You're eligible for the additional variable rate on your nominated Savings Maximiser when you also have an Orange Everyday bank account and each month you do all of these things:
So if you hold an Orange Everyday account and continue to make the required $1,000+ deposit each month, make 5+ card purchases that are settled (and not at a 'pending status') each month, and grow the balance of the nominated Savings Maximiser account each month, you'll continue to get the Savings Maximiser additional variable rate every month.
You will receive the additional variable rate when you meet the criteria in the previous calendar month.
For example, If you meet all requirements in March, you'll receive the additional variable rate in April.
You can check your own eligibility status for the current and next month in the ING app. Please note that eligibility on the 1st of each month will show after approximately 6:00am AEST.
To check your eligibility for the additional variable rate: Select the account you have nominated to receive the bonus interest rate, and click on the interest icon.
You can change the Savings Maximiser account nominated to receive the bonus interest rate by logging in to online banking on the ING website.
You'll receive the standard variable rate for a month if you didn't meet one or more requirements in the previous calendar month.
For example, if you didn't meet the requirements in March, you'll receive the standard variable rate in April.
The standard variable rate applies for the month of April if you didn't do one or more of these things within March:
This just means that the balance must be higher at the end of the month than it was at the end of the previous month, excluding interest earned for the current month.
Even when eligible, the additional variable rate applies on one Savings Maximiser only on balances up to $100,000, so you'll receive the standard variable rate on any amounts above this.
To check your eligibility for the additional variable rate, select the account you have nominated to receive the bonus interest rate, and click on the interest icon.
Letting us know about your international travel helps us monitor your card for suspicious activity and may help prevent unnecessary blocks on overseas transactions.
You can do this in the ING app by following these steps:
Note: The travel alert is active for a maximum of 30 days from the day you submit it (not the departure date). If you are travelling for an extended period, it's a good idea to set this up just before you leave. If you are still overseas after 30 days, you will need to submit a new travel alert 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:
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'. This includes and is not limited to family members (immediate members, relative, de-facto), associated parties (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.
You can find out more about KYC, acceptable identification documents and certification requirements here.
If you're based overseas, your documents must be certified by a person in a foreign country who is authorised by law in that jurisdiction to administer oaths or affirmations or to authenticate documents such as a Justice of the Peace, an Australian Consulate Official, a Notary, Etc.
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:
If the document is in a foreign language it must also be translated to English by an Embassy or NAATI certified translator and both documents need to be certified.
An acceptable certifier within Australia is anyone outlined below:
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 of the Statutory Declarations Regulations 2023:
You are unable to move funds internationally directly from your ING accounts. If you wish to transfer money internationally, you will need to use a third-party service.
1. International SWIFT transfer into your ING account
To receive funds into your ING Orange Everyday, Savings Maximiser, Business Optimiser, Home Loan or Personal Loan accounts, provide the following details to the depositing institution. Funds must be paid in Australian dollars or the transaction will be rejected.
Please note:
To receive funds into your Orange Everyday account, provide your 16-digit debit card number to the depositing institution (the merchant making the payment). Funds must be paid in Australian dollars or the transaction will be rejected.
Visa applies the wholesale exchange rate to any foreign currency transactions. Please contact Visa directly for more information on exchanges rates.
You can update your personal residential address, mailing address and email address.
You can update your personal residential address, mailing address and email address.
To update your mobile phone number, please call us.
For Savings Maximiser, Savings Accelerator or Personal Term Deposit accounts:
Visit our Contact us page for the best ways and times to connect: https://www.ing.com.au/contact-us-landing.html.
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.
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.
For daily withdrawal limits, please view the Everyday Banking Fees and limits schedule here: 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:
Cheque:
Via the ING App:
To activate your Visa debit or credit card in the ING app:
To activate your account and start transacting, simply transfer funds to your new account by electronic transfer or cheque.
Electronic transfer:
Cheque:
Refer a Friend is a promotion we run from time to time where we give customers the chance to be rewarded with a cash bonus for referring a new Orange Everyday customer. If you are eligible to refer your friends, you will receive an email regarding the necessary steps. Terms and conditions do apply in order to receive the cash bonus, so please read through the email carefully.
Once all the eligibility requirements are met, the bonus will be paid the month following. Therefore if you meet all requirements in April the bonus would be paid by the end of May.
The invitation should provide clear instructions to follow.
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
Customers who are eligible will be contacted via email to receive a promotional Refer a Friend code. The email will also detail the steps required in order to receive a bonus for yourself and your friends. We are unable to resend you the Refer a Friend promotional email.
Due to privacy, we are not able to confirm whether your friend has met eligibility requirements.
If the code isn't entered during the application we won't be able to match it with your application. While you wouldn't receive the bonus, you may be targeted with your own promotional code so you can refer friends and family. We also run different promotions from time to time so you may be eligible for another promotion in the future.
ING run different promotions from time to time and we will always send an email to let you know about what is currently on offer. Please ensure your email address is kept up to date in order to receive these offers.
You can close your eligible Orange Everyday, Savings Maximiser, Savings Accelerator and Orange One accounts via online banking.
Closing a joint account depends on how it's set up — generally one account holder can close it on their own, but in some cases, both account holders need to agree to close it together.
If the account you are closing is being used as a linked account, please update the linked account prior to closing.
In order to close your Orange One or Orange Everyday online, you'll need to ensure that there are no pending transactions. Any outstanding balance on your Orange One must be paid and any positive balance within your Orange Everyday account must be transferred to another account.
You cannot deposit additional funds into a Personal Term Deposit during the term. However, you are able to add additional funds if you decide to roll over your Personal 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:
Your unique Client Number is a simple way of identifying yourself with ING. You can find it:
If you do not have access to any of the methods above you can request your Client Number here:
An Account Number is the number allocated to each account you hold with us.
You can view your account number by selecting the relevant account > Select 'Manage'.
ING uses different methods to verify identity. We may use a third party provider to verify your identity. Verification of your identity is required to meet ING obligations under the AML/CTF legislation.
