online and overseas purchases.

Rebates on ATM fees

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

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)

Open a Savings Maximiser today

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.

Heads up if you've got a home loan with us

If you've got an ING Home Loan we've got great news - you'll automatically qualify for all of our Orange Everyday benefits every month without having to meet the monthly eligibility criteria.

Think of it as our monthly thank you for making ING part of your home.

For the 1% cashback benefit, as mentioned above, you'll need to check that your utility bill meets the requirements and make sure you pay it with your Orange Everyday through BPAY or direct debit using your account number and our BSB (not your card).

Got a question?

For full details about Orange Everyday benefits available, download the Orange Everyday Benefits Schedule. Or for quick answers to common questions, check out the FAQs. We're also here to help 24/7 on 133 464.

Download Benefits Schedule See FAQs

When you need us

For questions or anything else, we're here to help.

Contact
Here for you 133 464

ing.com.au/contactus

Address
Visit us at ING Lounge

60 Margaret Street, Sydney

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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 (when available) 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.

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 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 an Orange Everyday, you should read the Terms and Conditions booklet and the Fees and Limits Schedule and Everyday Rewards Schedule. 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 229823.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.