To get funds deposited into your ING Orange Everyday,
Savings Maximiser from an international bank using SWIFT, you'll need to provide
the following:
SWIFT code: INGBAU2S
Currency: $AUD
BSB: 923-100
Bank Name: ING
Beneficiary Account Number: this is your account number (Orange Everyday,
Savings Maximiser and Home Loan accounts only)
Beneficiary FULL Account Name: this is your name (FULL first and FULL surname
of all account holders)
Beneficiary Residential or Mailing Address as held with ING.
Sender’s FULL name - (FULL first and FULL surname of all account
holders)
Sender’s Residential or Mailing address
Branch Address: Sydney or 60 Margaret Street, Sydney, NSW, 2000
If the bank asks for the 'Clearing code', this is equivalent to the BSB
(923-100).
Depending on intermediary banks, weekends and time zones, please allow 2-5
days for funds to reach your ING account.
To be eligible for our highest variable rate on your
nominated Savings Maximiser you will need to hold an Orange Everyday bank account
and complete the following each month:
* Deposit $1,000+ from an external bank account to any personal ING account
in your name (excluding Living Super and Orange One)
* make 5+ card purchases that are settled (and not at a 'pending status')
each month (excluding ATM withdrawals, balance enquiries, cash advances, BPAY
transactions, Direct Debits using an account number, EFTPOS cash out only
transactions and any transaction that does not use a card number)
* Grow your balance of the nominated Savings Maximiser in the same calendar
month. This just means that the balance must be higher at the end of the month (not
including interest) than it was at the end of the previous month.
The rate is applied in the calendar month after you’ve met the
eligibility criteria, and is available on one nominated Savings Maximiser account
only for balances up to $100,000.
Letting us know about your international travel helps
us monitor your card for suspicious activity and may help prevent any unnecessary
blocks on overseas transactions.
You can do this in the new ING App:
1.Log in to your ING App and tap More
2.Select Manage accounts > Travelling overseas
3.Select your departure date, your return date, and your travel destinations
> tap Continue
4.Review your details before your hit Continue again.
Note: The travel alert is active for a maximum of 30 days from the day you
submit it (not the departure date). It’s a good idea to set this up just
before you leave if you’re going for an extended stay. If you’re still
overseas 30 days from submitting a travel alert, remember to submit a new one in
the ING App to cover the next 30 days.
The certifier must sight the original document and a
copy of the document and include the following information on the copy:
“I hereby certify these pages to be a true copy of the original
document” (or similar wording noting that some certifiers use stamps with
standard wording)
Date of the certification: dd/ mm/yyyy
Full name of the certifier
Signature of certifier
Qualification or capacity of the certifier: (i.e. JP, Solicitor, etc.)
Registration Number: (if applicable)
Important things to note about the documents we require
The identification documents used to verify information such as your name
cannot be expired with the exception of an Australian Passport which can be expired
within the previous 2 years.
Utility bills used to provide address verification must be issued within the
last 6 months.
ATO documents used must be issued within the previous 12 months.
The image(s) must be clear enough to discern the details and a colour copy is
preferable.
Multiple ID documents photocopied on one page: every document should be
certified separately
Document with multiple pages: the certifier must write or stamp “I
certify this and the following [number of pages] pages to be a true copy of the
original as sighted by me” on the first page and initial all other pages OR
certify every page separately.
Where can I find an authorised document certifier?
An acceptable certifier is anyone outlined below. The acceptable certifier is
to be an independent and impartial witness or certifier of documents. Conflict of
interest should be avoided, whether it is an ‘actual’ conflict or
‘perceived’. Examples include and not limited to family members (e.g.
immediate members, relative, de-facto), associated parties (e.g. Director of one
company certifying another Director from the same company). Where there is
‘actual’ or ‘perceived’ conflict the document is to be
rejected. The following people and occupations are authorised to provide a
statutory declaration and certify documents:
The following lists acceptable certifiers who must be a person who, under a
law in force in a State or Territory, is currently licensed or registered to
practise in an occupation listed in Part 1 of Schedule 2 of the Statutory
Declarations Regulations 2018:
Architect
Chiropractor
Dentist
Financial adviser or financial planner
Legal practitioner
Medical practitioner
Midwife
Migration agent registered under Division 3 of Part 3 of the Migration Act
1958
Nurse
Occupational therapist
Optometrist
Patent attorney
Pharmacist
Physiotherapist
Psychologist
Trade marks attorney
Veterinary surgeon
The following lists persons who are acceptable certifiers who are persons
listed in Part 2 of Schedule 2 of the Statutory Declarations Regulations
2018:
1. Accountant who is:
a. a fellow of the National Tax Accountants' Association;
or
b. a member of any of the following:
i. Chartered Accountants Australia and New Zealand;
ii. the Association of Taxation and Management
Accountants;
iii. CPA Australia;
iv. the Institute of Public Accountants
2. Agent of the Australian Postal Corporation who is in charge
of an office supplying postal services to the public
3. APS employee engaged on an ongoing basis with 2 or more years
of continuous service who is not specified in another item of this Part
4. Australian Consular Officer or Australian Diplomatic Officer
(within the meaning of the Consular Fees Act 1955)
5. Bailiff
6. Bank officer with 2 or more continuous years of service
7. Building society officer with 2 or more years of continuous
service
8. Chief executive officer of a Commonwealth court
9. Clerk of a court
10. Commissioner for Affidavits
11. Commissioner for Declarations
12. Credit union officer with 2 or more years of continuous
service
13. Employee of a Commonwealth authority engaged on a permanent
basis with 2 or more years of continuous service who is not specified in another
item in this Part
14. Employee of the Australian Trade and Investment Commission
who is:
a. in a country or place outside Australia; and
b. authorised under paragraph 3(d) of the Consular Fees Act 1955
; and
c. exercising the employee's function at that place
15. Employee of the Commonwealth who is:
a. at a place outside Australia; and
b. authorised under paragraph 3(c) of the Consular Fees Act 1955
; and
c. exercising the employee's function at that place
16. Engineer who is:
a. a member of Engineers Australia, other than at the grade of
student; or
b. a Registered Professional Engineer of Professionals
Australia; or
c. registered as an engineer under a law of the Commonwealth, a
State or Territory; or
d. registered on the National Engineering Register by Engineers
Australia
17. Finance company officer with 2 or more years of continuous
service
18. Holder of a statutory office not specified in another item
of this Part
19. Judge
20. Justice of the Peace
21. Magistrate
22. Marriage celebrant registered under Subdivision C of
Division 1 of Part IV of the Marriage Act 1961
23. Master of a court
24. Member of the Australian Defence Force who is:
a. an officer; or
b. a non-commissioned officer within the meaning of the Defence
Force Discipline Act 1982 with 2 or more years of continuous service; or
c. a warrant officer within the meaning of that Act
25. Member of the Australasian Institute of Mining and
Metallurgy
26. Member of the Governance Institute of Australia Ltd
27. Member of:
a. the Parliament of the Commonwealth; or
b. the Parliament of a State; or
c. a Territory legislature; or
d. a local government authority
28. Minister of religion registered under Subdivision A of
Division 1 of Part IV of the Marriage Act 1961
29. Notary public, including a notary public (however described)
exercising functions at a place outside:
a. the Commonwealth; and
b. the external Territories of the Commonwealth
30. Permanent employee of the Australian Postal Corporation with
2 or more years of continuous service who is employed in an office providing postal
services to the public
31. Permanent employee of:
a. a State or Territory or a State or Territory authority;
or
b. a local government authority;
c. with 2 or more years of continuous service, other than such
an employee who is specified in another item of this Part
32. Person before whom a statutory declaration may be made under
the law of the State or Territory in which the declaration is made
33. Police officer
34. Registrar, or Deputy Registrar, of a court
35. Senior executive employee of a Commonwealth authority
36. Senior executive employee of a State or Territory
37. SES employee of the Commonwealth
38. Sheriff
39. Sheriff's officer
40. Teacher employed on a permanent full-time or part-time basis
at a school or tertiary education institution
The following lists additional persons who are acceptable certifiers:
A person who is enrolled on the roll of the Supreme Court of a State or
Territory, or the High Court of Australia, as a legal practitioner (however
described)
An officer with, or authorised representative of, a holder of an Australian
financial services licence, having 2 or more years of continuous service with one
or more licensees
An officer with, or a credit representative of, a holder of an Australian
credit licence, having 2 or more years of continuous service with one or more
licensees
A person in a foreign* country who is authorised by law in that jurisdiction
to administer oaths or affirmations or to authenticate documents
- if a document is written in a language other than English, it must be
accompanied by an English translation prepared by an accredited translator
You are unable to move funds internationally directly
from your ING accounts. If you wish to transfer money internationally, you will
need to access a third-party service.
Visa applies the wholesale exchange rate to any
foreign currency transactions.
For more information on Visa 'exchanges rates visit:
https://www.visa.com.au/support/consumer/travel-support/exchange-rate-calculator.html
Online:
Visa set the exchange rate applicable at the time of your transaction.
You can view exchange rates at:
https://www.visa.com.au/travel-with-visa/exchange-rate-calculator.html
Phone:
VISA global customer assistance. Australia Phone number: 1800-450346,
available 24 hours a day, 7 days a week.
If the client is overseas, they can place a collect call through the local
operator to +1 443 641 2004 for assistance
Tap "More > Your profile"
Tap "Edit"
You can update your personal residential, mailing address, phone numbers and email.
