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Join ING and you could earn a $50 reward.

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Bank a reward from us

There are many benefits to banking with ING. Like no monthly fees on the Orange Everyday and for a limited time, if you move your banking to ING you could get an extra one - a $50 reward!

Here's what to do by 30 June 2022

1

Go to ing.com.au/everyday, open a new Orange Everyday and enter the promo code in the promo box at the end of the online form - this part's really important otherwise neither of you will get your reward!

2

Deposit $1,000+ (such as your pay) from an external source into your Orange Everyday account within any calendar month.

3

Open a Savings Maximiser (if you don't already have one) and make a deposit into this account.

4

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

Once you complete the steps, you'll receive your cash reward the following calendar month.

But be quick - you've only got until 30 June 2022 to complete all the steps!

Enter your promotional code:

Ensure you enter the promo code below correctly in the promo box at the end of the online form when opening your new Orange Everyday. If not, you may not get your reward.

Your eligible cash reward is: $50

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Other things to love about Orange Everyday

No monthly fees (other fees and charges may apply)

Fast, secure and convenient payments with Apple Pay or Google Pay

Plus continue to deposit $1,000+ from an external source to any personal ING account in your name (excluding Living Super, Personal Loan and Orange One) each month and make 5+ eligible ING card purchases that are settled (not pending) each month and you will qualify for the below benefits.When the criteria is met in a calendar month, the following benefits will apply in the next calendar month.

1% cashback on eligible utility bills

You could get 1% cashback on eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY or Direct Debit (BSB and account number). Cashback benefit of up to $100 per financial year. T&Cs apply.

$0 ING international transaction fees

Shop online and overseas and we'll rebate the ING international transaction fees when pay with Orange Everyday.

Up to 5 rebated ATM withdrawals a month per account

The first 5 times you’re charged fees to withdraw cash at an ATM each month per account - here or overseas - we'll rebate it including the ATM operator fee.

From Australia's most recommended bank

Find out why so many people are happy to recommend ING - including your friend!

ING Refer a Friend Offer

This offer is available for a limited time only 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.

(a) Reward Eligibility Criteria:

To be eligible for the $50 reward payment ('Reward'), you must:

  • Open an Orange Everyday bank account between 1 May 2022 and 30 June 2022, and enter your unique promotional code at the time of account opening (new Orange Everyday customers only). Invalid or incomplete codes will not be fulfilled;
  • Deposit $1,000 or more within a calendar month from an external source (another bank) into your new Orange Everyday account by 30 June 2022;
  • Hold or open a Savings Maximiser and make a deposit into your Savings Maximiser between 1 May 2022 and 30 June 2022; and
  • Use your new Orange Everyday card to make 5+ settled (not pending) card purchases within any calendar month between 1 May 2022 and 30 June 2022 (excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transactions) collectively the 'Eligibility Criteria'.

If you have previously opened an Orange Everyday account at any point since 1 July 2014 (even if the account has now been closed), then you are ineligible for this offer.

A calendar month is one of the 12 named months that a year is commonly divided into (eg. October, November).

Card purchases includes 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 (eg. May 2022) which are at a 'pending status' and do not settle until the next calendar month (eg. June 2022) count towards card purchases in that next calendar month (eg. June 2022).

Any reference to 'Orange Everyday' in this offer refers to our Orange Everyday bank account for people aged 18 and over (and does not refer to the Orange Everyday Youth bank account for those aged under 18).

If you use this offer in a manner that is not satisfactory to us or in line with the intent of the offer, we may refuse to pay the cash reward (including in respect of any or all referrals made in relation to the offer). This includes conduct on your part which is designed to undermine the fair and intended operation of the offer.

(b) Reward Payment Terms:

Maximum of one Reward per person (this includes any payment made to an account jointly held by you). Where eligible, the Reward will be deposited into your Orange Everyday account by the end of the calendar month after you meet all applicable Eligibility Criteria. Where you have more than one Orange Everyday account, the Reward will be deposited in to the Orange Everyday account with the highest balance as at the date of the reward is paid by us. This could be an account held jointly with another account holder. We will also pay the referrer a reward if you satisfy the Eligibility Criteria.

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, Personal Loans 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 withdrawal fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account.

An eligible utility bill payment is a payment made by BPAY 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 Orange Everyday Fees and Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list at ing.com.au

Orange Everyday Benefits may be changed or withdrawn at any time at ING's sole discretion.

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, Personal Loans 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 at any time. 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 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 Orange Everyday Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823.

^Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your 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 which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

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 XPRT Survey, December 2021 - May 2022 (n = 32,026) when compared to customers of 20 other banks operating in Australia. It is also Australia's fifth largest main financial institution (MFI) with 6% of the market share according to RFi XPRT Survey, December 2021 - May 2022 (n = 32,026). MFI is defined as the bank that the consumer says is their main financial institution.

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.