You may access or 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 reaches the end of its term, you can select one of the following maturity options. Your chosen option is set when you apply and can be updated online up until 1 business day before maturity.
On the maturity date, your selected instructions will be processed.
If you choose to renew the principal only, or close the term deposit, funds will be transferred to your linked bank account. Transfers to ING accounts are processed immediately. For non ING accounts, standard clearance times apply.
All Personal Term Deposits that roll over include a 7 calendar day grace period, starting from the maturity date.
During the grace period, you can contact us to:
To activate your Visa debit or credit card in the ING app:
Effective from March 2026, you will no longer be able to order bank cheques from your Orange Everyday account.
ING does not offer Travel Cards or Travellers Cheques. When travelling overseas you can use your Orange Everyday or Orange One card just as you do at home. There's no requirement for a special or dedicated card when travelling.
ING doesn't charge international transaction fees or international ING ATM fees on Orange Everyday or Orange One accounts (3rd party operator fees may apply). The Orange One cash advance fee will still apply for cash withdrawals (and other cash-like transactions).
Tell us before you leave
For security reasons, it's a good idea to tell us when you intend to travel internationally via the ING app to reduce the likelihood of your card being blocked while you're away. Here's how: Simply advise us of your travel plans using our ING app:
To change your name used on your account, you need to print out and complete the Change of Personal Details form. The Change of Personal Details form is located here: https://www.ing.com.au/help-and-support/documents-and-forms/general.html
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.
You can lodge your Tax File Number (TFN) online by completing the steps below:
Note: The Tax File Number status must be No TFN for the Update Tax File Number option to appear.
You need to be 18 years or older to open an ING account. ING doesn't offer accounts for children under 18.
To find out more about Orange Everyday fees, take a look at the Fees and Limits Schedule here: https://www.ing.com.au/rates-and-fees/orange-everyday-fees.html.
You can add and remove details from your address book via the ING app.
To add a payee to your address book:
To delete a payee from your address book:
To delete payees in your address book, simply login and select 'Pay' - 'Pay Anyone'.
You will be able to remove a payee by clicking on the three dots next to their name and selecting 'Delete'.
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. IBANs do not apply to Australian bank accounts.
You can replace a lost or stolen Orange Everyday Debit Card using the ING app by:
Replacement Orange Everyday cards will take 5-10 business days to arrive.
In some cases, your new card details will automatically be registered in your Apple or Google Wallet if you had this set up with your old card.
Your new card details may also be automatically available to some Merchants who hold your card details on file. This means that existing regular payment arrangements can continue with your new card details.
However, these automatic updates won't happen where:
In these cases, you'll need to manually update your digital wallet with your new card details and ensure that any merchants you have regular payment arrangements with to have your new card details.
Important Note: If you suspect fraud, call our Customer Care Specialists team on 1800 052 743. The team will arrange a replacement card for you and assist you with reviewing any unfamiliar transactions and raising a transaction dispute if needed.
If you are not able to call us immediately, we suggest placing a hold on your card in the ING app to stop any further transactions from being requested. Here's how:
To replace a lost or stolen Orange One Credit card, please call our Customer Care Specialist team and they will arrange a replacement for you.
Please visit our Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
Replacement Orange One cards can take 5-10 business days to arrive and replacement NIVA cards can take 7-10 business days to arrive.
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 default Pay Anyone limit we set for our customers is $5,000, and you can increase this limit up to $20,000. If you need a one-off transfer of a larger amount above $20,000 (up to the balance of your Orange Everyday account) you can set a temporary limit via the ING App. If you'd prefer a lower limit, you can reduce this as needed. You can change your daily limit by following the steps below in the ING app:
For temporary Pay Anyone limit increase, ensure that funds are available in your Orange Everyday account before attempting the limit increase. A temporary limit is reset at 12AM AEST/AEDT to your previous standard limit. To assist with the security of your account, temporary Pay Anyone limits cannot be made permanent.
Real time payment limit refers to the maximum amount you can transfer in real time from your Orange Everyday each day. The maximum daily limit for real time payments is $5,000 per day. 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, which will be processed in 1-2 business days.
No. A Savings Maximiser must not be opened or operated for business, trade, superannuation or trustee purposes.
The cut off time for making a deposit or withdrawal from your accounts is:
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 online banking on the ING website, and selecting the relevant transaction in your transaction history. If the reversal is available, you'll see the option displayed.
If the option to reverse the transfer isn't there or if the payment was processed by OSKO, ask for a representative to assist you by typing "chat to an agent".
You should generally receive your new Visa card 5 - 10 business days after your account is opened or a new or replacement card is ordered.
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.
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:
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.
You can do this in online banking on the ING website, under "Manage accounts" in the main menu and selecting "Linked bank account".
This is available To set up a recurring transfer, you simply:
Log in to your new ING app, click on the suspicious transaction in the transactions list and select 'Dispute transaction ', then follow the prompts.
For joint accounts, only the card holder can raise a dispute through their online banking.
If you are not able to raise your dispute via online banking, we suggest placing a temporary hold on your card using our app - simply:
This will prevent any further transactions from your card.
For Orange One Visa credit cards and Smart Home Loan Visa credit cards (NIVA), please call us immediately.
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.
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.
Interest earned on your Savings Maximiser or Savings Accelerator account is credited to the account monthly.
If your Personal Term Deposit is closed during the term, interest will be calculated on the number of full days the account was open. The interest rate applied to your Personal Term Deposit will be the interest rate on the day you opened your account, less an interest rate reduction based on the percentage of the term elapsed at the early termination date, as set out below.
Our Personal Term Deposits could help you reach your savings goal:
You can reverse transactions that haven't been processed yet by logging into your ING account and selecting the relevant transaction in your transaction history. If the reversal is available, you'll see the option displayed. Important to note is that transfers between ING accounts cannot be reversed.