Online
Log into online banking
Go to "My Profile"
Select "My Contact Details"
You can update your personal residential, mailing address and email.
Changing your linked bank account
For Savings Maximiser, Savings Accelerator or Personal Term Deposit accounts:
Login to online banking
Go to "Manage Accounts"
Select "Linked bank account"
Follow the prompts to change details
For Business Optimiser, Business Term Deposit and Home Loan accounts:
Login to online banking
Select "My profile"
Select "Forms"
Print out the relevant document"
Orange Everyday account and Orange One
You can change the PIN on your Orange Everyday Debit Card via the ING app or online banking.
You can change the PIN on your Orange One Card via the ING app.
ING app
Login to your ING App and select Cards
Select the card from the list to view the settings
Select Change Card PIN
Follow the prompts to update your PIN
Confirmation will appear showing PIN change has been successful
Via Online banking
Select "Manage cards"
Select "Card settings & activation"
Select your Orange Everyday
Select "Change Card PIN" from the 'Task' dropdown
Select your new PIN
Click "Submit"
Confirm new PIN and click "Confirm PIN"
Request and confirm SMS code
Confirmation of PIN change screen will appear once completed successfully
Smart Home Loan Visa Credit Cards
To change the PIN on your Smart Home Loan Visa Credit Card, please call us and a Customer Care Specialist will organise for your PIN to be sent securely via post. We can't give your PIN to you over the phone for security reasons.
Visit our Contact Us page for the best ways and times to connect.
Overseas
If you're overseas and forget your PIN, please visit any financial institution that displays the Visa logo and present photo ID (e.g. your passport) to withdraw cash over the counter.
For more details, please visit our guide for how to change your PIN.
This will be available in September
You can change your access code anytime via our app or online banking.
ING App
Log out of the ING App and click "Login" (Please note: if you have biometrics enabled, the option to reset your access code will only appear after a failed biometric attempt.)
Click "Reset access code", ensure you have the details required and click "Reset access code" again
Enter Client number and Date of birth, then click "Continue"
Enter the SMS security code
Enter new Access Code
Confirm new Access Code and click "Continue"
Online banking
Log into Online banking
Select "My profile"
Select "access code"
Enter your current access code
Enter your new access code
Confirm your new access code
Hit "Submit"
Your interest is calculated daily on the closing
balance and added to your account at the end of each month, so you earn interest on
your interest. The formula we use is:
Daily closing balance x interest rate (as a percentage) / 365
Please note that differences in interest month to month, when no transactions
have occurred on your account, is due to the number of days in each month i.e.
March has 31 days and April has 30 days, therefore one day less interest is
accrued.
Please visit our Everyday Banking Fees and limits
schedule for daily withdrawal limits.
https://www.ing.com.au/pdf/Orange_Everyday_Fees_and_Limits_Schedule.pdf
To activate your account and start transacting, simply
transfer funds to your new account by electronic transfer or cheque.
Electronic transfer:
Make a Pay Anyone transfer from your old bank account using our BSB (923 100)
and your Orange Everyday Account Number. Or if you already have a Savings Maximiser
you can make a transfer from this account to your new Orange Everyday.
Cheque:
Mail the cheque(s) to us (clearance takes 3 business days from the date we
receive the cheque). Mail to ING, Reply Paid 2682 Sydney NSW 2001 (no stamp
required). Please be aware we cannot accept a bank cheque to activate your new
account.
You can change your daily limit by following the steps below.
ING app:
Login to the app
Select the account you wish to change the limit on
Tap "Manage" > "Payment limit"
Select the new Payment limit > Save - then you're done!
Online banking:
Log into online banking
Choose "Manage Accounts" and then "Account limits"
Select the account you wish to change the limit on from the drop down menu
Select the new Pay Anyone limit
Hit "Continue"
Confirm correct amount and submit.
You can visit our guide for further info.
As part of the online application form, there is a
section called "Promotional code" where you will be able to enter the code you have
been given. This is found under the "Next steps" heading after you have entered
your personal details.
If the code isn't entered during the application we won't be able to match it
with your application and you wouldn't receive the bonus.
The email you received with the code also details the steps required in order
to receive a bonus for yourself and your friends.
This feature is not yet available. (Available in September)
In some situations, single Savings Maximiser, single Savings Accelerator and eligible Orange Everyday accounts can be closed online or via the latest version of the ING app. Orange One accounts can also be closed in most situations through online banking only.
ING App:
Login to the app
Select the account you wish to close
Tap "Manage" > "Close this account""
Confirm that you would like to close your account.
Online Banking:
Log into Online Banking
Select "Manage accounts"
Choose to "Close account"
Select the account you want to close
Follow the prompts
You cannot deposit additional funds into a Personal or
Business Term Deposit during the term.
However, you are able to add additional funds if you decide to roll over your
Personal or Business Term Deposit for another term.
You can nominate this additional amount in your maturity instructions and the
amount will be transferred at maturity from your nominated linked bank account. To
amend maturity instructions online:
Log into Online Banking
Select the relevant term deposit from the account list
Select 'More account information'
Click the Edit button next to Maturity Instructions heading
Follow the steps to amend your instructions
Your unique client number is a simple way of
identifying yourself with ING. You can easily find your client number in the ING
App by tapping More and selecting Your profile
Your account number is the unique number allocated to each account you hold
with us. To see your account numbers in the ING App, select the account and tap on
Manage
We don't have any ATMs. Not having branches or ATMs
saves us money, that's why we don't charge you additional fees for using any of the
ATMs in Australia. That's right, every bank, service station, corner store, pub and
more - anywhere in Australia.
Domestic and International ATM operators, however, may charge you fees to use
their ATMs and if you’re using your ING card to withdraw cash from an ATM
overseas then an ING international ATM withdrawal fee will also apply. However,
each month that you are eligible, you can access rebates on:
For Orange Everyday: The first 5 fee incurring ATM withdrawals (excludes
International ATM operator fees)
For Orange One: Fees incurred for ATM withdrawals (excludes
International ATM operator fees)
ING rebate domestic ATM operator fees and ING International ATM withdrawal
fees, we don't rebate International ATM operator fees, for both Orange Everyday and
Orange One.
To qualify for these rebates in any month, you need to meet the following
requirements in the previous calendar month:
Deposit $1,000+ from an external source (such as your pay) to any personal
ING account in your name (excluding Living Super and Orange One) and
also
Make 5+ card purchases that are settled (and not at a ‘pending’
status) each month using your ING debit or credit card (excluding ATM withdrawals,
balance enquiries, cash advances, BPAY transactions, direct debits using an account
number and eftpos cash out only transactions).
Settled card purchases require purchases to be fully processed by the end of
the month. Card purchases made 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.
If you are an ING home loan customer or an Orange Everyday Youth customer,
you are automatically eligible for these ATM withdrawal fee rebates (so, you
won’t need to complete the above steps).
The Orange One cash advance fee is not rebated under this offer.
ING may use a third party provider to verify your identity. Alternatively, there are a range of Identification Documents that can be sent to ING to confirm this. The Identification Document that you choose to send in, must be a certified copy of the original or the original document itself.
You may withdraw all (but not part) of your deposit
before the end of the term, you'll need to give us at least 31 days' advance notice
(except in the case of financial support). A reduced rate of interest will apply in
these circumstances.
Where your Term Deposit is closed early, the funds will be transferred to
your nominated linked bank account.
When your Term Deposit matures - that is, reaches the
end of its term - you have a few options. It really depends on whether you want to
keep saving or get your hands on your money.
You'll be asked to choose from the following maturity options when you apply
for your Term Deposit. Remember, you can change this choice at any time online (up
until 1 business day before maturity).
1. Renew Term Deposit - Principal & Interest
Choose this option if you want the total amount in your Term Deposit to be
renewed - for the same time period - upon maturity.
2. Renew Term Deposit - Principal Only
Choose this option if you want the interest earned during the Term Deposit to
be transferred to your linked bank account. We will then renew the Term Deposit
using your original deposit amount.
3. Close the Term Deposit
Choose this option if you want all of your money - the original deposit
amount plus any interest earned - transferred back into your linked account.
On the day your Term Deposit matures, we'll act on your chosen instructions.
If you chose option 2 or 3, we'll transfer the money to your linked bank account.
If this linked account is an ING account, the money will appear immediately. For
non-ING accounts, please see our clearance times.
To change your maturity instructions, please refer to: How can I change my
maturity options on my Term Deposit?
Grace Period
All Personal Term Deposits that roll over benefit from a 'grace period' of 7
calendar days, starting from the maturity date.
During this time, you can contact us to close your Personal Term Deposit
without incurring a reduction in the interest rate that applies to your account.
You can also change the amount of funds in your new account and/or change the term
of your Personal Term Deposit during this time.
1. Select Cards
2. Tap Activate now from the list
3. Enter the last 4 digits of your card number and tap Activate card.
If you have an Orange Everyday account, you can
order a bank cheque via Online Banking:
go to 'Transfer & pay' and select 'Bank cheque' (minimum cheque value is
AUD$1,000)
For transactions less than $1,000, please consider completing a Pay Anyone
from your account.
You can order as many bank cheques as you like drawn from your Orange
Everyday account.
Postage options:
To view the mailing times frames for ING, please refer to the response
Australia Post
All bank cheques are sent for free via Registered Post
You can select to send your cheque via Platinum Express Post for an $11.00
fee. This option requires a signature on delivery and enables you to track your
item online. To request a bank cheque via Express Post Platinum, ING's cut off time
is 3.00pm on a business day for same day processing.
