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Mozo Experts Choice award winner 2024
1% cashback on eligible utility bill payments (up to $100 per financial year)
Round up savings feature
Save on fees with up to 5 ATM fee rebates per month
No branch access
Must meet monthly eligibility criteria to qualify for fee rebates and cashback (details below)
As far as bank accounts go, the ING Orange Everyday account is among Australia’s best. It was awarded an Exceptional Everyday Account award in the 2024 Mozo Experts Choice Awards and could pay you for paying your bills.
If you want to enjoy the top benefits of this account which include no monthly account fee, ATM fee rebates (up to 5 per month), unlimited rebates on international transaction fees, and 1% cashback on eligible utility payments you will need to meet the monthly eligibility criteria.
To qualify, you need to deposit at least $1,000 from an external bank account and make at least 5 purchases using your ING debit or credit card each month.
The Orange Everyday also comes with a handy round-up feature that can help you to save. Purchases you make on your card are rounded up to either $1 or $5 and deposited into your nominated account or charity.
ING’s Orange Everyday bank account offers no monthly fees and 1% cashback on eligible utility bills up to $100 (T&Cs apply). Mozo Experts Choice Awards Everyday & Savings Bank of the Year winner for 2024.^
Your selected bank accounts
Orange everyday is an awesome bank account to have. I why they offered bank accounts to teens as well as I’d sign my son up with an account as well
ING has been a great bank to use due to the ease of creating an account online, zero bank fees and an easy to use app. They don’t have a branch you can visit to deposit money into, however it’s rare that I have cash to deposit.
Great bank with no fees. Need a new card - my last card came in 2 business working days. Great customer service. Can't say a bad word about ING.
ING have always been leaders in providing great customer service, call centres in Australia, and pro-active with offering deals or pathways to help you achieve what you want. This may be a saving goal, a loan or changing products. They have always provided fee free ATM usage at any ATM in Australia and Internationally when I travel. Would never bank anywhere else.
Easy access and simple banking and saving options.
The ING Orange Everyday Account has established itself as a competitive everyday banking option in Australia's financial landscape. The account stands out for its fee-free structure - there are no monthly fees, and ING doesn't charge for everyday transactions or ATM withdrawals at any Australian ATM. One of the account's most attractive features is its rebate program. When you deposit at least $1,000 monthly and make 5+ card purchases, ING rebates international transaction fees and international ATM fees worldwide. This makes it particularly valuable for travelers or online shoppers who make international purchases. The digital banking experience is modern and user-friendly, with a well-designed mobile app that makes managing money straightforward. The app includes helpful features like round-up savings, spending categorization, and real-time transaction notifications. When it comes to customer service, while phone support often involves lengthy wait times, the in-app messaging feature typically provides faster responses, making it the preferred option for most queries. However, there are some considerations to keep in mind. To earn interest on your balance, you'll need to link an ING Savings Maximiser account. The rebate requirements (monthly deposit and card purchases) must be met consistently to maintain the benefits, which might not suit everyone's banking habits. Tips for prospective customers: - Set up automatic deposits to ensure you meet the monthly deposit requirement - Consider pairing it with an ING Savings Maximiser for better interest rates - Keep track of your card purchases to ensure you meet the 5+ transactions requirement - Use the in-app messaging feature rather than phone banking for faster support - Download the mobile app early to familiarize yourself with its features While physical branches are limited since ING is primarily an online bank, most everyday banking needs can be handled through the app, phone banking, or online platform. For those comfortable with digital banking and looking for a fee-free account with potential international benefits, the Orange Everyday Account is worth considering.
I moved all of my banking over to ING after hearing positive feedback from a close friend who did the same thing before me. What stood out to me, was the refund of international fees when using my money overseas. I visited the United States in 2022 and used my money in a Commonwealth bank account, and ended up spending over $1,000 in international fees. However, when I went back to the States in 2023 and used my ING bank account, I was not charged any international fees, which was a huge saving and meant I had more spending money! This was enough for me to then move all of my banking over to ING. ING seem more fair to their customers and provide some value in their products as opposed to other banks who don't seem to be offering anything for handling our monies. ING don't have in person branches, and this may be a negative to some people, but it has not caused any issues for me thus far.
Very good security on transactions. Their quick to stop a transaction they think maybe fraud
ING direct - Every day bank account - I like/pros: - there are no bank fees - there are no ATM withdrawal fees - No international exchange fees - I can easily create a new saving account for different goals - customer service on the phone has always been friendly, helpful and knowledgeable Cons: There is no branch to see staff or deposit cash .
Pros: fantastic competitive interest rates, incredible customer service including a chat service if you’re like me and hate phone calls, no atm or international fees, no monthly bank fees for active accounts, cool features like “round up” that help save money without putting financial stress on yourself Cons: no atms to deposit money , you need to visit Australia post in order to do so
As ING is a digital-only bank, you’ll need to submit your application online. It takes less than 10 minutes according to ING.
Yes, in order to open an ING bank account you will need to:
You’ll need at least two forms of identification (passport, drivers licence, Medicare card).
You can use your ING Visa card at any ATM in Australia or around the world that accepts Visa cards.
^See information about the Mozo Experts Choice Bank Account Awards
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