You've been referred!

Open a transaction and savings account with ING, Australia's most recommended bank and you could earn a bonus, plus more!

Use code:

Ask your friend

1% cashback on eligible utility bills

$0 ING international transaction fees

Earn up to % p.a. variable rate

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Bank a bonus on us + a great rate

You could unlock a number of benefits by opening a transaction and savings account with ING including % p.a variable interest rate for eligible customers.

Plus, for a limited time you and the friend who referred you could receive a bonus... each! All you need to do is complete the 4 steps below by 30 November 2024.

Here's what you need to do to

To earn that cool bonus for you and the friend who referred you. Plus, start enjoying the benefits our Orange Everyday and Savings Maximiser benefits have to offer. You will need to complete the below steps by 30 November 2024.

1

Open an Orange Everyday

Open an Orange Everyday at ing.com.au/everyday and enter the promo code you give them in the box at the end of the online form.

Your promotion code:

Ask your friend

2

Deposit $1,000

Deposit $1,000+ from an external source into their new Orange Everyday account within a calendar month.

3

Make 5+ settled (not pending) purchases

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

4

Open a Savings Maximiser

Open a Savings Maximiser (if they don't have one already) and activate it by depositing any amount into it.

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Payday's not too far away.

Once all steps are completed we'll pop a bonus into both your Orange Everyday account and the Orange Everyday account of the friend who referred you to ING. This could take up to 30 days after you have met all the requirements and in some cases this may take longer.

Open an account today and earn that extra moola.

You can spend or save your bonus however you like.

Maybe some new shoes or pickle ball lessons... if that's your thing?

Think of it as our way of saying welcome to ING, it's great to have you on board.

Open now

Get your bonus working harder with Savings Maximiser

Once you have an Orange Everyday and Savings Maximiser, you can also start earning our highest available variable rate whenever you meet the monthly criteria.

Variable interest

Includes % p.a. additional variable rate. The standard variable rate is % p.a.

On one account, up to $100,000 when you also hold an Orange Everyday and each month meet the eligibility criteria - see T&Cs for full details.

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Any questions

For more about our everyday and savings accounts, simply visit Orange Everyday and Savings Maximiser.

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More from ING

ING Refer a Friend Offer

This offer is available for a limited time only between 1 October 2024 and 30 November 2024 and is not applicable in conjunction with any other promotional offer unless expressly indicated. ING reserves the right to extend or withdraw this offer at any time at its sole discretion. If withdrawn, ING will honour the offer in respect of all Orange Everyday accounts opened using the correct promotional code before the offer is withdrawn, provided that applicants satisfy the Eligibility Criteria below. The offer applies in respect of the original recipient of this email only.

Any ING customer who refers their friend under this offer ("referrer") is not authorised to act as a representative of ING and is not otherwise acting on ING's behalf in referring their friends to ING. A referrer must:

  • only tell their friends about ING's offer; and
  • not provide any advice about financial products, such as any recommendations or opinions about the suitability of the products.

(a) Reward Eligibility Criteria:

The referrer can receive for each friend they refer and their friend can receive the bonus (the "offer") when the friend:

  • Opens an Orange Everyday bank account between 1 October 2024 and 30 November 2024, and enters your unique promotional code at the time of account opening (new Orange Everyday customers only). Invalid or incomplete codes will not be fulfilled;
  • Deposits $1,000 or more as a one off or cumulative payments within a calendar month from an external source (such as their pay) into their new Orange Everyday account by 30 November 2024.
  • Opens a Savings Maximiser and makes a deposit into their Savings Maximiser between 1 October 2024 and 30 November 2024 or hold an existing Savings Maximiser account; and
  • Uses their new Orange Everyday card to make 5+ settled (not pending) card purchases within any calendar month between 1 October 2024 and 30 November 2024, (excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transactions), collectively the 'Eligibility Criteria'.

The offer does not apply where your friend has opened an Orange Everyday account:

  • at any point since 1 July 2014 (even if the account has now been closed); or
  • as part of an application for an Orange Advantage Home Loan.

A calendar month is one of the 12 named months that a year is commonly divided into (e.g. July, August).

Card purchases include in store purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa 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. Card purchases made in store or online this current calendar month (e.g. July) which are at a 'pending status' and do not settle until the next calendar month (e.g. August) count towards card purchases in that next calendar month.

We will refuse to pay the cash reward in respect of any or all referrals made in relation to this offer if, 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 referral code, or (c) altering the offer in any way, including by offering further incentives to anyone for participation in the offer.

(b) Reward Payment Terms:

The referrer can receive the bonus each time a friend satisfies the Eligibility Criteria set out above. So, for example, if 2 of your friends each satisfies the Eligibility Criteria, you can receive specified into your Orange Everyday account. The friend can receive at most only one bonus payment under the offer (this includes any payment made to an account jointly held by your friend). For privacy reasons, ING will not tell you which friend met the Eligibility Criteria.

Where eligible, the Reward will be deposited into both you and your friend's Orange Everyday accounts within 30 days after the friend meets all applicable Eligibility Criteria, in some cases this may be longer. Where you or your friend have more than one Orange Everyday account, the Reward will be deposited into the Orange Everyday account with the highest balance as at the date the reward is paid. This could be an account held jointly with another account holder.

Eligible Customers

Orange Everyday

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.

*The Chance to Win offer is only available for eligible current Orange Everyday customers who have been targeted with this campaign.

Authorised under NSW Permit No. NTP/11171, ACT Permit No. TP24/02235 and SA Licence No. T24/1707.

The promotion commences at 12:01am (AEST) on 01 October 2024 and ends at 11:59pm (AEST) on 30 November 2024.

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate currently % p.a. (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 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 that 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 at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, April - September 2024 (n = 28,807) 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, April - September 2024 (n = 28,807). 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

Apple, the Apple App Store, Apple Pay and iPhone 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 Apple Pay Terms and Conditions and the Google Pay Visa Debit Card Terms and Conditions for ING customers are available to consider when setting up mobile payments on your eligible device.