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ING Everyday Round Up to Charity

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Pay it forward with Everyday Round Up to Charity

With Everyday Round Up now you can round up your eligible Orange Everyday purchases and pay it forward to a good cause.

How to switch it on

How it works

ING has teamed up with Intelligent Foundation to deliver donations to other charities. Here's an example of how it works, say you have activated the Everyday Round Up to Charity feature and have selected to round up to the nearest $1.

You purchase a cake for a quick sugar hit for $4.05

Everyday Round Up to Charity applies to card purchases using your Orange Everyday bank account. You must opt in to Everyday Round Up to Charity and select the round up amount (nearest $1 or $5).

The round up amount of 95c is taken from your Orange Everyday to charity

When you spend with your Orange Everyday card, the Round Ups usually come out of your account in real time as you make card transactions and are non-refundable. A round up won't be debited if doing so will reduce your Orange Everyday balance below $20.

Totally $5 is deducted from your Orange Everyday - with a side of cake and a donation to charity

ING will transfer the Round Up amounts to the Intelligent Foundation every two months, who will then disburse the aggregate funds they receive from customers to charities in their network.

Total donations to date:

$71,611.30

By paying forward your small change, you can help make a difference to some of the most important causes across Australia. Collectively, here's how much ING customers have donated to date through Everyday Round Up to Charity.

Last updated: 22/02/2024

Total breakdown by categories

  • Children and youth

    $8733.47

  • Domestic and family violence

    $9125.29

  • Environmental conservation and climate action

    $11574.16

  • First Nations Australians

    $8504.55

  • Health and medical research

    $2704.44

  • International aid and humanitarian relief

    $16215.47

  • Mental Health

    $12814.99

  • Social welfare and community services

    $1938.93

Charities & Charitable Organisations

Our eligible charities have been chosen because they're genuine not-for-profits and represent the causes ING customers have told us are most important to them.

 

Categories

View all charities
Children and youth
Domestic and family violence
Environmental conservation and climate action
First Nations Australians
Health and medical research
International aid and humanitarian relief
Mental Health
Social welfare and community services
Go back

Charities

 
Aboriginal Literacy Foundation Inc logo
Aboriginal Literacy Foundation Inc
Australian Conservation Foundation Incorporated logo
Australian Conservation Foundation Incorporated
Australian Red Cross Society logo
Australian Red Cross Society
Beyond Blue Limited logo
Beyond Blue Limited
Bush Heritage Australia logo
Bush Heritage Australia
Camp Quality Limited logo
Camp Quality Limited
Canteen - The Australian Organisation For Young People Living With Cancer logo
Canteen - The Australian Organisation For Young People Living With Cancer
For Change Co. Ltd logo
For Change Co. Ltd
Full Stop Australia Ltd logo
Full Stop Australia Ltd
Gidget Foundation Australia logo
Gidget Foundation Australia
Headspace National Youth Mental Health Foundation Ltd logo
Headspace National Youth Mental Health Foundation Ltd
Landcare Australia Limited logo
Landcare Australia Limited
Lgbtiqplus Health Australia logo
Lgbtiqplus Health Australia
Lifeline Australia logo
Lifeline Australia
National Aboriginal Sporting Chance Academy (Aboriginal Corporation) logo
National Aboriginal Sporting Chance Academy (Aboriginal Corporation)
Ruok? Limited logo
Ruok? Limited
Reachout Australia logo
Reachout Australia
Skin Check Champions logo
Skin Check Champions
Taste Cultural Food Tours Inc logo
Taste Cultural Food Tours Inc
The Benevolent Society logo
The Benevolent Society
The Fred Hollows Foundation logo
The Fred Hollows Foundation
The Smith Family logo
The Smith Family
The Social Outfit Incorporated logo
The Social Outfit Incorporated
The Wilderness Society logo
The Wilderness Society
Two Good Foundation logo
Two Good Foundation
Australian Committee For Unicef Limited logo
Australian Committee For Unicef Limited
Nsw Wildlife Information Rescue And Education Service Incorporated logo
Nsw Wildlife Information Rescue And Education Service Incorporated
Women'S Community Shelters Limited logo
Women'S Community Shelters Limited

Have another charity in mind?

We are always looking for more good causes to support.

Good Cause Calculator

See the potential impact of your everyday purchases

Committing to giving is one thing, knowing it's making a real difference is another. With ING Everyday Round Up to Charity you can rest assured 100% of your donations go to charity. For an estimate of how your everyday purchases could help make a real impact to a worthy cause, just use our good cause calculator below.

Simply:

1

Select an everyday purchase you make

2

Pick the frequency and round up amount

3

Choose the type of charity you'd like to support

4

See the impact your rounds up could make

Please select your common expenses (multi-select)

Frequency

Round up to nearest

How much you can donate
$-.--
per
month

What impact can you make with

Disclaimer: The calculator is for illustrative purposes only and provides examples of what the costs, round up amounts and potential impacts could be. The data has been sourced by YouGov, based on a survey of 1,024 Australians aged 18 years and older. The information is up to date as at 23 February 2023. The descriptions of potential impacts are current as at March 2023 and have been provided to ING by the respective charities. If you have any questions about any of the impact information, contact the charities directly.