If the option to reverse the transfer isn't there or if the payment was processed by OSKO, ask for a representative to assist you by typing "chat to an agent".
The Orange Everyday is a transaction account that can be used for day-to-day spending, and can be used to deposit your salary. All Orange Everyday customers automatically get access to:
If you're having difficulty accessing our app, you can try uninstalling and reinstalling it. This should resolve the issue.
We can assist and block future direct debit requests. We will attempt to block the direct debit by blocking the merchant's User ID, however, if a different User ID is used the payment may still be successfully processed.
Blocking future requests doesn't cancel any agreements you have with the merchant. It may be beneficial to contact the merchant directly to inform them that the direct debit has been blocked.
Please note that you need to contact us the day before the direct debit falls due for us to successfully block it.
To block future direct debits, ask for a representative to assist you by typing "chat to an agent".
Our BSB is 923-100.
Orange Everyday customers can use their Debit Card to withdraw cash via:
Adding your ING card to Apple Pay is not yet available in the new ING app, we will be adding this feature soon. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/.
No. Everyday round up only applies to card purchases and is not available for ATM withdrawals.
The cash withdrawal limit from an ATM using your Visa debit card is $2,200 per Orange Everyday account, per day and includes cash out at:
The amount you can withdraw as a cash advance using your Orange One Visa credit card is 10% of your credit limit up to a maximum of $500.
You can turn push notification on or off in the ING app.
An account becomes dormant when it has not been transacted on for a defined period of time. This generally means that you won't be able to make further transactions until we confirm your personal details.
A Savings Maximiser or Savings Accelerator account becomes dormant when you haven't made a withdrawal from or deposit to the account for 24 months or more.
An Orange Everyday account becomes dormant when you haven't made a withdrawal from or deposit to the account for 6 months or more.
In most cases, you can reactivate your account simply by logging into Online Banking using your client number and access code. Your client number can be found in the mobile application by selecting 'More' and then 'Your profile'. You can also find your client number on the back of your Orange Everyday card (if you have one), or on a statement. When you log in online, you'll be asked to check your details on file, and also update any details that have changed or are missing. If you would like to speak to a Customer Care Specialist and you are overseas, you can call +61 2 9028 4077 (call costs apply). You can find international contact options, including free call numbers for selected countries on our Contact us page: https://www.ing.com.au/contact-us-landing.html.
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 when we receive it and deposit it into your account.
Cheques deposited to your Orange Everyday at Australia Post will take 8 business days to clear.
You can use BPAY with Orange Everyday accounts and Orange One accounts.
It's not available to Orange One additional card holders, or with any other ING accounts.
Simply:
Savings Maximiser, Savings Accelerator, and Term Deposit accounts don't come with cards. But they do give you easy access to your money. Once you've linked your ING account to an eligible ING account (i.e. Orange Everyday, Home Loan, etc) or an external bank account, you can move your money via online whenever you like.
You can check, edit or cancel a Scheduled Payment in the ING app.
Please allow 1 calendar day for the change to take effect. You are unable to make changes the same day your scheduled payment is due.
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.
You can organise to have a direct deposit credited into your Orange Everyday, Savings Maximiser or Savings Accelerator. You will need to supply the depositing party with our BSB (923-100) and the account number you want to have credited with these funds.
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.
To close your Term Deposit before its maturity date, you'll need to give us at least 31 days' advance notice (except in the case of financial support). If you'd like to close your term deposit early, please visit the Contact us page for the operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
The funds will then be transferred back to your linked account. Please note that an interest rate reduction will apply if your Term Deposit is closed prior to the maturity date.
Refer to What interest rate do I get if I redeem my Personal Term Deposit early? and What is the 7 calendar day 'grace period'?
To apply for an ING personal account, you will need to provide:
An interim statement reflects account activity for the current reporting period (which has not been sent). It covers transactions from the day following the previous statement up to and including yesterday.
To print an interim statement:
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.
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) / 365.
If you don't have a mobile phone, there are still ways you can transfer money. You can login to Online Banking and go to 'Transfer & pay' However, please note that some transactions will require an ING Security Code for you to be able to process yourself, and this code is sent by SMS to your registered mobile number.
Please visit the Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
There are a few reasons why we may have frozen or placed a stop on your account, this is detailed in your product terms and conditions. Please call us on 133 464 to confirm the status of your account. If you would like to speak to a Customer Care Specialist and you are overseas, please call +61 2 9028 4077 (call costs apply). Alternatively, visit our Contact us page to view our free call numbers available from selected countries: https://www.ing.com.au/contact-us-landing.html.
Provide your external bank with the following details:
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.
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.
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.
Your balance is viewable on the home screen. You can manage how your accounts are displayed by clicking on the menu button in the top left hand corner menu if you are using iOS, or top right menu for Android, and then selecting change name, order and visibility.
Google pay maximum limit per transaction is $1000 USD.
Combined limit on a card per day is $50,000 AUD.
It helps you move money in and out of ING accounts. It's the account:
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 by logging in to online banking on the ING website, or over the phone.
To confirm you are still the owner of the external bank account you wish to change, ING may either debit or credit a small amount of money (a Random Value Transaction) to this account. You will be required to check and confirm the amount.
You can't round up the following transactions:
There are two ways to register for Security Codes:
If you have been asked to register for Security Codes via mail or after logging into online banking, simply:
A Tax File Number (TFN) is a unique number issued to a person by the Australian Taxation Office to assist them in managing tax and other government services.
Should you require any further information on TFN's, please refer to the Australian Taxation Office.
You can lodge your Tax File Number Online by completing the below steps:
You can report a Mistaken Internet Payment or an Unauthorised Transaction on your account by calling. Please visit the Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
If an unauthorised transaction was made using your Visa Card or Visa Card details, you can place that card on hold by logging into the ING app and pressing the manage button.
The Orange Everyday account doesn't pay interest.
Bank@Post™ is an agency banking service offered at over 3,300 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:
Deposit and withdrawal transactions made at Bank@Post require a customer's Visa Debit Card to be presented in order to process the transaction.