You can change your access code anytime via our app or online banking.
ING App
Log out of the ING App and click "Login" (Please note: if you have biometrics enabled, the option to reset your access code will only appear after a failed biometric attempt.)
Click "Reset access code", ensure you have the details required and click "Reset access code" again
Enter Client number and Date of birth, then click "Continue"
Enter the SMS security code
Enter new Access Code
Confirm new Access Code and click "Continue"
Online banking
Log into Online banking
Select "My profile"
Select "access code"
Enter your current access code
Enter your new access code
Confirm your new access code
Hit "Submit"
You must nominate an eligible ING account (e.g.
Savings Maximiser) or an external bank account to link to your Savings Accelerator.
The name of the account must reflect the name(s) on the Savings Accelerator
application.
The nominated bank account must be a personal account with an Australian
financial institution and have a BSB and Account Number. We are unable to accept a
credit card, passbook or an account that doesn't have a BSB and Account
Number.
Once you have opened your Savings Accelerator, you can also nominate this
account as the linked bank account for an ING Personal Term Deposit.
ING does not offer Travel Cards or Travellers
Cheques.
Sorry, but ING can't cash your cheques.
You can deposit the cheque into your ING account by using the right postal address below. Please note we are unable to deposit a cheque that is made out to “cash”.
Remember:
If you're posting from within Australia, you don't need a stamp.
Please write your Client Number and Account Number on the back of the cheque.
Savings Maximiser, Orange Everyday, Personal Term Deposits and Savings Accelerator
ING
Reply Paid 2682 Sydney NSW 2001
Overseas: ING GPO BOX 2682 Sydney NSW 2001 Australia
DIY Super Funds and Trusts, Business Optimiser and Business Term Deposits
ING
Reply Paid 3858 Sydney NSW 2001
Overseas: ING GPO BOX 3858 Sydney NSW 2001 Australia
Home Loans
ING
Reply Paid 4094 Sydney NSW 2001
Overseas: ING GPO BOX 4094 Sydney NSW 2001 Australia
Orange Everyday:
To make a cheque deposit into your Orange Everyday account you can:
Option 1: Go to any Australia Post Bank@Post outlet with your Visa Debit Card to make the transaction.
Bank@Post - requires 8 business days before funds are cleared and available in the Orange Everyday account. Please be aware the count begins the day after the cheque was deposited (i.e. if deposited on Monday 16 June, the 8 business days count starts from Tuesday 17 June)
To find out more about Australia Post Bank@Post, refer to our guide.
Option 2: Mail the cheque(s) to us (clearance takes up to 8 business days from the date we receive the cheque). Please consider any postage timeframes when reviewing how long it will take for us to bank your cheque at: ING, Reply Paid 2682, Sydney NSW 2001.
To change your name used on your account, you need to
print out and complete the Change of Personal Details form. <Link to form -
https://www.ing.com.au/pdf/Change_Of_Personal_Details.pdf>
You will need to provide a certified copy of a Marriage Certificate, Change
of Name Certificate or Decree Nisi and Marriage Certificate (whichever is
appropriate).
Note: This document must provide a link between your former and current
name.
Lodging your Tax File Number with ING
You can lodge your Tax File Number Online by completing the below
steps:
Log into online banking
select 'My Profile' in the left hand menu
Select 'Tax File Number'
Select the account you wish to update your Tax File Number on and follow the
prompts
Note: The Tax File Number Status must be 'No TFN' in order for the 'Update
Tax File Number' section to appear
Select the account you wish to update your Tax File Number on and follow the
prompts
We cannot open or allow you to transact on your
account until we've verified your identity and the details of your linked bank
account.
ING is required under the Anti-Money Laundering and Counter Terrorism
Financing Act 2006 to verify your identity.
As of 20 June 2022 the minimum age to open an ING everyday banking or savings account is 18 years. This means customers under the age of 18 (new or existing), cannot open new ING accounts. Customers under the age of 18 who held ING accounts prior to this change, can continue to use them under the same conditions.
To apply for an Orange Everyday account:
Go to 'Products' in the side menu
Select the account you want
Follow the prompts
Make a deposit
You can do this by having your salary deposited into your account,
transferring money from another eligible ING account (if linked to your Everyday
account) or by a 'Pay Anyone' transfer from your current bank.
Activate your card
When you receive your Visa Platinum Debit Card log in at ing.com.au. Go to
'Manage cards' then 'Card settings & activation'.
Start using your card
Make a purchase by pressing the 'Credit' or 'Savings' button to use your PIN.
(If you open a second Orange Everyday and link it to the same Visa Platinum Debit
Card, you'll select 'Cheque' to access the second account).
Take a look at the Fees and Limits Schedule.
https://www.ing.com.au/rates-and-fees/orange-everyday-fees.html
To add a payee
1. Login to your ING App and select Pay > Pay Anyone
2. Your Address Book will pop up, tap Add new and select from the PayID options.
3. Enter the details and click Verify. The PayID details will pop up to review and tap DONE to confirm. You also have the option to save the details as well in your Address Book.
4. Select the account you want to pay from. Enter the Amount, Description and reference (both optional) and tap Continue
To apply for an Personal Term Deposit account:
Go to 'Products' in the side menu
Select the account you want
Follow the prompts
IBAN stands for International Bank Account
Number.
It's an international standard for numbering bank accounts, and was
originally developed to improve the payment system in the EU.
Changing the maturity option on your Term Deposit -
that is, what happens to your money when the term ends - is easy.
Remember, you can change your maturity option at any time up until 1 business
day prior to the maturity date.
Simply:
Log into Online Banking
Select the term deposit you wish to change the maturity options on
Select 'More account information'
Select 'Edit' next to the 'Maturity instructions' section
Follow the steps to amend your instructions
If your card has been lost or stolen and you suspect fraud has taken place, please login to the ING app and place a temporary hold on your card then call us straight away to a replacement card.
Please visit the Contact Us page for our operating hours and contact numbers.
If you don’t suspect fraud you can replace you Orange Everyday Visa Debit Card through ING app by:.
Log into the new ING App and select 'Cards'
Tap on the relevant card
Select 'Temporarily hold card'
IBAN stands for International Bank Account
Number.
It's an international standard for numbering bank accounts, and was
originally developed to improve the payment system in the EU.
Changing the maturity option on your Term Deposit -
that is, what happens to your money when the term ends - is easy.
Remember, you can change your maturity option at any time up until 1 business
day prior to the maturity date.
Simply:
Log into Online Banking
Select the term deposit you wish to change the maturity options on
Select 'More account information'
Select 'Edit' next to the 'Maturity instructions' section
Follow the steps to amend your instructions
Can I renew my Term Deposit to the same term?
If you want to renew your Term Deposit, you should select either:
Renew Term Deposit - Principal & Interest
Choose this option if you want the total amount in your Term Deposit to be
renewed - for the same time period - upon maturity.
Renew Term Deposit - Principal Only
Choose this option if you want the interest earned during the Term Deposit to
be transferred to your linked bank account. This is the account your funds came
from originally. We will then renew the Term Deposit using your original deposit
amount.
You can link one account only to your Savings Maximiser account, but you're welcome to open more than one Savings Maximiser and link different bank accounts to each of them if that works for you.
The Pay Anyone daily limit refers to the maximum
amount you can transfer via a Pay Anyone. The standard limit is $5,000. If you
require a higher limit or need a one-off transfer of a larger amount (up to
$20,000), you can do this via online banking or the ING app. Please note we can
only organise higher limits on Orange Everyday accounts.
If you'd prefer a lower limit, you can also move it down.
Tap the navigation menu
Select ‘My Profile’
Select ‘Contact Details’
Press ‘Edit Details’
No. A Savings Maximiser must not be opened or operated
for business, trade, superannuation or trustee purposes.
ING offers accounts for business purposes. These are the Business Optimiser
and Business Term Deposit. Learn more here <link to
https://www.ing.com.au/business.html>
Savings Maximiser is a high interest savings account
that gives you easy access to your money.
How does it work?
Simply Link your Savings Maximiser to an eligible ING account or to an
external bank account and move your money in and out of your Savings Maximiser as
often as you like!
Find out more here <Link to
https://www.ing.com.au/savings/savings-maximiser.html>
Before 7pm (AEST/AEDT) - processed same day
After 7pm (AEST/AEDT) - processed next business day
4pm (AEST) on business days for BPAY payments.
Weekends and national public holidays - processed next business day.
You can reverse transactions that haven't been
processed yet by logging into your account and selecting the relevant transaction
in your transaction history. If the reversal is available, you'll see the option
displayed.
If the option isn't there and you have just made the transfer, please call us
immediately — we can attempt to stop the payment.
Please visit the Contact Us page for our operating hours and contact
numbers.
You should generally receive your Visa debit card 5 - 10 business days after your account is opened.
With Everyday Round Up, every eligible card purchase you make is rounded up to the nearest $1 or $5 and the extra amount is shifted to your nominated account or to charity. Learn more here <link to https://www.ing.com.au/everyday-banking/everyday-round-up.html?pid=vis:hph2:def:eru>
Absolutely.
When you are travelling overseas, we strongly recommend that you know the
Personal Identification Number (PIN) for your Visa Credit or Debit card.
Many countries use chip and PIN technology, so if you don't know your PIN you
may not be able to use your card at certain international merchant terminals.
Letting us know about your international travel helps us monitor your card
for suspicious activity and may help prevent any unnecessary blocks on overseas
transactions.
