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Free ATM Usage, Apple/Android Pay, AusPost Transactions & Mo. Acc. Keeping + $0.50 Cashback on EFTPOS Withdrawal ≥$200 @ ING

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Free ATM Usage, Apple/Android Pay, AusPost Transactions & Mo. Acc. Keeping + $0.50 Cashback on EFTPOS Withdrawal ≥$200 @ ING
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Scrooge McDuck on 31/03/2017 - 17:44 ingdirect.com.au (595 clicks)
Last edited 13/05/2021 - 11:49 by 2 other users

OzBargain's favourite transaction account, ING Orange Everyday, now features Apple Pay and Android Pay.

  • Use any ATM in Australia for free (for the following month if $1000 or more is deposited into the account from an external account or if you have an ING home loan). 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).

  • No monthly account keeping fee.

  • $0.50 cash back for EFTPOS withdrawals of $200 or more.

  • Free Everyday transactions including Australia Post, Visa EFTPOS and bank cheque requests sent via registered post.

  • Excellent customer service with 24/7 telephone support. When two of my friends had their cards skimmed, ING contacted them within hours, returned their money within 1 business day and promptly issued them a new card!

None of my new friends have accounts with ING and there are probably new OzBargainers who don't either.

The bonus conditions can be easily met if you have $1000 in an external account. Just set up monthly automated transfers in and out of any personal ING account in your name. Otherwise, switching at least $1000 per month of your income to be paid directly into an ING Savings Maximiser is an economical option presently earning 3 % pa when combined with this promotion.

Mod Edit: No referral links after 7 days

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closed Comments

  • SonGHosT on 31/03/2017 - 17:53
    -5

    Not a deal. Quite a bit of effort to get $0.5.

    • pifts on 31/03/2017 - 18:14
      +11

      You're commenting on a site where people consider driving interstate for cheap fuel.

  • atlinus on 31/03/2017 - 17:57
    +3

    I recieved an email before from ING that soliciting referral from websites are disquaLified from referral bonus.

    Does both referee and referrer still get $75 credit? Last ema from them seems only mention only one gets the credit depending on what code they enter.

    This perks has always been for a long time so this is not a bargain unless they increase the bonus credits or perks.

    • Scrooge McDuck on 31/03/2017 - 18:01

      The promotion to which you're referring finishes today.

      A deal for the Orange Everyday account hasn't been posted for more than 6 months,

      and Apple Pay and Android Pay were just added this month.

      • psyren89 on 31/03/2017 - 18:24
        +2

        Android Pay has been active for a while now - since last year.

        • Scrooge McDuck on 31/03/2017 - 18:29
          +1

          Apologies, upon going through my emails from ING (there are a lot). It seems Android Pay was added in August last year and Apple Pay was added last month.

  • Succulent Synth on 31/03/2017 - 17:59
    +2

    Today is also the last day for the Macquarie deal https://www.ozbargain.com.au/node/289240

    • CVonC on 02/04/2017 - 01:06

      Ah damnit got the ANZ and BankSA ones but missed out on this!

  • Savas on 31/03/2017 - 18:01

    Thanks OP, good to know.

  • plasmapuff on 31/03/2017 - 18:13
    +12

    Bring that 2% paywave and then we'll talk.

    This should be in the forums.

    • atlinus on 31/03/2017 - 18:14
      +27

      Bring back the 5% paywave

  • hearitfromhorse on 31/03/2017 - 18:19
    -1

    Always been like it.

  • Stahh on 31/03/2017 - 18:33
    +1

    Would not recommend ING at all there referral system is shonky and they do not honour it.

    • 0lllllll0 on 31/03/2017 - 18:40
      +2

      call them. I've reffered two people. Didn't get it automatically. Told them on the phone, both parties got the money within a day.

      • starbearer on 31/03/2017 - 19:10

        Does the first $1000 deposit for getting the referral require a non-ING account?

      • Stahh on 31/03/2017 - 21:54
        +1

        my point exactly the are not paying the referral credits only when you chase it up so if using OZB you do not know when you have referred someone

    • Scrooge McDuck on 31/03/2017 - 18:41
      +1

      Are you sure your referee met the bonus conditions?

  • RedLights on 31/03/2017 - 19:04

    If only they offered no intl transaction fees on their everyday accounts… would tick all the boxes. 2.5% is ridiculous!

    • wetsandwich on 31/03/2017 - 21:16
      +1

      Not really ridiculous, just industry standard.

  • hawkers8905 on 31/03/2017 - 20:24
    -1

    ING were great when all they did was Savings Maximisers and Term Deposits. The Savings Maximiser was 6.25% back then, it was great. 3.00% is still competitive compared to 1.80% for the CommonWealth GoalSaver.

    Tried their Everyday account too, when it first launched, but didn't like the fact it took 2-3 days to transfer out into e.g CommonWealth Account and to be honest, I don't think they had a mobile app back then - I like apps.

    I don't pay any fees now using CommonWealth so not sure ING is really worth the hassle of sign up.

    The only good thing would be Apple Pay, but to be honest, I'd rather tap the card than the phone, you should have seen the WTF stare I got from a shop attendant I got the other day when I used Apple Pay for my AMEX.

    • Scrooge McDuck on 31/03/2017 - 20:45
      +5

      but didn't like the fact it took 2-3 days to transfer out into e.g CommonWealth Account

      That could've been Commbank's fault.

