Important Information

Savings Maximiser

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

Rebate Offers for Orange Everyday Customers

The Global ATM Rebate Offer and the International Transaction Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super, Personal Loans and Orange One), and
- also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

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

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

If eligible, up until 30 November 2021:
- for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Australia – ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and
- for ING international transaction fees – ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

Orange Everyday banking benefits are changing from 1 December 2021. This means that from this date, each month that you’re eligible for Orange Everyday Benefits, you'll receive the following banking benefits on each of your Orange Everyday accounts for transactions carried out on those accounts in that month:
- Rebates on the ATM fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account;
- Unlimited rebates on the ING International Transaction Fee; and
- 1% cashback on eligible utility bill payments (up to $100 per financial year).

Terms and conditions apply to these benefits. For details of the updates that are effective 1 December 2021, please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated 1 December 2021.

If eligible, the offer applies to all accounts held in your name (either single or joint account).

This offer may be changed or withdrawn at any time at ING's sole discretion.

Rebate Offers for Orange Everyday Customers

The Global ATM Rebate Offer and the International Transaction Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super, Personal Loans and Orange One), and
- also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

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

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

If eligible, up until 30 November 2021:
- for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Australia – ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and
- for ING international transaction fees – ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

Orange Everyday banking benefits are changing from 1 December 2021. This means that from this date, each month that you’re eligible for Orange Everyday Benefits, you'll receive the following banking benefits on each of your Orange Everyday accounts for transactions carried out on those accounts in that month:
- Rebates on the ATM fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account;
- Unlimited rebates on the ING International Transaction Fee; and
- 1% cashback on eligible utility bill payments (up to $100 per financial year).

Terms and conditions apply to these benefits. For details of the updates that are effective 1 December 2021, please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated 1 December 2021.

If eligible, the offer applies to all accounts held in your name (either single or joint account).

This offer may be changed or withdrawn at any time at ING's sole discretion.