You can do this in the new ING App:
1.Log in to your ING App and tap More
2.Select Manage accounts > Travelling overseas
3.Select your departure date, your return date, and your travel destinations
> tap Continue
4.Review your details before your hit Continue again.
Note: The travel alert is active for a maximum of 30 days from the day you
submit it (not the departure date). It’s a good idea to set this up just
before you leave if you’re going for an extended stay. If you’re still
overseas 30 days from submitting a travel alert, remember to submit a new one in
the ING App to cover the next 30 days.
When the final amount of a transaction is not yet
known by the merchant at the time they seek an authorisation on your Visa card, the
merchant may seek an initial authorisation for an estimated amount this is known as
an ‘Estimated Authorisation’.
The merchant may then seek further authorisations to increase the amount of
the Estimated Authorisation to reflect any additional charges that you incur, or
additional purchases you make, with them.
These are known as ‘Incremental Authorisations’.
This is to establish there are sufficient funds in your account to cover the
total value accrued with the merchant, and to temporarily hold those funds. Once
you have completed your purchases with this merchant, the final total amount will
then be processed as one single transaction.
For example, when you check into a hotel, an initial Estimated Authorisation
of $200 may be placed on your card. If you order room service, the Estimated
Authorisation may be increased to $250. The final payment will then be processed as
a single transaction when the hotel completes the transaction at the time you check
out.
Standard daily purchase limits apply.
This is available
To set up a recurring transfer, you simply:
Login to your new ING app.
Tap 'Pay' and select 'Transfer between accounts', 'Pay anyone' or
'BPAY'
Change the option from 'Now' to 'Recurring'.
Please wait while we refer you to a live agent.
If you are not able to speak to us immediately, we suggest placing a
temporary hold on your card using our app - simply:
login
select "Cards"
Tap on the relevant card
Select 'Temporarily hold card'
This will stop any further transactions from being requested.
Terms of one year or less
If you do not close your account during the term, the accrued interest is
credited to your account on the day prior to the maturity date. On the maturity
date, you are able to access the total funds in your Term Deposit, including any
interest credited to the account.
Terms of more than one year
If you do not close your account during the term, the accrued interest is
credited to your account on the anniversary date and on the day prior to the
maturity date. If interest is paid on the anniversary date, interest for the next
year of your Term Deposit is calculated upon the new amount of your Term Deposit
i.e. your opening deposit plus the first year interest payment.
If you wish to close your Personal or Business Term
Deposit before the maturity date, interest will be calculated from the date the
account was opened, to the date the account is closed by applying the interest rate
applicable on the day the account was opened, less the interest rate reduction as
specified below:
Percentage of term elapsed at the early termination date
Interest rate reduction (expressed as a percentage of your term deposit
interest rate)
0% to less than 20%
90%
20% to less than 40%
80%
40% to less than 60%
60%
60% to less than 80%
40%
80% to less than 100%
20%
Our Personal Term Deposits could help you reach your
savings goal:
An interest rate that is guaranteed for the timeframe you choose
No ING fees, ever - so all of your money can grow
Security knowing your money is guaranteed by the Australian Government
Click here for more information and to apply for a Personal Term Deposit
Account. <Link to https://www.ing.com.au/savings/term-deposit.html>
The Orange Everyday is a transaction account that helps your salary go further. This is because, for an Orange Everyday, there are no monthly fees and if you meet the following requirements in a month, you could get access to the Orange Everyday Benefits. Learn more here <Link to https://www.ing.com.au/everyday-banking.html>
If you’re having difficulty accessing our app, you can try uninstalling and reinstalling it. This should resolve the issue.
Please wait while we refer you to a live agent
Our BSB is 923-100.
Feature won't be available until End of 2025 (ETA,
TBC)
Interest is calculated daily on the closing balance
and credited to your account at the end of each month, so you earn interest on your
interest. The formula we use is:
Daily closing balance x interest rate (as a percentage) / 365
Please note, there may be differences in interest from month to month even
when no transactions have occurred on your account, this is due to the difference
in the number of days in each month i.e. March has 31 days and April has 30 days,
therefore one day less interest is accrued.
No. Everyday round up only applies to card purchases and is not available for ATM withdrawals.
It's $2,200 (AUD) per day, per account and includes
cash out at:
ATMs
EFTPOS
The limit includes any ATM operator fees, even those we rebate. Other limits
may be applied by the ATM operator or a merchant.
Please wait while we refer you to a live agent
Click here to view all savings accounts forms <Link to https://www.ing.com.au/help-and-support/documents-and-forms/bank-and-save.html>
The Savings Accelerator is a fantastic way to accelerate your savings. With balances of $50,000 and over, your whole balance earns a very rewarding rate. Should your balance fall below $50,000, you'll still earn a competitive variable rate.
Sometimes we can verify identification details electronically for one person but not the other. If we couldn’t verify one of you electronically, we’ll request ID documents to complete the process.
When you receive your VISA Debit Card, the first thing
you need to do is activate it. The easiest way to do this is on our ING Mobile App,
download it on the App Store on Apple or from the Google Play Store. Once you have
the app downloaded, tap 'Manage' > 'Manage card' from the list and select
'Activate card' from the Manage Card screen and follow the steps to start using
your new card.
Once activated, you can use your card at EFTPOS terminals and ATMs. It is
also accepted anywhere in the world that accepts Visa. You can also link your card
to your Apple Wallet or Google Pay.
You can edit your scheduled payments in online banking
by:
Click on the downward arrow at the end of the row
Select the relevant option in the drop down box
Please allow 2 business days for the change to take effect. You are unable to
make changes the same day your scheduled payment is due.
It generally takes up to 8 business days - from the
date we receive it (not the date you post it) - for your cheque to clear.
If the cheque is going into your savings account, you'll start earning
interest on the cheque from the first day it's deposited.
Cheques deposited to your Orange Everyday at Australia Post will take 8
business days to clear.
IMPORTANT: Cheques deposited after 2pm will be actioned the following
Business Day.
To use BPAY®:
Login to Online Banking
Go to 'Transfer & pay' and then 'Pay a bill by BPAY'
Follow the prompts
Important things to note:
When entering a new Biller, you can save the details to your "Address Book"
so the next time you need to pay them, you can simply select that Biller from your
Address Book.
To help track your payments some Billers use variable Customer Reference
Numbers (CRNs), if they do, we will only save the biller code in your address
book.
The Biller code character limit is 10 digits or less.
If entering a new Biller, you may need to enter a Security Code.
Free unlimited ING online transactions using BPAY®
® BPAY is a Registered Trademark of BPAY Pty Ltd ABN 69 079 137 518.
Simply:
1. Type www.ing.com.au into your internet browser
2. Click on the 'Login' button, which is located in the top right corner of
the page
3. A new window opens, and you'll need to enter your Client Number and Access
Code
4. Click on the 'Login' button
Savings Maximiser, Savings Accelerator, Business Optimiser and Term Deposit accounts don't come with cards.
You can cancel a Scheduled Payment by:
Login to Online Banking
Select "Transfer and Pay"
Choose "View Scheduled Payments"
Select the Account that the recurring deposit occurs on
You will then be shown all scheduled and pending transfers for this
account.
You can only nominate one linked bank account for each Savings Accelerator account. However, you can open up to nine Savings Accelerators and nominate a different linked bank account for each if required.
Despite being an existing customer we may need you to verify your identity depending on the type of product that you are applying for - we'll let you know what you need to do if this is the case.
Deposits to savings accounts made via direct debit from your linked account will be held for three business days from the date of receipt provided they are received before the cutoff time (currently 7pm (Sydney time)) on a business day. You will not be able to draw on these funds until three business days have elapsed. This time allows for ING to receive confirmation from the paying financial institution that the funds are available.
Please wait while we refer you to a live agent
To apply, you'll need to:
Be an Australian resident for taxation purposes
Be at least 18 years old
Have an Australian residential address
Have an Australian mobile phone.
Terms of one year or less
Interest is calculated daily, on each daily balance during the term, by using
the interest rate applied on the day we open your account to the amount of your
deposit on that date, using the following formula.
Daily closing balance x interest rate (as a percentage) / 365
Terms of more than one year
Interest is calculated daily, on each daily balance during the term, by using
the interest rate that applied on the day we opened your account, using the
following formula:
Daily balance x interest rate (as a percentage) / 366
Please wait while we refer you to a live agent
Please wait while we refer you to a live agent
Tap Pay > Pay Anyone
Your Address Book will pop up. If you need to add a new account tap Add new,
and either select from the Bank account or PayID options, then enter the details of
the account you wish to transfer to.
Select the account you want to pay from. Enter the Amount, Description and
reference (both optional) and tap Continue
Review the payment details are correct on the Confirm details page and tap
Pay. The confirmation details will appear shortly after.
To link your Savings Maximiser to your Orange
Everyday, simply log into online banking, then:
select 'Manage Accounts'
click 'Linked bank account'
select your Savings Maximser
click on the 'Link to' dropdown button and you will be able to select your
Orange Everyday from the dropdown menu.
Unfortunately we can't. You'll need to give your old financial institution a call or visit a branch to close your old account. Be mindful that you may be charged fees on your old account if you keep it open.
Yes. It is a condition of settlement of the
Orange Advantage that an Orange Everyday account be linked for the purpose of
interest offset.
The balance in your Orange Everyday is offset against the outstanding
balance on your home loan before interest is calculated.
So, the more you have in your Orange Everyday account, the less
interest you pay on your home loan.