How to switch it on

To start rounding up you need an Orange Everyday account. You can then switch on Everyday Round Up to Charity in just a few clicks using the ING app or online banking.

1. Login to your ING app

2. Click the arrow next to the Orange Everyday account name you want to use and select Everyday Round Up from the dropdown menu

3. Select 'Round Up to Charity' and follow the prompts to select a charity you'd like to support

4. 4. Choose if you want to round up to the nearest $1 or $5... and you're done!

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

1. Login to online banking at ing.com.au

2. Head to Manage accounts > Everyday Round Up

3. Select the Orange Everyday account you want to use and follow the prompts to select a charity you'd like to support

4. Choose if you want to round up to the nearest $1 or $5... and you're done!

Why round up?

Help a cause

By rounding up the small change when you spend with Orange Everyday you could help make.

Easy set-up

Set up in-app in seconds and see your donations in the-app, online banking and via OE statements. Plus you can switch them on or off or change where they go anytime.

Unlock tax deductions

Your donations may be tax deductible. Please refer to our FAQ for more information or seek your own independent tax advice.

FAQs

How does Everyday Round Up to Charity work?

Once you've switched on the feature and nominated a charity, the round up amount automatically leaves your Orange Everyday account every time you make an eligible card transaction.

This round up amount is first transferred to an ING holding account. Then, typically every two months, ING transfers all money in this account to a charity called Intelligent Foundation.

Intelligent Foundation then makes donations to nominated charities - they usually do this within 35 days of receiving the funds from ING.

This way, the charities don't receive lots of little donations and they save on administration costs.

Yes! You can claim a tax deduction provided you've donated $2 or more within the financial year via Everyday Round Up to Charity.

Remember, ING transfers the donations on your behalf to Intelligent Foundation who disburses the funds to participating charities. This means that your donation is to Intelligent Foundation, who is a Deductible Gift Recipient for tax purposes.

Most Everyday Round Up to Charity transactions will be paid to Intelligent Foundation within the same financial year. However, Everyday Round Up to Charity transactions debited from your account within the last 14 days of a financial year will not be included in the total amount for that financial year. Instead, these Round Ups will be included in the following year's total amount, due to processing time.

Should you require evidence of donations made via Everyday Round Up to Charity, your quarterly Orange Everyday statement details each Everyday Round Up to Charity transaction and summarises the total Rounded Up to Charity financial year to date. The total Rounded Up to Charity stated on your April - June statement reflects the amount donated to Intelligent Foundation on your behalf in that financial year. We recommend that you retain your April - June statement as written evidence to support your tax deduction claim.

A charity tax receipt is not available as we don't share your personal data with Intelligent Foundation.

For joint accounts, tax deductions generally should be shared equally between each account holder i.e. 50% for each person.

This does not constitute tax advice. Please seek your own independent professional tax advice as required.

For more information, please refer to ATO Product Ruling 2021/16 ING Bank (Australia) Limited - Orange Everyday Round Up to Charity.

The Product Ruling is only a ruling on the application of the taxation law; and is only binding on the ATO if the scheme is implemented in the specific manner outlined in the product ruling.

The Commissioner of Taxation (Commissioner) does not sanction, endorse or guarantee the ING Everyday Round Up to Charity feature. Further, the Commissioner gives no assurance that the ING Everyday Round Up to Charity feature is commercially viable, that charges are reasonable, appropriate or represent industry norms, or that any projected returns will be achieved or are reasonably based. You must form your own view about the commercial and financial viability of the ING Everyday Round Up to Charity feature. You should consult an independent financial, tax or other adviser for such information.

Yes.

For joint Orange Everyday accounts, tax deductions generally should be shared equally between each account holder.

So, if there are two account holders, each account holder generally claims 50% of the eligible donation regardless of whether one or both of the account holders have activated the Everyday Round Up to Charity feature.

Here's an example of how it works.

When 1 joint account holder rounds up to charity When 2 joint account holders round up to charity
If a $10 donation is made from the joint account by one account holder, each joint account holder may claim $5 as a tax deduction. If a $10 donation is made, with $7 from one account holder and $3 from the other, each joint account holder may claim $5 as a tax deduction.

Please note this does not constitute tax advice. We recommend you seek independent tax advice about the tax implications of ING Everyday Round Up to charity.

For more information, please refer to ATO Product Ruling 2021/16 ING Bank (Australia) Limited - Orange Everyday Round Up to Charity.

The Product Ruling is only a ruling on the application of the taxation law; and is only binding on the ATO if the scheme is implemented in the specific manner outlined in the product ruling.

The Commissioner of Taxation (Commissioner) does not sanction, endorse or guarantee the ING Everyday Round Up to charity feature. Further, the Commissioner gives no assurance that the ING Everyday Round Up to charity feature is commercially viable, that charges are reasonable, appropriate or represent industry norms, or that any projected returns will be achieved or are reasonably based. You must form your own view about the commercial and financial viability of the ING Everyday Round Up to charity feature. You should consult an independent financial, tax or other adviser for such information.

100%! All fees and costs are covered by ING and no third party takes a cut from your donations.