ING customers are unable to withdraw cash without a Visa Debit Card.
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.
Also, by keeping the ING app up to date, you'll get access to the latest features we've added to it.
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.
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 Term Deposits with maturity instructions set to rollover, include a 'grace period' of 7 calendar day grace period starting from the maturity date. During the grace period, changes can only be made by contacting us.
You can change the PIN on your card in our app.
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.
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.
Print and complete the Request for Refund of Unclaimed Monies for a Personal Account Form located on our website 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).
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?'
The available balance is the amount available for withdrawal from your account.
Note: Daily transaction limits may apply.
Yes, you can use the ING app while you are overseas. You can register your international mobile number to receive ING SMS Security Codes.
To use Security Codes while overseas (and to enable us to contact you), you may need to enable global roaming on your phone.
You should check with your mobile phone provider if you will incur charges for this. To find out more about Security Codes please go to our Security page.
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:
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:
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.
Absolutely.
Yes, you can use your Orange Everyday card internationally. You must select 'Credit' at the merchant terminal or ATM when travelling overseas.
ING doesn't charge any international transaction fees or international ATM withdrawal fees on the Orange Everyday. Third party operators may charge a fee.
Tell us before you leave!
To reduce the likelihood of your card being blocked while you're away, it's a good idea to tell us when you intend to travel outside Australia. Simply submit an alert of your travel plans by following the below steps on the ING App:
You can make purchases with Orange One anywhere worldwide where Visa is accepted.
ING monitors for suspicious activity to help protect you. If suspicious activity is identified, transactions may be declined. 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 next steps.
You can only enter the Security Code up to three times. 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.
You can register your international mobile number to receive ING SMS Security Codes. Currently this only works for the following countries:
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:
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. Therefore if the expiry date is 12/26 the card will expire at the end of December 2026.
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. Your replacement Visa card will be sent to the mailing address on your profile, so please ensure that your details are up to date. You can update your mailing address via the ING app.
If your card has been sent to a previous address please call us so that we can assist you with a replacement. Please visit the Contact us page for the operating hours and contact numbers.
The money cannot be used or withdrawn until we have cleared the cheque and the money becomes "cleared funds".
Things to Note:
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.
Yes. The interest rates for the Savings Accelerator are variable rates. Therefore, if we increase or decrease the ongoing variable rates, it will apply to your Savings Accelerator from the effective date.
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.
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 banking unless you're registered for them.
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 a Direct Debit may not be not working:
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. 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).
For individuals, any of the following things may indicate foreign tax residence:
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:
When you log into online banking on the ING website, 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.
Payments made via OSKO are generally available instantly in the receiving bank.
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.
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 may take 1 to 2 business days to arrive. If made after the cut-off time or on a non-business day, the funds will typically be transferred the next business day.
The first time payment to another ING account for an amount over $1000 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 and send it to us by the following methods:
If you need to dispute an unauthorised transaction on your Visa card:
For Orange Everyday, please;
For joint Orange Everyday accounts, only the card holder can raise a dispute through their online banking.
For Orange One; please call us immediately.
Please ensure raise any disputes promptly as, depending on the transaction type, we need to process within 45 to 120 days from the transaction date to claim the chargeback.
For Eftpos transactions, we need to process these within 210 days.
Please visit the Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
You should receive the Security Code within a few seconds. Delays may occur if your mobile network is congested.
To add or remove deposit access simply phone our Contact Centre. Please visit the Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
ING does not offer a frequent flyer program.
If your card has been compromised, lost or stolen, we suggest placing a temporary hold on your card using the ING app - simply:
We continually review our interest rates to make sure they remain competitive within the market place.
Our current interest rates are available on our interest rate announcement page: https://www.ing.com.au/rates-and-fees/interest-rate-announcement.html.
You must call us if you wish to cancel a bank cheque. Please visit the Contact us page for the operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
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.
There are no limits on the number of times you can request a Security Code. Please note that you have up to 3 times to enter the correct security code, otherwise your account access will be suspended.
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.
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.
Orange Everyday customers can switch on Everyday Round Up in a few clicks. Here's how:
Online Banking:
You can add or change the nickname on your account easily online or via the mobile app:
Online:
If you add a nickname in the new ING app, it won't appear in online banking or the legacy app. Nicknames added there also won't show in the new app.
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:
The foreign tax residency information is mandatory for the following type of parties:
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.
You can confirm your foreign tax details through your online banking. Here's how:
No. A Savings Accelerator must not be opened or operated for business, trade, superannuation, trustee purposes or on behalf of a deceased estate.
If a transaction has been incorrectly processed twice, please call us.
Please visit the Contact us page for our operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
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.
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. For more guidance, please refer to our security page.
If you don't recognise this transaction, please call us immediately on 133 464, we're available 24/7. If you are overseas, please call +61 2 9028 4077 (call costs apply). Alternatively, visit our Contact us page to view our free call numbers available from selected countries: https://www.ing.com.au/contact-us-landing.html.
If you did attempt to make this transaction, you may be able to remove the hold on your card via the ING Mobile App - simply:
This will stop any further transactions from being requested.
You can find out more about a transaction, including the merchant name, receipt number, and the date the transaction was made by:
You can check which of your Savings Maximiser accounts is nominated to receive the additional variable interest rate (if eligible) in the ING app.
To identify the Savings Maximiser account you have nominated to receive the bonus interest rate, select the account and click on the interest icon.
Orange Everyday customers could get access to:
ING Pocket Perks is a rewards program facilitated through an arrangement with Visa that is available on Orange Everyday and Orange One cards for customers aged 18 years and older.
With ING Pocket Perks, you can access Cashback Offers from select merchants. Only cashback offers will be available.
Pocket Perks operates in the same way on both Orange Everyday and Orange One.
You may receive different ING Pocket Perks offers from the same merchant, and there may be different offers available on each of your ING cards.
Offers may be personalised based on transaction activity and other data from the ING card that they relate to.