PayID is an address for receiving payments,
created by linking a financial account that you own to a recognisable alias
such as your mobile number or email address. With PayID, users can send and
receive payments with unprecedented ease, convenience and confidence. ING
offers your mobile number, email address and business ABN number as the
alias.
To apply online for a joint ING Savings
Accelerator, log in to Online Banking and select 'Products' and follow the
prompts.
During the application process, you can request that the Savings
Accelerator account is to be opened in joint names. Please note that a joint
Savings Accelerator must be linked to an existing joint bank account, held in
the same names that appear in your application.
If you have the funds available in your ING
account to cover it, you can BPAY any amount that falls within the biller's
specified range. Some billers, for example, may require you to pay no less
than $10, or no more than $5000.
Important to note is that these limits cannot be changed. So if
attempting a BPAY and it won't work - even when you have the funds to cover
it - contact the biller directly for alternative payment options.
$1,000 or more - order in online banking under
'Transfer & pay' and select 'Bank cheque'.
Less than $1,000 - Please visit the Contact Us page for our operating
hours and contact numbers.
Business Optimiser is an online business savings
account, so you do all your banking on the internet and/or phone. It's
suitable for businesses (companies, partnerships and sole traders),
non-profit organisations and Trusts, including DIY Super.
How does it work?
Simply link your Business Optimiser to an external bank account and
move your money in and out of your Business Optimiser as often as you
like!
Your balance is appearing on the main screen. You can manage how your accounts are displayed by clicking on the menu button in the top left hand corner.
It helps you move money in and out of ING
accounts. It's the account:
from which we transfer money when asked to your ING account
to which we transfer money when asked from your ING
account.
Good to know is that you can easily set up and use Orange Everyday as
your linked account for your other ING accounts, or you can use an external
bank account held in Australia (and in the same name(s) as your ING
account).
Only one bank account can be linked to your ING account at any one
time.
Depending on your request, the process will generally take up to 5 working days. If we send you a Random Value Transaction, it will take approximately 1 day from the time you confirm the amount online or over the phone.
You can't round up the following
transactions:
direct debits
BPAY
ATM cash withdrawals
Pay Anyone transfers
transfers between accounts (inc. home loan payments)
bank cheque
There are two ways to register for Security
Codes:
Open an account with us. During the online account opening process,
you'll be asked to register for Security Codes by following a simple
process.
If you have been asked to register for Security Codes via mail or after
logging into online banking, simply:
click 'My Profile'
select the 'Security codes' option
If drawing a cheque from your Orange Everyday,
we will process your request within 1- 2 business days.
Once your bank cheque is drawn, it will be sent via Registered Mail.
For delivery timeframes please refer to Australia Post
(www.austpost.com.au).
Please wait while we refer you to a live agent
To open or apply for a new ING account:
Log into online banking or the mobile app
For online banking, go to "Apply for Products" in the main menu. For
the mobile app, go to 'Products' in the side menu
Select the account you want
Follow the prompts
The Orange Everyday and Orange Everyday Youth accounts don't pay interest.
As part of the application process, the linked
bank account, business, personal identities of the authorised users and any
other associated parties must be verified.
If you are opening an account for the first time in the business name,
you need to provide a certified copy of the following as well as any relevant
documents for the entity based on the supporting document requirements noted
below:
Any other documents or information we require, e.g. a tax assessment
notice not more than 12 months old;
The account details of the entity’s external bank account, e.g. a
cheque or encoded deposit slip (i.e. a deposit slip with the account number
printed on it), statement from the external bank account;
You will be asked to provide the entity’s Australia and New
Zealand Standard Industrial Classification (ANZSIC) / Standard Economic
Sector Classification of Australia (SESCA) information as part of the Common
Reporting Standard (CRS) appendix
For supporting documents needed to open and verify a Business Optimiser
or Business Term Deposit, please refer to, the relevant business type below
to see what requirements are necessary:
Sole Trader
Partnership
Company
Individual as Trustee
Company as Trustee
Incorporated Association
Bank@Post™ is an agency banking service
offered at over 3300 on-line Australia Post outlets. It allows customers to
use their credit or debit cards at the post office to undertake a variety of
financial transactions with participating banks and other financial
institutions, including:
deposits and withdrawals
account balance enquiries
payments for credit card bills
App updates will be available via the App Store or Google Play store only. Please do not install apps that appear to be from ING from any other app store.
Withholding tax is calculated by applying the
current highest marginal tax rate and Medicare levy to the interest earned on
your account.
You are not required by law to provide us with your Tax File Number
(TFN). However, if you do not provide your TFN or details of your available
exemption, we may be obliged to deduct withholding tax from the interest we
pay into your account.
Should you require any further information on TFNs, please refer to the
Australian Taxation Office.
Just login to Online Banking, go to 'Apply for
Products', choose "Business", then "Business Optimiser" and follow the
prompts.
We get a lot of satisfaction from delivering
better offers in banking. So we're happy we can offer you everyday banking
without any monthly account keeping fees, as well as no ING fees on everyday
transactions.
For not-so-everyday transactions, please see the Everyday Banking Fees
and Limits schedule
https://www.ing.com.au/pdf/Orange_Everyday_Fees_and_Limits_Schedule.pdf
You can update your email address in the ING app
by:
Log into the ING app
Tap the navigation menu
Select ‘My Profile’
Select ‘Contact Details’
Press ‘Edit Details’
Each month that you are eligible, you can access
rebates whether in Australia or overseas on:
The first 5 fee incurring ATM withdrawals (excludes international ATM
operator fees)
For Orange One: Fees incurred for ATM withdrawals (excludes
international ATM operator fees)
To qualify for these rebates in any month, you need to meet the
following requirements in the previous calendar month:
Deposit $1,000+ from an external source (such as your pay) to any
personal ING account in your name (excluding Living Super and Orange One),
and also
Make 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, BPAY transactions, Direct Debits using an account
number and EFTPOS cash out only transactions).
For ATMs in Australia, any ATM fee charged by the ATM operator is
rebated immediately following the transaction. For overseas ATMs, the rebate
will appear within five business days. Note though, as mentioned above,
international ATM operator fees will not be rebated from 1 August 2023.
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 the Savings Accelerator account balance falls below $50,000, a lower interest rate will be applied to the entire balance, although you will continue to earn interest on your savings. Once your account balance increases above $50,000, you will earn a more rewarding interest rate on your entire balance. If your balance is below $50,000 on a regular basis, then it might be worth considering our Savings Maximiser.
We will send you an SMS or email (if you have
provided your mobile or email address) once the account has been linked
successfully.
We will also send you a message in your Online Banking.
All Personal and Business Term Deposits that
roll over on or after 31 October 2014 benefit from a ‘grace
period’ of 7 calendar days, starting from the maturity date.
During the grace period, changes can only be made by contacting us. A
My Message is sent to confirm the change that has been made.
Please visit the Contact Us page for our operating hours and contact
numbers
Note: this message supersedes the maturity letter that is automatically
posted and if you close your account during the Grace Period, no My Message
notification is sent. You will receive a closing statement in the next
statement period.
During the grace period you can close your Personal or Business Term
Deposit without incurring a reduction in the interest rate that applies to
your account. You can also change the amount of funds in your new account
and/or change the term of your Term Deposit.
You can make changes to your Personal or Business Term Deposit during
the grace period only once. So, for example, whilst you may change the term
of your Personal Term Deposit on day 3 of the grace period, you cannot also
add additional funds to your Personal Term Deposit on day 5 of the grace
period.
You can change the PIN on your Visa Credit card
in our app.
1.Login to your ING App and select Cards
2.Select the card from the list to view the settings
3.Select Change Card PIN
4.Follow the prompts to update your pin
When you have an Orange One, you'll need to make repayments from an eligible ING account - so we've made it part of the criteria to have an Orange Everyday. As well as making credit card repayments easy, your Orange Everyday also gives you the flexibility to make everyday transactions.
Yes. The interest rate for the Savings Maximiser
is a variable rate. Therefore, if we increase or decrease the standard
variable rate, it will apply to your Savings Maximiser from the effective
date.
ING doesn't offer overdraft facilities.
Once you have located funds in your name on the
ASIC website and have obtained the ASIC reference number, please fill the
relevant forms below.
ING cannot disclose any information about the account (or possible
account) unless your identity and access to the account information has been
confirmed.
Please be aware that you will need to provide sufficient proof of
account ownership and identity. Once this has been established, ING must
inform ASIC. ASIC will send the funds to ING, and we will then send them to
you.
Please note that ASIC can take up to 60 days to return your funds to
ING or to ask for additional information once ING has forwarded your request
to them. This process can take up to 13 weeks from the moment ING receives
your request and the funds are returned to you.
To lodge a claim for a Personal Account:
Click Here to view forms:
https://www.ing.com.au/help-and-support/documents-and-forms/bank-and-save.html
Print and complete the Request for Refund of Unclaimed Monies for a
Personal Account Form and post to:
ING
Reply Paid 2682
Sydney NSW 2001 (no stamp required)
If you are reclaiming funds for a deceased estate and there is no
Probate or Letters of Administration and the Estate of the Deceased is over
$50,000, please also complete the Unclaimed Monies Deceased Indemnity Form
and post to:
ING
Reply Paid 2682
Sydney NSW 2001 (no stamp required)
If you are reclaiming funds and have a Power of Attorney, please also
complete the Unclaimed Monies Statement of Non-Revocation of Power of
Attorney and post to:
ING
Reply Paid 2682
Sydney NSW 2001 (no stamp required)
To lodge a claim for a Business Entity:
Print and complete the Request for Refund of Unclaimed Monies for a
Business Entity Form and post to:
ING
Reply Paid 2682
Sydney NSW 2001 (no stamp required)
Total/Current Balance
The total/current balance incorporates all transactions that have been
processed to the account.
