Getting to know ING joint bank accounts

    Everyday Banking

    Published Mon 26 Oct 2026 • 2 min read

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    What is a joint account?

    A joint account is a bank account with two account owners. You can apply for joint Savings Maximiser, Savings Booster, Savings Accelerator, Personal Term Deposit and Orange Everyday accounts with us.

    Joint bank account features

    Money-talk inevitably pops up in long-term relationships. It can be anything from who’s paying for tonight’s takeaway through to saving for that dream home. That’s where opening a joint bank account could come in handy. Joint savings accounts can be used by couples to pool some or all of their finances into one location to help manage household spending or saving.

    Joint bank accounts give their owners better visibility over household finances and could help you both reach your savings goals together. There’s also a time saving if your household finds itself often transferring money between separate accounts.

    How to open an ING joint bank account

    To apply online for a joint ING Savings Booster, Savings Accelerator, Savings Maximiser, Term Deposit or Orange Everyday, simply click on “open now” on either the Savings Booster, Savings Maximiser, Savings Accelerator, Term Deposit, Orange Everyday page.

    When you start an application for a joint account, will need to:

    • Select 'Joint' for application type
    • Complete their part of the application
    • Enter the name and email address of the secondary account holder. We'll email the secondary account with an invitation to respond.

    Your joint applicant will receive an email and will need to:

    • Go to ing.com.au/jointcode
    • Enter the joint account code they received in the email into the pop up box 'Invited to a joint account?'
    • Click 'Submit'
    • Then follow the steps to complete the application

    Note: The secondary account holder has six weeks to complete their part of the application.

    Savings Booster

    For a joint Savings Booster, you must first have an eligible joint Orange Everyday in the same names. If you don't already have a joint Orange Everyday, you need to open one first in order to open a joint Savings Booster.

    Savings Maximiser, Savings Accelerator or Personal Term Deposit

    A joint Savings Maximiser, Savings Accelerator or Personal Term Deposit must be linked to an existing joint bank account, held in the same names as the application. If you wish to open an Orange Everyday account to link your savings account, complete the Orange Everyday application first in the same names.

    Savings Maximiser is not available for new applications from 1 December 2026.  If you have a Savings Maximiser account, you can continue to use it as you do today. Learn more.

    Already an ING Customer? You can download our app or if you'd prefer to do it online, simply log into the ING website using your client number and access code. To begin your application, go to 'Products', choose an account and follow the prompts.

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    Related questions

    Things you might be wondering

    • Every couple manages money differently. Finding the best bank account for joint account usage comes down to flexibility. You want a setup that offers both everyday transaction capabilities and savings options.

      At ING, you can open a joint Orange Everyday account for daily spending and bills, and link it to a shared Savings Maximiser to help your leftover money grow. If you have a lump sum to set aside, you can also open a shared Personal Term Deposit.

    • If you are looking for a joint bank account that is easy to set up, the ING application process is largely digital and can be completed from home. Here is how it works for new ING customers.

      The process is split into two parts. One person acts as the primary applicant and the other is the secondary applicant.

      The primary applicant visits the ING website and selects the product they want to open. When the application asks for the account type, select 'Joint'. Fill out your personal details, and at the end of your section you will be asked for the full name and email address of your partner.

      This triggers an automatic email to the secondary applicant. They receive a unique code in their inbox and visit the specific URL provided, enter the code under the 'Invited to a joint account?' prompt, then complete their own personal details to finish the application. The secondary applicant has six weeks to respond before the invitation expires.

      In most cases the identity verification process is completed digitally. Some customers may be asked to verify their identity via Australia Post.

    • If you already bank with ING, the process is even faster. You can open a joint Orange Everyday, or Personal Term Deposit directly from online banking. Just log into online banking using your client number and access code. Click 'Apply for products', choose an account, and follow the steps.

      One important note on savings accounts: if you want to open a joint Savings Accelerator, or Personal Term Deposit, it must be linked to a joint transaction account held in exactly the same two names. If you do not have one yet, you will need to open a joint Orange Everyday account first.