ING does not charge a fee for Pocket Perks however, there may be fees associated with any purchase required to qualify for an ING Pocket Perks offer.
You can see your current list of offers including offer details and terms for each of your ING cards in the ING App.
If you've agreed to receiving marketing communication from ING, you will see offers that are most relevant to you based on how you use your ING card.
ING Pocket Perks offers will be added as they become available to you, and will be removed when they are no longer valid, such as when they have expired.
To view your offers:
You can find out which ING Pocket Perks offers you've met the criteria for by checking for a notification in your emails. We send you an email notification each time cashback is approved for a qualifying purchase, and these emails contain details of the qualifying purchase and the cashback amount. Purchases made using payment checkout service providers will not satisfy the requirements for qualifying transaction under an ING Pocket Perks Offer ING does not share any personal data with Visa that they do not already hold, being cardholder activity data. You can also refer to our Privacy Policy for more information about how your data is handled.
You can opt out of receiving personalised ING Pocket Perks offers, or communications about them, by opting out of receiving marketing from ING. To opt out of these offers, you will need to find a recent marketing email from ING and press 'Unsubscribe' at the bottom of the email.
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.
There are a number of benefits to using a PayID, including:
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 on the ING website.
Once you;ve authorised a PayTo payment agreement, you can pause, resume or cancel it, or change the account or Pay ID linked to it. The linked account can only be changed to another active Orange Everyday or to a PAYID linked to an active Orange Everyday.
To review and make changes to your payment agreement at any time:
If you wish to change the linked account associated to a PayTo payment agreement to a non-ING account, you will need to cancel the existing PayTo payment agreement and contact the merchant to set up a new PayTo payment agreement against the non-ING account.
For changes to the payment amount or frequency under a PayTo payment agreement, the merchant will need to make the change. They will then send you a PayTo payment agreement amendment request for your authorisation.
For any other changes to active PayTo agreements, you will need to contact the merchant. They'll send an update request for you to authorise or decline.
If you pause or cancel a PayTo payment agreement, the merchant won't be able to deduct funds from your account under that agreement.
However, cancelling a payment agreement does not change any underlying contract you may have with a merchant. They may charge you a fee or you may be required to make payment in some other way.
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
To get funds deposited into your ING Orange Everyday, Savings Maximiser from an international bank using SWIFT, you'll need to provide the following:
If the bank asks for the 'Clearing code', this is equivalent to the BSB (923-100).
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. IBAN is not applicable to Australian accounts. If a Sender requests you to provide an IBAN, please provide the information noted above in “Arranging a SWIFT” instead.
A Bank Identifier Code (or “BIC” for short, and also known as a “SWIFT CODE”) is an 8 to 11-character code that's used to identify a particular bank when you make an international transaction. ING Australia's BIC is INGBAU2S.
Orange Everyday customers can pop in to any Australia Post Bank@Post outlet with their Visa Debit Card to make deposits up to $3000 (Australia Post may refuse to deposit excessive coins or small denomination notes). Funds are cleared and available on the same business day.
ING does not accept cash deposits into the Savings Maximiser, Savings Accelerator or Personal Term Deposits. Customers can either transfer funds from their linked bank account or send a cheque directly to ING to be deposited.
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 here: https://www.ing.com.au/pdf/Orange_Everyday_Fees_and_Limits_Schedule.pdf.
We understand anyone or any business may experience difficulties meeting financial commitments due to a sudden change to personal or financial circumstances, such as a loss of employment, relationship breakdown or illness or injury.
Our financial support team will try to help you find a suitable solution to manage your repayments while you get back on your feet.
Visit Financial hardship page.
Our team will contact you to discuss your situation and let you know if we need any more information.
If you're currently on a financial support arrangement with ING which started within the last 12 months, or if you've applied in the last 21 days, please call us on 1300 349 166 option 4 to chat through your options.
If you are expecting funds to be deposited into your ING account from another Australian domestic bank - you will need to check with the sending bank for their clearance timeframes.
Processing times for deposits and withdrawals may be extended on weekends and public holidays. If a transfer is made on one of these days (or after cut-off time on the day before), please allow up to two additional business days for Pay Anyone, BPAY, SWIFT and Direct Debit transactions to be fully processed.
If you need to send us a cheque so we can deposit it into your ING account, please find the right postal address below. Remember - If you're posting from within Australia, you don't need a stamp.
Option 1: Go to any Australia Post Bank@Post outlet with your debit card to make the transaction. Note: The customer name on your debit card must match the payee name on the cheque being deposited. Cheques in joint names cannot be deposited via Bank@Post because the Orange Everyday card only shows one of the names. Cheques in joint names can only be deposited via post and can only be deposited into a joint Orange Everyday account in the same names. Bank@Post - require 8 business days before funds are cleared and available in your Orange Everyday account. Please be aware the count begins the day after the cheque was deposited (i.e. if the cheque is deposited on Monday the 16 June, 8 business days count starts from Tuesday the 17 June) To find out more about Australia Post Bank@Post, visit our 'Ways to bank' page.
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. Is this your first deposit?
If you are planning on using a cheque to activate your new Savings account, the cheque must be drawn from your nominated linked bank account and be made payable to ING. Write your new client number and account number on the back of the cheque and post to us using one of the methods above.
Unfortunately, we can't accept deposits into your ING account in foreign currency. All deposits and transfers need to be in Australian dollars.
We will not accept cheques originally made out to anyone else other than you or ING.
Please note we are unable to accept cheques that are future dated, stale (dated more than 15 months ago at time of receipt by ING), not authorised, physically altered (without initialisation by drawer), damaged or if details are missing or incorrect. Any unacceptable cheques will not be posted back to you and will need to be reissued prior to being deposited into your ING accounts.