It may include funds which have been deposited but not yet cleared and
therefore are not available for withdrawal.
Likewise it may include recently withdrawn funds (or funds that are
held under a Visa card authorisation) that are yet to be processed by the
merchant. For more information on Visa Card Authorisations, see 'What is a
pending authorisation?'
Available Balance
The available balance is the amount available for withdrawal from your
account.
Note: Daily transaction limits may apply.
Osko by BPAY®, is the latest payments
innovation from the BPAY Group. Osko by BPAY is an innovative payment service
built on the New Payments Platform, it allows all Australians to make and
receive faster, 24/7 payments for ING customers through to any participating
Financial Institution. Rather than waiting hours or days for a payment from
someone who owes you money, and who happens to use a different bank, money
can now be moved in near real-time with funds available almost immediately.
The service could be used when paying at a group dinner, socialising, or even
paying a plumber on the spot. Osko by BPAY enables payments to one another
more conveniently than ever before.
The maximum daily limit for Osko (real-time payments) is $5,000 per
day, per account.
Once you have reached your real time payment limit, you will receive an
alert before processing your transaction to inform you.
You can still proceed with your transaction, it will be processed in
1-2 business days
Osko® is a registered trademark of BPAY Pty Ltd ABN 69 079 137
518.
Yes.
However, certain transactions require use of SMS Security Codes, which
can only be sent to the Australian mobile number that you have on file with
ING. To use Security Codes while overseas (and to enable us to contact you),
you’ll need to enable global roaming on your phone.
You should check with your mobile phone provider if you will incur
charges for this.
You'll have the same account number on shared
accounts, but individual client numbers and access codes.
To be on the safe side, please keep your access code to yourself, and
change it straight away if you think someone else may know it.
You may have locked yourself out of online
banking.
If you are registered for security codes, you can reset your access
code online by clicking on 'Forgotten your Access Code' at the bottom of the
page. You will be asked to follow the below steps:
Enter Client Number
Enter Date of Birth
Click on ‘SMS Security Code’
Enter the Security Code
Enter new Access Code
Confirm new Access Code
If you are not registered for security codes or require additional
help, call us and we can fix any problems you are having.
Yes. You can register multiple devices.
If you’ve authorised your attorney to open
and/or operate your ING account, they need to complete a paper application as
additional documentation will be required, including:
our Power of Attorney Details Form, completed and signed-
https://www.ing.com.au/pdf/SUP00009_POA_0915_WEB_SEC.PDF
and
the original or certified copies of any documents concerning the
appointment of your attorney and their identity.
The attorney must be authorised to operate your linked bank
account.
Attorneys are only able to operate on the account by calling a Customer
Care Specialist and answering key identity questions or by submitting a
written request.
Yes, you can use your Orange Everyday card
internationally. You must select 'Credit' at the merchant terminal or ATM
when travelling overseas.
Certain fees may apply to transactions when you use your Orange
Everyday card internationally. These are set out in the Everyday Banking Fees
and Limits Schedule. You may also be able to access rebates on some of the
fees charged for these transactions. For details on available rebates and how
to qualify for them, refer to the Orange Everyday Benefits Schedule.
ING monitors for suspicious activity to help protect you. If suspicious activity is identified, transactions may be declined or not processed. You will receive an SMS notification which will advise a temporary hold has been placed on your card or a stop on your account, and instructions on how to remove the hold or stop.
You can only enter the Security Code up to three times to conduct a transaction. On the third incorrect attempt to enter a Security Code, your ING online access will be suspended.
You must make the BPAY transaction before 4pm
(AEST/AEDT) on a business day for BPAY to receive the funds from ING the very
same day.
BPAY will then forward the funds to the Biller which may take 2 to 3
business days to reach the biller.
Yes, any mobile phone number can be used to register for Security Codes.
Public holidays impact the clearance times for
transfers (excluding the NSW Bank Holiday & Labour Day) as follows:
Internal transfers within ING will still transfer instantly (if you've
transferred to that payee before), however transfers between banks will be
impacted.
For deposits in to your ING savings accounts, made by direct debit, you
will need to add additional clearance time for any public holidays.
Direct debit requests are held for three business days from the date of
receipt, provided they are made before our cutoff time of 7pm Sydney
time.
So if a public holiday falls in this time, the funds will be held for
four full days for example.
This time allows for ING to receive confirmation from the paying
financial institution that the funds are available.
For withdrawals and Pay Anyone's to external bank accounts, you will
also need to add an additional clearance day for any public holidays.
If funds are transferred before our cut off time of 7pm, funds are
generally transferred to your external bank account by the next business
day.
If you are transferring on a public holiday, or the next business day
is a public holiday, you will need to allow an additional day for the funds
to arrive.
Business Optimiser statements are sent via post
every 3 months (received in early January, April, July and October each
calendar year).
Orange Everyday statements are only available online and are issued
every 3 months (received in early January, April, July and October each
calendar year).
Orange One - There are two statement periods for Orange One:
One which runs from the 8th of the month to the 7th of the following
month (if you’re on this statement schedule, you’ll receive an
email on the 8th of the month letting you know your statement is ready and
waiting).
Another which runs from the 22nd of the month to the 21st of the
following month (if you’re on this statement schedule, you’ll
receive an email on the 22nd of the month letting you know your statement is
ready and waiting).
The length of your first statement period may vary depending on the
date your account was initially approved.
If you are unsure which cycle you're on, please review a previous
statement for the account.
The ING Orange Everyday account can be the
account where you put your hard-earned money, like your salary or other
sources of regular income. You are able to access and move your money
via:
Visa Debit Card - use it at 24 million locations, including over 1
million ATMs worldwide
Instant transfers between your Everyday account and your linked high
interest Savings Maximiser or Savings Accelerator
BPAY® - the most popular and convenient way to pay bills
Pay Anyone - transfer money to another bank account in Australia
Bank Cheques - for large purchases like a deposit for a house
As a branchless bank, we've got self-service banking options
sorted.
You can conveniently manage your Everyday account via online banking,
mobile banking or phone banking.
Your debit or Credit card is only valid during
the period stated on the card and cannot be used after this date. The card
will expire at the end of the month in the expiry date. For example, if the
expiry date is 12/23 the card will expire at the end of December 2023.
We will automatically issue you with a new debit or Credit card before
the expiry date. These cards will be sent the month prior to expiry and can
take up to ten business days to be received.
Yes, you can link an existing Savings Maximiser,
Savings Accelerator or Orange Everyday account to an ING Personal Term
Deposit (as long as it is in the same name(s) as your Savings Maximiser,
Savings Accelerator or Orange Everyday.
Alternatively, you can choose to link a Personal Term Deposit to an
external bank account held with an Australian financial institution which has
a BSB and account number and is in the same name(s).
You can do this in online banking under "Manage accounts" in the main
menu and select "Linked bank account".
The money cannot be used or withdrawn until we
have cleared the cheque and the money becomes "cleared funds".
Things to Note:
If the cheque is dishonoured, the amount of the cheque and any interest
that has accrued on the amount (if a savings account and has been credited to
the account) will be debited (withdrawn) from your account.
There is no interest payable on an Orange Everyday account.
Yes. The interest rates for the Savings Accelerator are variable rates. Therefore, if we increase or decrease the standard variable rates, it will apply to your Savings Accelerator from the effective date.
Registration to receive a Security Code is for your added online banking protection and is required to conduct certain transactions. This is part of an enhanced security measure known as two factor authentication, being something you know (your existing Access Code) and something you have (your mobile phone, where you receive Security Codes via SMS). You'll be unable to access online or phone banking unless you're registered for them.
Sometimes, your PC settings will prevent us from
being able to display your statements. The first thing to check is that your
pop-ups are enabled as statements will open in a new window. So we need to
get technical and check some settings on your computer.
Adobe Acrobat Reader
Check it is installed on your PC. If not, download a free version from
Adobe. The recommended version is 8+.
If it is installed, check that it is version 6 or above.
Check that you don't have more than one version installed. To do this,
go to Start > Settings > Control Panel > Add or Remove Programs. If
there is more than one version listed, you need to uninstall ALL versions of
Acrobat and reinstall only the newest version.
Internet Security Software
You may have other Internet Security Software installed on your PC that
stops the PDF file from being opened in Acrobat Reader. If so, then either
allow the file to be opened or temporary disable the program (please refer to
the vendor's manual) while the statement reprint is requested.
Yes. When you apply for an Everyday account
online, you will have the option to open a Savings Maximiser and link it to
your Orange Everyday
Just login to Online Banking, go to 'Apply for Products', choose
'Everyday banking' and following the prompts.
If your Savings Maximiser is linked to an Orange
Everyday, the withdrawal will happen straight away.
If your Savings Maximiser is linked to an external bank account,
withdrawals made before the cut-off time (currently 7pm Sydney time) on a
business day, are generally transferred to your linked bank account by the
next business day.
There are a number of reasons why your Direct
Debit may not be not working.
It may be because:
The details for the linked bank account are incorrect
There are insufficient funds in your linked bank account
The other bank has cancelled the Direct Debit request
Your ING account is not yet active
We suggest that you contact your other bank to check that you still
have enough funds available to pay your Direct Debit, and that it is set up
correctly.
