Information and interest rates are current as at the date of publication and are subject to change.
Orange Everyday
Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:
•deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
•also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.
Each month that you’re eligible for the Orange Everyday Benefits, you'll receive the following on your Orange Everyday accounts:
•1% cashback on eligible utility bill payments (up to $100 per financial year).
•Unlimited rebates on the ING International Transaction Fee; and
•Rebates on ATM fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).
An eligible utility bill payment is a payment made by BPAY, direct debit (BSB and account number), or PayTo (when available) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.
For full terms and conditions, see the Orange Everyday Terms and Conditions, the , Orange Everyday Benefits Schedule and the agreed utility supplier list at ing.com.au.
Orange Everyday Benefits may be changed or withdrawn at any time at ING's sole discretion.
Savings Maximiser
Information and interest rates are current as at the date of publication and are subject to change.
The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:
•deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One),
•also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions), and
•ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.
Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or the ING mobile app. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.
Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate or the additional variable rate offer at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.
Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to a Savings Maximiser or Orange Everyday, you should read the Savings Maximiser Terms and Conditions booklet and the Orange Everyday Terms and Conditions booklet and . To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
Personal Term Deposits
Personal Term Deposits require a minimum opening deposit of $10,000. The interest rates that apply to Personal Term Deposits are the interest rates that are current on the date the term deposit is opened.
Savings Accelerator
Information and interest rates are current as at the date of publication and are subject to change.
Kick starter offer - available on accounts opened from 18 March 2024
The variable kick starter rate is an introductory variable bonus rate of 0.50% p.a., which applies on top of the ongoing variable rate on balances of up to $500,000 for 4 months from the date of account opening (that is, the date an account number is issued).
The variable kick starter rate is not available on a Savings Accelerator if any account holder has ever held a personal savings account with ING.
For balances over $500,000 during the first 4 months, or any balance after the first 4 months, only the ongoing variable rate will apply.
The combined total deposits in all your Savings Accelerator account(s) shouldn't exceed $5 million, whether account(s) are in individual or joint name(s).
ING can change or withdraw the variable kick starter rate offer at any time with notice. The variable kick starter rate is not payable in conjunction with any other promotional rate.
Combined balances up to $250,000 per account holder are guaranteed by the Australian Government.
Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to Savings Accelerator you should read the Savings Accelerator Terms and Conditions booklet. To view these documents you may need Adobe Acrobat. Savings Accelerator is issued by ING.
Living Super
The information about Living Super was prepared on behalf of Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153, RSE L0000635, the Trustee of Living Super (fund), a sub-plan of OneSuper ABN 43 905 581 638 and the issuer of interests in the Fund. Living Super is a product issued out of the Fund. Insurance cover offered by the Fund is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096. The Unique Superannuation Identifier (USI) for Living Super is 43 905 581 638 019. ING is a business name of ING Bank (Australia) Limited (ABN 24 000 893 292, AFSL 229823) (ING) and is the sponsor of the fund. An investment in the fund is neither a deposit nor liability of ING or any of its related entities and none of them stands behind or guarantees the fund.
The information on this webpage is general in nature only, and does not take into account your objectives, financial situation or needs. You should consider your personal circumstances, the appropriateness of the product and read the Product Disclosure Statement, Product Guide, Target Market Determination and Financial Services Guide available at ing.com.au/documents before making any decision to acquire, or continue to hold the product. You may also decide to seek independent financial advice before making a decision about the product.
Buy/Sell spreads and other incidental transaction costs apply to all managed investment options, including the Balanced fund. Buy/Sell spreads and other transaction costs are retained within the managed investment and are not fees paid to ING or the Trustee. The Trustee may replace one or more of the underlying investment managers which may affect the fee structure for the investment options. The Trustee may vary the fees for ING Living Super without your consent by giving 30 days notice.
Home Loans
Applications for credit are subject to ING's credit approval criteria. Fees and charges apply.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
Apple, the Apple App Store, iPhone, Siri and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are registered trademarks of Google LLC. You should consider the Apple Pay Terms and Conditions and the Google Pay Visa Debit Card Terms and Conditions for ING customers when setting up mobile payments on your eligible device.