Some of our accounts require a linked bank account in order to operate. Linked bank accounts:
And depending on how you bank with us, the following applies too:
Savings Maximiser
Savings Accelerator
Personal Term Deposit
Everyday Accounts (Orange Everyday)
To apply for a joint ING Savings Maximiser, Savings Accelerator, Term Deposit or Orange Everyday, simply log in to the new app and select the 'Products' tab. Choose the products you wish to open and follow the prompt. The Primary Account holder will need to:
The minimum balance is dependent on the product that you have and is as follows:
Here's when the statements are issued:
We will send you an email to let you know your final statements are available in online banking (not the ING app) approximately the 3 January/July each year.
Orange One - There are two statement periods for Orange One:
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.
What you need
Notify us as soon as possible by calling us on 1800 550 003. We will send you out a Deceased Estate form which will outline everything that is needed to finalise these accounts.
What documents are needed for a deceased estate?
In all matters, we will require a certified copy of the death certificate issued by Births Deaths and Marriages.
Further documentation is required; however they vary depending on the account types held by the deceased (eg. mortgage, savings account, business account).
To receive further information regarding the documents we require or for special circumstances, please call us on 1800 550 003.
I have a funeral invoice. Can this be paid from the accounts at ING?
Yes, we will pay the funeral home for you when provided with an invoice and letter of direction.
What happens if there is no will?
If there was no will located at time of passing, Letters of Administration may be required to ensure that the changes to the bank accounts are processed appropriately. These are granted by the Supreme Court in the State or Territory where the estate is held.
When will I need Probate or Letters of Administration?
Each Estate's individual circumstances are assessed by us, and in some cases we may require Probate or Letters of Administration to be granted in order to release the funds.
If we require Probate/Letters of Administration, we will advise you in the first letter we send after receiving notice of death
Upon receipt of documentation, we will act on instructions concerning a deceased's account from a person named in a grant of probate or letters of administration within 14 business days of receiving the necessary information.
Prior to probate or letters of administration being granted, if we receive a request from a person authorised by a will or a person who has applied for letters of administration, and on providing a copy of the death certificate, we will, within 14 business days of receiving the necessary information:
What happens to joint bank accounts?
Bank account that are held in both names can either be transferred into the sole surviving account holders name or closed and fund dispersed via cheque or EFT to an authorised account.
I am the executor/ beneficiary. Why can't the Estate funds be paid into my name?
We are not able to assist with the distribution of funds that belong to the estate as there may be tax implications for doing so. We can only pay the funds in the following methods:
The deceased had a credit card, what happens to the amount owing?
We will endeavour to pay any outstanding debt from the account already held with ING as first priority and will be in contact with you if there is any outstanding payment needed.
To receive further information, please call us on 1800 550 003.
You can get copies of past statements or interim statements for more recent transactions in the ING App.
To access statements older than 2 years or for a closed account you will need to sign in to online banking on the ING website.
End of year financial interest details for all accounts (including closed accounts) is available via online banking, provided you still have at least one open and active account. This includes interest details for the past 7 years.
Even if your Orange Everyday account has been closed and you no longer hold any accounts with ING, you may still be able to log into online banking and view you're statements for 7 years from the time your account was closed.
ING - the trading name of ING Bank (Australia) Limited - is part of the world's leading direct bank, and is wholly owned by ING Group.
Got something you need to post to us? Here are the postal addresses for our different departments.
Remember, if you're posting from within Australia, you don't need a stamp.
Savings Maximiser, Orange Everyday, Personal Term Deposits and Savings Accelerator:
Although you can't add or remove an account holder on a Savings or Orange Everyday account once it is opened, you can open a new single or joint account.
You can start the application online by logging in to the new ING app, select the Products tab, choosing an account and following the prompts.
Orange One credit card customers have the option to add up to 3 additional card holders. You can invite an additional card holder by logging in to online banking on the ING website to access the invitation screen, then;
There is a fee of $10p.a. for each additional Orange One card holder.
To remove an additional cardholder on an Orange One account, you will need to call us. Visit our Contact us page for the best ways and times to connect: https://www.ing.com.au/contact-us-landing.html.
As part of a global bank, we are required to satisfy the stricter of our Australian and our global ING Group's international obligations. This means that there may be certain circumstances where our requirements differ from those of other financial institutions in Australia. This is why ING might have more stringent requirements in relation to the collection of information about your foreign tax residency status.
If ING Bank (Australia) Limited is not able to identify and update a customer's Foreign indicia by taking reasonable steps to contact the customer ING Australia may be required to place a STOP on the account and in some casesCLOSE the affected accounts.
ING Pocket Perks cashbacks are typically paid within 7 days of the qualifying purchase being fully processed. However, depending on the merchant and the terms of the offer, there may be instances in which it could take up to 100 days.
An ING Pocket Perks cashback payment will appear as a transaction on your Orange Everyday or Orange One account statement that is listed as “Cashback" alongsidea merchant's name.
Unfortunately, we cannot pay an ING Pocket Perks cashback if:
If you have limited English and require assistance, please call TIS National on 131 450 or +613 9268 8332 (outside Australia) who will provide you with an interpreter in your language and connect you with ING on 131 464. ING will cover the cost of the translation service.
This service is provided by the Department of Home Affairs and is available in over 150 languages.
Please refer to Contact Us for a comprehensive list of all available options for contacting ING from outside of Australia.
Visa Secure is a service that provides added protection when you shop online at participating Visa Secure merchants using your debit or credit card. When you are making a purchase online, your debit card will be recognised by the participating merchant.
Certain transactions may require a Security Code to be sent to your mobile phone to verify you. You will need to enter this Code correctly before your transaction can be completed. To receive these Security Codes while you're overseas, you may need to enable global roaming on your phone. You should check with your mobile service provider if you will incur charges for this.
Only when you apply for an Orange One, we'll ask you for a preferred limit or assign the maximum based on your personal circumstances.
ING does not currently offer credit limit increases.
When ING assesses your Orange One application, the following details (but not limited to) are assessed like:
The Interest free period refers to the period of time when no interest is charged on new purchases. For Orange One, this period is up to 45 days. The interest free period starts on the first day of your statement period and finishes on your payment due date. This means that not every purchase receives 45 days interest free.