Once you're registered, every time you want to perform certain online banking transactions, you'll be prompted to request a Security Code. A Security Code will then be sent to your mobile phone via SMS. You'll be asked to verify the details in the SMS we send you against the transaction details entered on the screen and enter the Security Code in the secure online area within 5 minutes of receiving it. It's simple. The only thing you have to remember is to keep your mobile phone handy when banking online.
Security Codes provides you with an additional
level of protection. When banking online your existing Client Number and
Access Code already provide you with security. But because you can't be too
safe when it comes to your information and money, to enable you to perform
certain transactions online with even greater confidence we've introduced an
additional level of security called Security Codes.
These are once-only codes sent to your mobile phone. Once received, you
need to enter the Security Code in the secure online area within 5 minutes of
receiving it every time you perform certain online transactions such as
paying bills via BPAY for the first time or changing any of your contact
details (address, phone number, etc). Expiring after 5 minutes, they help to
ensure it is you (rather than a potential fraudster) who is performing the
transaction.
Security Codes are a form of "two-factor authentication" designed to
protect you against many types of online fraud such as phishing, Trojans and
identity theft. Two-factor authentication is a process designed to verify two
things - something you know and something you have. In the case of ING, we
verify your Access Code (something you know) and your receipt of a Security
Code sent to your registered mobile phone (something you have).
Yes, you can. If you need to make Pay Anyone or
BPAY payments while travelling, make sure the recipients are in your Address
Book.
To add new recipients, follow the steps below:
Online Banking:
Log into Online Banking
Select the menu bar and click 'Transfer & Pay'
Select 'Address book'
Add a new Payee or BPAY biller
Enter details and click 'Save'
You will need to receive a Security Code when you make your first
payment.
For individuals, any of the following things may
indicate foreign tax residence:
US citizenship
Permanent residence internationally
International address (resident or correspondence)
US place of birth
International telephone number
Power of Attorney or signatory authority granted to person with
international address
Standing instructions to transfer funds to an account maintained
internationally or directions received from an international address
When it comes to entities:
The entity is domiciled in a foreign jurisdiction;
Place of effective management or incorporation/organisation of the
entity is international.
No, you can only register one mobile phone at a time.
A Customer Reference Number, or CRN, is a unique
number that is allocated to a bill in order for the Biller to identify the
account that is to be paid.
The Biller code character limit is 10 digits or less.
You will need to refer to your current bill when making a payment to
ensure the correct CRN is entered.
Scheduled payments are transfers made for a date
in the future. You can create a one-off or recurring payment (weekly,
fortnightly, monthly, and quarterly), and you can make the payment
via:
funds transfer (internal and external)
Pay Anyone
BPAY
Scheduled payments can be processed out of the account at any time on
the scheduled day, keep in mind transactions to another financial institution
may take 1-2 business day to arrive, if made before the cut-off time on a
business day (currently 7pm AEST/AEDT).
When you log into online banking, you will see
links to your incomplete applications on the "My Summary" page. Choose the
application you want to complete and follow the required steps.
Alternatively, you can also find your incomplete applications on the
list of accounts under the "Accounts" page.
A sub-account is a secondary account within a
parent account, often used for expense tracking.
ING does not offer sub-accounts, however, we do offer a range of
different savings accounts with competitive interest rates and no ING
fees.
Multiple savings accounts can be set up under one account holder with
the ability to name each of them individually.
Real-Time Payments via the New Payments Platform
(NPP):
Payments made using the NPP are generally available instantly in the
receiving bank.
You can confirm if your transaction was sent via the NPP by checking
the clearance time displayed after making the transaction.
BPAY Payments:
The cut-off time for BPAY payments is 4:00 PM (AEST/AEDT) on business
days.
BPAY payments made before the cut-off time are typically considered
received on the same business day by participating billers. Payments made
after the cut-off time or on a non-business day will generally be considered
received on the next business day.
Withdrawals to Other Bank Accounts:
The cut-off time for withdrawals to other bank accounts is 7:00 PM
(AEST/AEDT, Sydney time) on business days.
Withdrawals made before the cut-off time are generally transferred to
the other bank account on the same business day. If made after the cut-off
time or on a non-business day, the funds will typically be transferred on the
second business day after the withdrawal is made.
Payments to other ING accounts:
The first time payment to a new ING account or one that you have paid
to before but not saved in your address book for an amount over $1,000 will
have a 12 hour minimum hold time. If a payment is sent before 7pm on a
business day it will generally arrive the next business day morning.
If you dispute a transaction on your Visa Card
and have been unable to resolve it with the merchant, we may claim a refund -
known as a 'chargeback' - from the merchant on your behalf.
To tell us about the dispute, please complete the Visa Credit/Debit
Card Dispute Transaction Form (download here:
https://www.ing.com.au/pdf/Visa_CreditDebitCardDisputeTransactionForm.pdf)
and send it to us by the following methods:
Mail to: ING Card Services, GPO Box 4094, Sydney NSW 2001.
or
Attach and email to: card.investigations.au@ing.com
Please ensure you do this promptly as, depending on the transaction
type, we need to process within 45 to 120 days from the transaction date to
claim the chargeback.
If you need to dispute an unauthorised transaction on your card (you
have not given permission for the merchant to take the funds) you may need to
call us to arrange a replacement card.
You should receive the Security Code within a few seconds. Delays may occur if your mobile network is congested.
No. If you have already opened a Personal Term Deposit, the interest rate will remain fixed for the duration of the term. The interest rate that applies to an ING Personal Term Deposit is the interest rate that is current on the date the Personal Term Deposit is opened.
ING does not offer a frequent flyer
program.
Please wait while we refer you to a live agent
We continually review our interest rates to make
sure they remain competitive within the market place.
Our current interest rates are available here or visit our interest
rate announcement page
https://www.ing.com.au/rates-and-fees/interest-rate-announcement.html
Please wait while we refer you to a live agent
If you would like to order a deposit book for
your Savings Accelerator account, you can do this by sending us a Message via
online banking.
To send us a Message, simply log into online banking, go to "Messages"
in the menu and follow the prompts.
Yes, you can request up to three Security Codes per transaction.
No. The Debit Card can only be used to access the funds in the Orange Everyday and not the funds available in redraw. Simply redraw funds from your Orange Advantage either online or on the mobile app to your Orange Everyday and then you can access these funds with your Debit Card.
ING will consider all international documents
submitted on a case by case basis. Generally, we accept the following
documents submitted as an original or originally certified copy:
Birth Certificate
Marriage certificate
Death Certificate
Drivers licence
Passport
If the original document is in a language other than English, we will
require a translated copy.
Yes, simply log into online banking, select
'Manage Accounts' and 'Linked bank account'. Then follow the instructions to
change your Linked Bank Account for each of your products to your Everyday
account.
Note: Each ING savings product can only have 1 linked bank account.
Yes, you can make extra repayments from any
eligible ING account to your Orange One any time you like using the app or
online banking.
Unfortunately if you did not keep your Application reference and application code, then you will need to reapply.
Your interest is calculated daily on the closing
balance and added to your account at the end of each month, so you earn
interest on your interest. The formula we use is:
Daily closing balance x interest rate (as a percentage) / 365
Please note, differences in interest month to month, when no
transactions have occurred on your account, is due to the number of days in
each month i.e. March has 31 days and April has 30 days, therefore one day
less interest is accrued.
Google Pay is the simple and secure way to pay
with your Android phone using the NFC (Near Field Communication) feature on
your phone.
Being able to make payments with your phone means that you'll be able
to have complete financial freedom in the palm of your hands. You'll be able
to pay for things in a fast, easy and safe way - all while leaving your
wallet at home!
If you wish to name your Savings Accelerator
account e.g. "Holiday" or "Dream Home", you can easily do it online:
Login to Online Banking
Go to the account you wish to change the nickname on
Select the pencil button next to the existing name
By making the direct deposit to ING from your linked account, we can verify that the account details that you provided in your application are correct. When this has been confirmed you can then perform a direct debit from your linked account.
Security Codes are a free service to make online banking even safer for you. ING will not charge you to receive a Security Code. You should check with your mobile phone provider to see if they charge you for receiving an SMS, particularly when you are outside Australia.
Different jurisdictions define tax residency in
different ways - so it will depend on what country you are dealing with.
There are some common criteria though.
If you're an individual (or a Controlling Person) you may be considered
a foreign tax resident if you have a substantial connection with another
country (or treat it as your permanent home), or if you have personal and
economic activities or interests overseas.
When it comes to entities, tax residency will depend on where the
entity (or its incorporation/organisation) is domiciled or effectively
managed.
That said, even a temporary stay overseas can affect your tax residency
- and it's also possible for an individual or entity to be considered a tax
resident in more than one jurisdiction. If you're a government official,
diplomat or in the military, you will generally be a tax resident in your
home jurisdiction - however it will always come down to local regimes.
ING is not allowed to provide tax advice to help you determine your tax
residency, so it's best to check specific conditions with the local
government in the appropriate country or countries.
The definition of Tax Residency varies per
country. ING is not responsible for determining a customers' Tax Residency
and is not allowed to advise customers. It is the customer's responsibility
to inform ING if they are a foreign tax resident. The general principles are
as follows:
For an individual, tax residency is typically the country where they
are subject to tax, because of where they live, reside or are domiciled. In
the case of the United States, it may also relate to the country in which a
person was born and or is a citizen of.