All donations are given to charities as unrestricted funds so they can decide how to maximise the value and impact of your donation.

Of course, you can switch to another one of the charities available through the Everyday Round Up to Charity feature. To switch, just login to the ING app or online banking at ing.com.au

Online Banking:

  • Log in to Online Banking
  • Select 'Manage Accounts'
  • Select 'Everyday Round Up'
  • Select Card from 'Roundup spending from Card'
  • Follow the prompts to select new Category and Charity
  • Click on "Agree and save" button to Save new charity details.

Mobile App:

  • Click the drop down Menu
  • Select 'Everyday Round Up' from the list of options
  • Select Card from 'Roundup spending from Card'
  • Follow the prompts to select new Category and Charity
  • Click on "Agree and save" button to Save new charity details.

You can only nominate one charity, per Orange Everyday card, at any one time via Everyday Round Up to Charity. But if you want to spread the love you can switch your nominated charity anytime - just login to the ING app or online banking at ing.com.au

You can only round up to:

  • charity, or
  • your nominated Savings Maximiser, or
  • your eligible ING Home Loan

This means that if you only have one Orange Everyday card, you can only round up to one of the above at any one time. However, if you have two Orange Everyday cards, you could select two of those options - one per card.

Yes! To see how much you have donated in total via Everyday Round Up to Charity in the financial year, simply login to the app or ing.com.au or open your Orange Everyday statement.

Each Everyday Round Up to Charity transaction is detailed on your Orange Everyday statement. Your Orange Everyday statement also contains a summary of how much you've rounded up to charity financial year to date.

Easy. You can do this through the ING app or online banking at ing.com.au

Online Banking:

  • Log in to Online Banking
  • Select 'Manage Accounts'
  • Select 'Everyday Round Up'
  • Click 'Switch off round up' button and confirm

Mobile App:

  • Click the drop down Menu
  • Select 'Everyday Round Up' from the list of options
  • Click 'Switch off round up' button and confirm

Refunds are not possible. If there's been an unauthorised transaction on your card which triggered an Everyday Round Up to Charity transaction, ING may be able to credit your account with this Round Up Amount. To enquire, please call us on 133 464.

ING has teamed up with Intelligent Foundation to disburse donations to other charities via Everyday Round Up to Charity.

Intelligent Foundation Ltd is a registered charity with the Australian Charities and Not-for-profits Commission (ABN 48 156 978 613) and is endorsed by the Australian Taxation Office as a 'Type 2' Deductible Gift Recipient.

While Intelligent Foundation endeavours to disburse your donation to the charity you have nominated, they have discretion on the funds. For example, they could use this discretion in the rare event that your nominated charity can't be funded (for instance if the charity lose their licence or fail an important compliance check). In this scenario, your donation could be used to support another charity available through the Everyday Round Up to Charity that works in a similar impact area.

We conducted research to understand the social causes that are most important to ING customers and Australians generally and what types of charities they'd like to support.

Within each social cause category, customers told us they want some range and choice - but not too much! So we've aimed to get the balance right.

Just as society continues to change, the charity list might change from time to time too.

While ING doesn't accept responsibility for the charities available through the Everyday Round Up to Charity feature, we do ensure they are registered with the Australian Charities and Not-for-profits Commission (ACNC) and are endorsed by the Australian Taxation Office as a 'Type 1 Deductible Gift Recipient. Additionally the charities are:

  • Not identified as subject to sanctions by the ACNC
  • Not known to be associated with money laundering or terrorism
  • Not associated with adverse media

In the rare event your nominated charity cannot be funded (for example, they lose their charity licence), it will be removed from the list of charities available to nominate.

If your nominated charity is removed, Everyday Round Up to Charity will be automatically switched off. You'll also get an email notification to let you know. You can then switch it back on and nominate a new charity when you're ready.

Any round up amounts that have not yet been disbursed to this charity (either because they are in the ING holding account or because they're still with Intelligent Foundation), will be reallocated, at the discretion of Intelligent Foundation, to a similar charity available through the Everyday Round Up to Charity feature.

No, we anonymise your personal data so third parties (including the charities) can't access your personal details.

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

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 Maximiser account or to charity. A round up will not be debited if doing so would reduce your Orange Everyday balance below $20.

Through Everyday Round Up to Charity, you can nominate a charity that you would like to support. Round ups will be transferred first to an ING holding account, where it may be held for up to 65 days, after which they will be paid as a donation on your behalf to Intelligent Foundation ABN 48 156 978 613 (Intelligent Foundation), a registered charity. While Intelligent Foundation endeavours to pay your donation to the charity you have nominated to support, it has discretion to pay your donation to any charity in its network (which it may do if, for example, the charity you've nominated cannot be funded). Please refer to the Orange Everyday Terms and Conditions for full details.

Donations via Everyday Round Up to Charity totalling $2 or more within the financial year are tax deductible. Your donation is sent to Intelligent Foundation who is a Deductible Gift Recipient. Intelligent Foundation delivers donations to other charities. This does not constitute tax advice.

This website 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, please call us at any time as we have procedures in place to help resolve any issues you may have.

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.