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You've been referred!

Open a transaction and savings account with ING and you could earn a bonus, plus more!

Terms and conditions apply
Use code: Ask your friend

$0 ongoing account fees

1% cashback on eligible utility bills

Earn up to % p.a. variable rate

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 2025.

Here's what you need to do

To earn that sweet bonus for both you and the friend who referred you and start enjoying your Orange Everyday and Savings Maximiser accounts - complete the below steps by 30 November 2025.

1

Open an Orange Everyday

Open an Orange Everyday at ing.com.au/everyday and enter referral code: Ask your friend in the promotion box at the end of the online application form.

Your promotion code:

Ask your friend

2

Deposit $1,000

Deposit $1,000+ from an external source 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 any calendar month.

4

Open a Savings Maximiser

Open a Savings Maximiser (if you 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 that bonus into your Orange Everyday account and into the account 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.

Put your savings in beast mode

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

%
p.a.

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.

Open now
CANSTAR - Bank of the Year 2020 - 2025

Big cat's out of the bag.
We're Bank of the Year, 6 years running.

With ING you're onto a beast a of bank (in the nicest possible way, of course).

In fact, we've won Canstar Bank of the Year so many times it's hard to keep count.

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 13 October 2025 and 30 November 2025 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;
  • get permission before sharing the offer from their family/friend; 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 the bonus for each friend they refer and their friend can receive the bonus (the "offer") when the friend:

  • Opens an Orange Everyday bank account between 13 October 2025 and 30 November 2025, 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 2025.
  • Opens a Savings Maximiser and makes a deposit into their Savings Maximiser between 13 October 2025 and 30 November 2025 or hold an existing Savings Maximiser account; and
  • Uses their new Orange Everyday card to make 5+ settled (not pending) card purchases within a calendar month between 13 October 2025 and 30 November 2025, (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. January 2025) which are at a 'pending status' and do not settle until the next calendar month (e.g. February 2025) 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 two of your friends each satisfies the Eligibility Criteria, you can receive the bonus into your Orange Everyday account. The friend can receive at most only one the 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 (provided that account remains active and not restricted at time of payment). 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.

The bonus offer may have tax implications. You should seek independent tax advice.

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 Card holders aged 18 years and older. Each debit or credit card you hold will automatically be enrolled into ING Pocket Perks. 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 'Offers' section of 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 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.

If you activate your Orange Everyday debit card or Orange One credit card between 21 July 2025 and 31 March 2026, there may be a delay in its automatic enrolment into ING Pocket Perks. You can manually enrol the card yourself by logging into mobile banking and navigating to your card, then selecting "ING Pocket Perks". Once you do this, your card will be enrolled with immediate effect.

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.

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

For full terms and conditions, see the Orange Everyday Terms and Conditions and Fees and Limits Schedule, Orange Everyday Target Determination and the agreed utility supplier list at ing.com.au.

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 or the ING mobile app. 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.

Canstar Bank of the Year 2020 - 2025: Canstar has awarded ING Bank of the Year 2025 for the sixth year in a row, recognising the outstanding value ING offers across all our products and services.

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 a Savings Maximiser or Orange Everyday, you should read the Savings Maximiser Terms and Conditions booklet and the Orange Everyday Terms and Conditions booklet and Everyday Banking Fees & Limits Schedule. To view these documents you may need Adobe Acrobat. 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. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.