For an entity, tax residency is typically the country it is subject to
tax, because of where it is incorporated, or is managed.
In most cases, an individual or entity will have a single tax
residency. However, multiple tax residencies are possible.
The foreign tax residency information is mandatory for the following
type of parties:
Entities with the status Active NFE/ Active NFFE, Passive NFE/NFFE,
Passive NFE (Undocumented), Professionally Managed Investment Entities in
Non-Participating Jurisdictions.
Individuals and Controlling Persons with the status: Private Individual
and Undocumented.
If the customer does not comply or fails to respond to requests for
information about their tax residency, ING must record the foreign tax
residency based on CRS and FATCA indicia in ING's possession.
No. A Savings Accelerator must not be opened or
operated for business, trade, superannuation, trustee purposes or on behalf
of a deceased estate.
If you wish to use an account for these purposes then it might be worth
considering our Business Optimiser.
We don't have any ATMs. Not having branches or
ATMs saves us money, that's why we don't charge you additional fees for using
any of the ATMs in Australia. Domestic and International ATM
operators, may charge you fees to use their ATMs and if you’re using
your ING card to withdraw cash from an ATM overseas then an ING international
ATM withdrawal fee will also apply. However, each month that you are
eligible, you can access rebates on:
For Orange Everyday: The first 5 fee incurring ATM withdrawals
(excludes International ATM operator fees)
For Orange One: Fees incurred for ATM withdrawals (excludes
International ATM operator fees)
Yes. You can use the Verified by Visa service from any computer with internet access.
Please wait while we refer you to a live agent
We do not provide cheque books for savings
accounts. The Business Optimiser has been specifically designed to work
together with your existing day-to-day bank account.
You can use online, mobile or phone banking to transact on your
account.
The Financial Claims Scheme (FCS) limit of
$250,000 applies to the sum of an account holder's deposits under the one
banking license.
Therefore, all deposits held by an account holder with a single banking
institution must be added together towards the $250,000 FCS limit, and this
includes accounts with any other banking businesses that the licenced banking
institution may operate under a different trading name.
ING is a business name of ING Bank (Australia) Limited ABN 24 000 893
292 and all accounts held with this institution that also satisfy the
requirements of the Prudential standard are protected under the scheme.
You will need to provide details such as; Biller
Code, Biller Name, CRN (Customer Reference number), and amount.
Additionally, you have the option to nickname the Biller and save into
your address book for future use.
To help track your payments some Billers use variable Customer
Reference Numbers (CRNs).
If you have a Biller with a variable CRN, we will only save the Biller
Code.
You will need to refer to your current bill when making a payment to
ensure the correct CRN is entered.
Note: The Biller code character limit is 10 digits or less.
If you are over 18 you need an Orange Everyday - single or joint account - and a Savings Maximiser, Orange Advantage or Mortgage Simplifier in your name.
No, provided you are paying billers that are
already in your Address Book.
If the biller is not currently in your Address Book, you can do this
via online banking where you will be asked to use a security code.
Log into Online banking
Go to 'Transfer & pay'
Select 'Address book'
Under the address book listing there is a button for;
'New payee'
'New BPAY Biller'
Enter the required details for the contact
Select 'save'
You will be provided with the opportunity to review these details and
change if necessary
Once you have reviewed these details to ensure they are correct, you
will be required to complete the SMS security code request. Click the 'Get
SMS code' to receive a code.
Enter the code
Click 'Confirm'
You will receive confirmation that the person or biller has
successfully been added to your address book.
Tap PAY > Transfer between accounts
Select which ING account you want to transfer FROM and TO
Enter the Amount and Description
If you select When? – you can choose from the three options Now,
Later, and Recurring
Tap Continue and review that the details are correct. Then, tap
Transfer and you’re done!
Scammers can be very convincing - they can pretend to be from your bank, the government, police, charities, financial advisors, international lotteries, travel agencies and service providers, like for your electricity, internet or phone. They can contact you using emails, phone calls or text messages and try to get personal information about you that they can use to access your accounts.
Please wait while we refer you to a live agent
Please wait while we refer you to a live agent
Select your account
Tap on the transaction to view the transaction details
You can check which of your Savings Maximiser
accounts is nominated to receive the highest variable interest rate (if
eligible) in online banking.
Simply log in at ing.com.au, go to My Accounts and you can view and
edit the nominated account in the Bonus Interest section.
You can opt out of receiving personalised ING
Pocket Perks offers, or communications about them, by opting out of receiving
marketing from ING.
However, ING Pocket Perks will continue to operate on your account and
you will receive cashback if you happen to qualify for an offer that is
available to you.
You’ll still be able to access ING Pocket Perks offers in the ING
app, but any offers available to you will be generic and not personalised to
you based on how you use your card.
The New Payments Platform (NPP) is a major industry initiative to develop new infrastructure for Australian payments. It provides Australian consumers, businesses and government faster, simpler, smarter payments through a fast, versatile, data-rich payments system. NPP has changed the way Australians pay and transfer funds. It is an innovative payment service which allows all Australians to make and receive faster and flexible payments via any participating financial institution. Rather than waiting hours or days for a payment from someone who owes you money, and happens to use a different bank, money can now be moved in real-time with close to immediate funds availability. The service could be used when paying at a group dinner, socialising, or even paying a freelancer on the spot.
There are a number of benefits to using a PayID,
including:
PayID makes payments an intuitive experience in keeping with the way we
live life today, and does it in a way that is safe and secure.
Greater convenience as you can provide Payers with details which are
easy to remember such as an email address or mobile number.
Greater peace of mind as you no longer have to provide your financial
account information, such as BSB and account number to Payers in order to
receive payments.
Services that use PayID may display a PayID Name before you send a
payment as an additional level of confirmation that you are sending money to
the right person.
Ability to maintain and transfer your PayID if you change Financial
Institutions.
You can set up a PayTo payment agreement with your merchant. Once you’ve given them your Orange Everyday PayID or BSB and account number, they will send you a PayTo payment agreement which you can review and authorise in ING Online Banking or ING app.
SWIFT stands for Society for Worldwide Interbank
Financial Telecommunications.
Basically, it's a computer network that connects over 900 banks around
the world enabling them to transfer money. ING is part of this network.
There is no fee for accepting deposits into your account with ING.
However, due to ING not holding a "dealing authorisation" for foreign
exchange, we are unable to accept funds in foreign currency directly from
another country.
To receive foreign currency funds from overseas, the funds require
going through an intermediary/ corresponding bank within Australia.
ING has no control on which bank the funds may go through and any fees
that may be charged. Some banks charge a flat rate, some a percentage.
IMPORTANT
Domestic SWIFTs from an Australian Bank can be accepted into Savings
Maximiser, Savings Accelerator, Business Optimiser, Orange Everyday and Home
Loan accounts
International SWIFTs can only be accepted into Orange Everyday, Savings
Maximiser or Home Loan accounts. SWIFTs received into any other product will
be rejected which may result in exchange rate differences when returned to
the sending bank.
Arranging a SWIFT
To get funds deposited into your ING Orange Everyday, Savings Maximiser
or Home Loan from an international bank using SWIFT, you'll need to provide
the following:
SWIFT code: INGBAU2S
Currency: $AUD
BSB: 923-100
Bank Name: ING
Beneficiary Account Number: this is your account number (Orange
Everyday, Savings Maximiser and Home Loan accounts only)
Beneficiary FULL Account Name: this is your name (FULL first and FULL
surname of all account holders)
Beneficiary Residential or Mailing Address as held with ING.
Sender’s FULL name - (FULL first and FULL surname of all account
holders)
Sender’s Residential or Mailing address
Branch Address: Sydney or 60 Margaret Street, Sydney, NSW, 2000
If the bank asks for the 'Clearing code', this is equivalent to the BSB
(923-100).
Clearance Times
Depending on intermediary banks, weekends and time zones, please allow
2-5 days for funds to reach your ING account.
Your balance is appearing on the main screen. You can manage how your accounts are displayed by clicking on the menu button in the top left hand corner.
We get a lot of satisfaction from delivering
better offers in banking. So we're happy we can offer you everyday banking
without any monthly account keeping fees, as well as no ING fees on everyday
transactions.
For not-so-everyday transactions, please see the Everyday Banking Fees
and Limits schedule
https://www.ing.com.au/pdf/Orange_Everyday_Fees_and_Limits_Schedule.pdf
Bank@Post™ is an agency banking service
offered at over 3300 on-line Australia Post outlets. It allows customers to
use their credit or debit cards at the post office to undertake a variety of
financial transactions with participating banks and other financial
institutions, including:
deposits and withdrawals
account balance enquiries
payments for credit card bills
Please visit our Everyday Banking Fees and limits schedule for daily withdrawal limits https://www.ing.com.au/pdf/Orange_Everyday_Fees_and_Limits_Schedule.pdf
At ING we understand that anyone or any business
may experience difficulties coping with financial commitments due to
unforeseen circumstances. For example, a loss of employment, a relationship
breakdown, illness or injury may cause you to struggle with your
repayments.
Our Financial Support Team will try to help you find a suitable
solution to manage your repayments whilst you get back on your feet.
To apply for financial support, complete the Request for Financial
Support form (which explains what supporting documentation is required):
https://www.ing.com.au/help-and-support/tips-hints-guides/financial-hardship.html
or
Call our Financial Support Team on 1300 349 166 Monday to Friday 8.45am
to 5.00pm (EST).