The interest free period is only available when the last statement closing balance has been paid in full by the payment due date.
Cash advances are not included in the interest free period.
We can reissue your card when it has been damaged in any of the following ways:
To update Orange One Visa Credit Card or Smart Home Loan Visa Credit Cards (NIVA) you will need to call us.
If you are replacing a damaged card you can continue using your existing card number, including in your Apple Pay or Google Pay, until you have received and activated your new card.
Card skimming occurs when the magnetic stripe on the reverse side of a credit or debit card is passed through a device like an ATM, EFTPOS terminal or another type of reader which has been modified to copy the data contained on the magnetic stripe. In order to capture the PIN number, fraudsters may make use of small cameras or other recording devices.
Usually, these actions by a fraudster result in a counterfeit card being produced and used without the legitimate cardholder knowledge.
Customers should be aware and take the following precautions:
Your Orange One transaction limit is any value up to your credit limit.
You can view the full information in the Orange One Fees and limits schedule: https://www.ing.com.au/pdf/orangeone/fees_and_limits_schedule.pdf.
If you're part-way through your application, you can cancel it at any time by signing in to online banking on the ING website and locating your incomplete application and selecting “Cancel Application” at the bottom of the application form.
If you've already submitted your application and would like to cancel it, please visit the Contact us page for the operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
Complimentary Credit Card travel insurance is available for all eligible Orange One customers who are approved for a credit limit of $6,000 or higher. For more information about eligibility and Complimentary Credit Card insurance cover, please check the Orange One Complimentary Credit Card Travel Insurance terms and conditions.
If you want to reduce your credit limit for your Orange One account, log in to your online banking on the ING website and go to Manage cards > Decrease credit card limit and follow the prompts to decrease the limit.
You can decrease your Orange One credit limit at any time.
You will not be able to increase your credit limit after.
If you are unable to decrease your credit limit online, you can also contact us. Visit our Contact us page for the best ways and times to connect: https://www.ing.com.au/contact-us-landing.html.
Yes, our Orange One credit cards are available to existing and new customers that meet ING's eligibility criteria.
Orange One Low Rate Platinum comes with all the same great features as Orange One Low Rate Classic, but it also gives you access to Complimentary Credit Card international travel insurance.
You'll need to meet the eligibility criteria and be approved for a credit limit of $6,000 or more.
You should have the following items available to apply for Orange One:
If applying for an Orange One, you can apply for a limit between $1000 - $30,000.
If you'd like to apply for an Orange One Rewards Platinum account, limits are between $6000 - $30,000.
Click to be taken to our product comparison page. Here you can see the features of each account to decide which one meets your needs.
Just remember that all applications do need to be reviewed and meet our credit assessment criteria.
The standard application form can take up to 20 minutes to complete.
Some existing ING customers are eligible for an 'Express' application form experience - this can take around 5 minutes to complete, as long as the information we hold about you is up to date and still accurate.
After an application form is submitted, there may be documents or additional information requested to finalise your application (such as proof of income). If no further documents are required, you could have a response in just 60 seconds.
To check the progress of your application, simply log in to online banking on the ING website. Once there you'll see the Orange One application on the main page, your accounts dashboard.
If you click on the application, you'll then be able to see if any action is required from you. If no action is required, our assessors will be working on your application and will be in touch with next steps.
Orange Everyday and Orange One: You should generally receive your card 5 - 10 business days after your account is opened.
Smart Home Loan: You should generally receive your credit card about 7 - 10 business days after settlement.
Orange One repayments are due on set days of the month depending on when your statement cycle runs. This payment due date cannot be changed. However if you've received your statement and you want to pay the amount due early, you can certainly do this through online banking or our mobile app.
Instalment plan repayments are automatically debited from your Autopay account each month and do not require manual payment.
A manual repayment to an instalment plan (including Financial Support instalment plans), is treated as an additional repayment only, and will not prevent the next instalment plan repayment being deducted from your Autopay account on its due date.
Instead, it will reduce your overall balance owing and instalment plan term.
If you have any regular payments set up using your old card number, simply contact the relevant organisations and provide them with your ING card number. Generally you can do this over the phone or online with the organisation.
We'll check your Autopay account for the amount due each day for 14 calendar days from the due date. After which, if payment is not successful you may find a hold on your card.
If you're having trouble making your repayments, please call us as soon as possible to discuss your options. Please visit the Contact us page for the operating hours and contact numbers: https://www.ing.com.au/contact-us-landing.html.
No, we do not have physical branches for you to collect your card. The card will be mailed to your nominated address. Once the card is ordered, you will receive the card between 5 to 10 business days.
Ah, you must love animals too! Our lion's name is Roary. Another fun fact is that ING's orange lion goes back to our Dutch roots. Orange is the national colour and the lion is the national symbol of the Netherlands.
ING stands for Internationale Nederlanden Groep which translates to International Netherlands Group in English.
ING is both a global and local bank. In fact, we've held an Australian banking licence since 1994 and are regulated by the Australian Prudential Regulation Authority, like all Aussie banks.
We also have the backing of a global banking network, with over 60,000 employees and services in over 100 countries.
To open a single or joint Orange Everyday, Savings Maximiser, Savings Accelerator or Personal Term Deposit account.
During the application process, you can nominate the account to be open in single or joint names. If you're opening a joint account, you will be required to provide the ING client number or email address for the joint account holder.
If you are opening a joint Savings Maximiser, joint Savings Accelerator or joint Personal Term Deposit it must be linked to an existing joint bank account, held in the same names that appear in your application. As a part of an Orange Everyday application, you will be required to enter a PIN for your new Visa Debit Card. Your card will be sent to your mailing address within 5-10 business days.
You can de-register your PayID by:
Note that you will not be able to de-register a PayID online if it has an active/paused/action required PayTo payment agreements associated to the PayID. You will first need to cancel these first or amend it to another account or PayID.