      I've transferred from ING to RAMS, U Bank, ME Bank, Macquarie, NAB, ANZ, Australian Unity and Rabobank. The funds have always been available the next business day, and even when I made the transfer after business hours.

      ING is by far the best bank I've banked with in terms of service, and their rates have been mostly competitive too except for periods of a few months when promo rates at other banks were superior. And I've banked with a lot of banks!

      The Orange Everyday account is the best transaction account available along with Macquarie Platinum.

      • hawkers8905 on 02/04/2017 - 21:02
        +1

        Going to give them another go. Perhaps things have improved since then. It was at least 5+ years ago since I had an account with them.

    • bluesky on 31/03/2017 - 20:59
      +3

      Perhaps when it was first launched, it took 2-3 days for transfer out.

      My recent experience has been ING is one of the faster banks (along with Commbank), when it comes to interbank transfers. E.g. if I transfer funds early morning from ING to Commbank, in the afternoon of the same day, the funds will already appear in the other account.

      • hawkers8905 on 02/04/2017 - 21:02
        +1

        Going to give them another go. Perhaps things have improved since then. It was at least 5+ years ago since I had an account with them.

    • buthidae on 02/04/2017 - 02:28
      +1

      I used to get paid to my Bankwest account, and transfer a chunk of it to another smaller bank, I'd do it in the morning and it would always go in same day. Now, I get paid to my ING Direct account and do the same transfer, and it's always there same day. Mind you, the pay coming in takes a bit longer - I used to get paid some time in the middle of the night, and now I don't see it until 8 or 9 am (WAST) the following morning.

  • [Deactivated] on 31/03/2017 - 20:41
    -1

    It was OK when they had 5% cash back, not worth the hassle any more. You get all these with every bank. At least they have real branches and employ some Australians. These guys are misleading, they say no account fee and no ATM fee but want $1000 deposit a month, the greedy Wespack are the same! You go to NAB and there is no monthly fee. At least they have ATMs and you don't need to take $200 at a time.

    • Scrooge McDuck on 31/03/2017 - 20:46
      +1

      At least they have real branches and employ some Australians.

      I've spoken to an Australian every time I've called ING.

      You go to NAB and there is no monthly fee. At least they have ATMs and you don't need to take $200 at a time.

      You can only use NAB network ATMs for free with NAB.

      With ING you can use any ATM in Australia for free. You can perform any transaction for free, the $200 requirement is a separate feature of EFTPOS withdrawals which gives you $0.50 cash back.

      • CI on 31/03/2017 - 21:43
        +1

        I second that
        ING have been giving excellent customer service. I remember when I opened my account they had $50 promo. But $50 didn't get deposited till 3 months later and as apology they gave me another $50.

        • citygal on 31/03/2017 - 22:54

          You're lucky. Last time they didn't honour the $75 for referral claiming that the first account opened is a joint account but actually is not. Talked to the manager and after many phone calls I still didn't get the $75. The manager expressively said that i'm scamming their system and "If I were you, I'll be very happily make my bf receive $75 and leave it as it is" even when I refer to the T&C they refused to pay. They said the only thing they could do is to receive feedback. It's such a bizarre tho I like the free ATM. Now I'm considering Macquaire.

  • His_Holiness on 31/03/2017 - 22:29

    No deal. Macquarie has a transaction account with no monthly fees, free any ATM access and 50c rebates for $200 cashouts without a minimum monthly deposit requirement.

    • Scrooge McDuck on 01/04/2017 - 00:45

      Could you link to it?

      The Macquarie Platinum Transaction Account requires a monthly deposit of $4000.

      The Macquarie Classic Transaction Account does not require a monthly deposit but doesn't seem to have it's own page, so the features are uncertain.

      • His_Holiness on 01/04/2017 - 00:53
        -1

        Unfortunately Macquarie should advertise their Classic account better. When you click to apply and go through a few steps it lists those four features as being part of the Classic account.

        • Scrooge McDuck on 01/04/2017 - 01:21

          The Orange Everyday account still has synergistic appeal when opened with the Savings Maximiser. The conditions for the bonus rate of 3 % are the same as those of this deal.

          Macquarie's savings account only offers 2.65 % as a 4 month introductory rate before reverting to 1.3 %.

          A Savings Maximiser can be used to hold the bulk of your cash to earn 3 % while the Orange Everyday can be credited instantly for purchases as needed.

      • [Deactivated] on 01/04/2017 - 09:13

        Platinum Transaction Account when applied through referral, you get $40 credited to your account, and the $4000 requirement is waived. It's not a classic account like mentioned above, it's actually platinum at the price ($0) of the classic.

  • Lord Ra on 01/04/2017 - 01:12
    +2

    Thanks. I bank with ING and they are awesome. I don't need to go hunting for an atm now, I can just use the first one I see. Just like ALL banks in England. It should become a norm. Like seat belts. Only issue is with change of details or new account you have to get your documents attested. But of a pain for me. I'd rather just show them the originals.

    • WB TQM on 02/04/2017 - 11:35

      Question, can you use those generic ATM's seen at markets etc that usually charge a fee to any bank a/c holder without incurring a fee?

      • Scrooge McDuck on 02/04/2017 - 13:31
        +2

        Yes, you can use any ATM in Australia and the fees will be refunded instantly.

        • WB TQM on 02/04/2017 - 15:16

          Thanks Scrooge

  • HuskyActual on 22/04/2017 - 04:25

    How long does it usually take to deposit from and withdraw to an ANZ account?

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