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You've been referred.

Get a bonus when you successfully open a transaction and savings account by 30 November 2026.

T&Cs and eligibility criteria apply.
Use code: Ask your friend

$0 ongoing account fees

1% cashback on eligible utility bills with Orange Everyday

Get growing with the all new Savings Booster

Bonus for you, bonus for them

ING is Australia's most recommended bank. And thanks to a referral from a friend, you could score a bonus for joining us. To say welcome to you (and thanks to the friend who referred you), you'll each get a bonus when you successfully open an Orange Everyday and Savings Booster and meet all the requirements of the offer by 30 November 2026.

All you need to do is complete the 3 steps below.

Find out more

Here's what you need to do

To bank a welcome bonus, you must be new to Savings Booster and Orange Everyday. Once you have your code, you need to complete the following 3 steps by 30 November 2026.

1

Open a Savings Booster and Orange Everyday

Open a Savings Booster and Orange Everyday account at ing.com.au/savingsbooster and enter your referral code (you can ask your friend for it) in the promotion box at the end of the online form.

Your referral code:

Ask your friend

2

Deposit $1,000

Deposit $1,000+ from outside ING into your new Orange Everyday account within a calendar month.

3

Make 5+ settled (not pending) purchases

Make 5+ settled (not pending) purchases using your new Orange Everyday card within a calendar month.

Open both accounts now

You'll then get a bonus each

Once you complete all steps, we'll pop a bonus into your Orange Everyday and the Orange Everyday of the friend who referred you. This can take up to 30 days after you meet the requirements and in some cases may take longer.

Orange Everyday

The everyday transaction account with benefits

  • $0 ING international transaction fees
  • 1% cashback on eligible utility bills
  • ING Pocket Perks cashback offers
  • And more

Savings Booster

The savings account that rewards you for saving

  • Simple monthly Boost rate criteria
  • Earn a Base rate, even if you miss the Boost rate
  • Dip into your savings whenever you want
Open both accounts now

New to ING Bank?

Earn up to

%
p.a.

Variable for 4 months on up to $500K.
Includes Welcome + Boost + Base rates

More about rates and eligibility

Then, earn up to

%
p.a.

Variable on up to $500K.
Includes Boost + Base rates

Get growing with the Boost rate

To unlock the Boost rate, just grow your balance by $100 or more by the end of each month.

Find out more

No interest applies to any portion of an account balance over $2 million.

For more information on rates, check out the Savings Booster Rate Schedule.

You'll need an active Orange Everyday account

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.

Orange Everyday

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

Check out our FAQs for quick answers to common questions like 'When will I be paid my bonus?' or 'How do I open an account in joint names?'

See FAQs
do your thing

More from ING

Any advice in this communication does not consider your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision, you should read the product terms and conditions available 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.

ING Refer a Friend Offer

This offer is only available between 11 August 2026 and 30 November 2026 ("Promotion Period").

(a) Reward

Subject to these terms, you can receive a reward ("Reward") for each person you refer ("Friend"), when the Friend does all of the following (the "Eligibility Criteria"):

  • OPEN: Opens both a Savings Booster and Orange Everyday account during the Promotion Period, and accurately enters your unique promotional code during the application process; and
  • DEPOSIT: Makes deposits totalling at least $1,000 into their new Orange Everyday from an external source (such as their pay) within a single calendar month during the Promotion Period; and
  • SPEND: Uses their new Orange Everyday card to make 5+ settled (not pending) purchases* within a single calendar month during the Promotion Period.

This offer does not apply where The Friend:

  • has held either an Orange Everyday account or a Savings Booster account at any point since 1 July 2019 (even if the account is now closed)

The eligible referrer will be eligible for a Reward each time a Friend satisfies the Eligibility Criteria. So, for example, if two of Friends each satisfy the Eligibility Criteria, you can receive $200. For privacy reasons, ING will not tell you which friend met the Eligibility Criteria. The Friend can also receive a maximum of one Reward where they meet all of the Eligibility Criteria.

Any Reward will be paid within 30 days after the Friend meets all Eligibility Criteria, although in some cases this may take longer.

*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.

(b) General offer terms

Any payment under this offer will be made into the Orange Everyday held in the name of the payment recipient, provided it is active and not restricted at the time of payment. If the reward recipient has more than one active and unrestricted Orange Everyday account, the payment will be made into the account with the highest balance, which may be an account held jointly.

The offer is available for a limited time only, and is not applicable in conjunction with any other promotional offers unless expressly indicated. ING may, acting reasonably, extend or withdraw this offer at any time at its sole discretion. We will let you know if we withdraw this offer.

In referring a Friend under this offer, you are not authorised to act as a representative of ING and is not otherwise acting on ING's behalf. You must:

  • only tell your Friend about ING's offer;
  • get permission from your Friend before sharing the offer;
  • not provide any advice about financial products, such as any recommendations or opinions about the suitability of the products.

We may refuse to pay any of the rewards under this offer, in our reasonable opinion, you have used this offer in a manner that is not satisfactory to us or otherwise not in line with the intent of the offer. This includes conduct on your part which, in our reasonable opinion, undermines the fair and intended operation of the offer, such as by (a) sharing your promotional code on the 'OzBargain' website or other similar code sharing website or on public forum, (b) advertising or marketing your promotional code, or (c) altering the offer in any way, including by offering further incentives to anyone for participation in the offer.

The rewards under this offer may have tax implications. You should seek independent tax advice.

Australia's #1 Most Recommended Bank - RFI Global Consumer Atlas Survey

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246) when compared to customers of the 10 largest ADIs operating in Australia amongst Any Financial Relationship (AFR) customers. ING is Australia's fifth largest main financial institution (MFI) with 5% market share according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246). AFR customers is defined as those who hold any product with the bank, even if the bank is not their MFI. MFI is defined as the bank that the consumer says is their main financial institution.

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".

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.

Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.