You can create a PayID using your mobile number in the new ING app by:
To create a PayID using your email address you will need to log in to your online banking on the ING website.
To create a PayID online:
Soon we'll begin removing access to the legacy ING app to customers in stages. If you've already moved to the new app, you can now delete the old one. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/
Don't worry, we're rolling out the new ING Mobile app in stages, and we'll let them know when the new ING Mobile app is ready for them. The existing ING Mobile app will continue to work for them as usual until further notice.
You can provide feedback on the new app by clicking on ‘More' and scrolling down until you see the faces. You can also provide additional comments and suggestions in this section.
Right now, the new app supports Orange Everyday, Savings Maximiser and Savings Accelerator accounts only. Credit cards are not available in the new app yet. We will be adding this feature soon. You'll need to use online banking to manage your credit cards. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/
Multiple profiles are not supported in the new ING app. The App can be installed on multiple devices but is limited to one user profile per device. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/
Balance quick view is not available in the new ING app. You can view your account balance on the main screen, after signing in. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/
This feature is not available in the new ING app. To view your My Messages, please log in to online banking on the ING website. Alternatively, you can ask me a question or speak to a customer care agent via chat.
Viewing a running account balance is not supported in the new ING app. To view your running account balance please log in to online banking on the ING website. You can also view your running account balance by downloading an interim statement.
Adding your ING card to Google Pay is not yet available in the new ING app, we will be adding this feature soon. For more information about the new app and its features, visit the ING Help Hub at https://helphub.ing.com.au/new-app/
Offers are not yet available in the new ING app, however we are working on getting them added soon.
If the transaction is still pending, the dispute option won't appear yet. You'll need to wait until the transaction has settled before you can dispute it.
You can share a payment confirmation (receipt) straight after making a transfer, from the confirmation screen, by selecting the share icon in the top right corner of the screen.
Once you've left the confirmation screen, payment receipts can't be shared in the app.
If you need to send a payment receipt after the payment has been completed, you'll need to do this via online banking on the ING website.
The new app currently supports Orange Everyday, Savings Maximiser, and Savings Accelerator accounts only. You may not see your account in the new app if:
To copy or share your BSB and account number, select the account in the app and press and hold the account details at the top of the screen. From there, you can copy or share your account details.
Light and dark mode follow your device's appearance settings.
You can switch modes in your device's Display settings, and the app will apply your chosen theme automatically.
You can set up and manage Face Recognition in the ING app by selecting: More > Settings > Face recognition
The ING Interest rates are as follows:
View the current Savings Maximiser rates here: https://www.ing.com.au/savings/savings-maximiser.html.
View the current Savings Accelerator rates here: https://www.ing.com.au/savings/savings-accelerator.html.
View the current Personal Term Deposit rates here: https://www.ing.com.au/savings/term-deposit.html.
View the current Credit Card rates here: https://www.ing.com.au/credit-cards.html.
To locate Brochures and Forms please select from the following;
Find Savings brochures and forms here: https://www.ing.com.au/help-and-support/documents-and-forms/bank-and-save.html.
Find Everyday Banking brochures and forms here: https://www.ing.com.au/help-and-support/documents-and-forms/bank-and-save.html.
Credit Cards brochures and forms here: https://www.ing.com.au/help-and-support/documents-and-forms/credit-cards.html.
Typically, a card authorisation can last up to 7 business days and longer in some cases.
The pending amount will first show on your transaction history as being on hold. The hold is removed once transaction confirmation is received from Visa.
For a full list of ING products please visit our website: https://www.ing.com.au/.
No, the 5-digit mobile PIN is different from the access code. The new ING app requires you to set up a 5-digit PIN during registration, which is specific to each device. The access code is still required to log in to Online Banking and serves as an additional security feature of the new app if you forget your mobile PIN.
To update your mobile PIN for the new ING App:
If you have forgotten your 5-digit mobile PIN, you will need to uninstall and reinstall your mobile app and then complete the enrolment journey again to set up a new 5-digit mobile PIN.
A BPay Biller may not have accepted your payment if:
To learn more about the new app and its features, visit the ING Help Hub here: https://helphub.ing.com.au/new-app/.
You can log out of the new ING app by tapping the icon in the top right corner of the Home screen.
You can view your card details in the ING app by following these steps:
For your security, your card details include a dynamic CVV, which automatically refreshes every 6 hours.
You can view how much interest you've earned this financial year in the ING app.
Interest received in the financial year may have tax implications and we recommend you seek independent tax advice.
For previous years interest you can visit Online Banking on the ING website. Click on Statements and select Interest Overview. You will be able to download interest summaries dating back 7 financial years.
For more information about changes to Savings Accelerator, including how interest is calculated, please visit this link: https://campaigns.ing.com.au/noc-sa-re-tiering.
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.
Your client number, access code and mobile pin helps protect your ING accounts. If it's ever shared with anyone else — even a service or company you trust — it's important to change it straight away.
You should reset your access code or mobile PIN if:
To help keep your access code and mobile PIN secure:
ING will never ask you to share your access code or mobile PIN when you are not using the ING website or mobile app. If another service requests these details — even if it seems legitimate — you should reset them immediately.
If you do not wish to receive further email promotions from ING, click unsubscribe under "Important Information" at the bottom of the email you received and follow the instructions.
Visa contactless is a contactless method of payment available with most Visa cards for purchases up to and including $200. Contactless transactions of $200 and under may not require a PIN, depending on the merchant.
The cards featuring a distinctive contactless mark or Visa contactless symbol have a tiny antenna embedded into the card, which securely transmits payment instructions to and from a contactless card terminal. That means you can quickly and securely pay for smaller everyday items without having to enter your PIN or sign.
You can hide or show your accounts in the ING mobile app at any time.
Important things to know
Interest is calculated daily, on the portion of your account balance in each balance tier, using the applicable rate for that balance tier. Depending on your account balance, this may mean more than one interest rate is applied to your account balance each day.
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.