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HOW CAN WE HELP?
POPULAR SEARCHES
* What is a Hospital Excess payment for ING Health Insurance?
* Am I covered for a pre-existing condition with ING Health Insurance?
* What are out-of-pocket expenses for ING Health Insurance?
* What are no-gap specialist partners for ING Health Insurance hospital
procedures?
* Who doesn’t unlimited emergency ambulance apply to on ING Health Insurance?
* How can I get help contacting ING Insurance?
* How often can I receive pension payments from Living Super?
* How is my identity information protected?
* How long does it take to receive a Security Code?
* How much does it cost to have a security code?
BACK TO RESULTS
NEED HELP?
If you don't find your answer here, get in touch with our Australia-based
customer care specialists.
133 464
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* Joint application
* Bank & Save
* Everyday Banking
* Personal Savings
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EVERYDAY BANKING
* ORANGE EVERYDAY BANK ACCOUNT
Because when it comes to your money, every little bit counts.
* ORANGE EVERYDAY YOUTH BANK ACCOUNT
Helping teens aged 15 to 17 to start out right.
PERSONAL SAVINGS
* ALL PERSONAL SAVINGS
Get ahead or stay that way with an ING savings account.
* SAVINGS MAXIMISER
High variable interest rate. With competitive ongoing rates, all your
money goes towards your savings goals.
* PERSONAL TERM DEPOSIT
High interest rate guaranteed for the term. You choose the timeframe.
* SAVINGS ACCELERATOR
Tiered savings account with higher variable interest rates for balances
starting at $50,000.
BUSINESS SAVINGS
* ALL BUSINESS SAVINGS
Straightforward banking for your business.
* BUSINESS OPTIMISER
High variable interest business savings account with 24/7 access.
* BUSINESS TERM DEPOSIT
High fixed interest rate for business savings. You choose the timeframe.
* WHOLESALE TERM DEPOSIT
Competitive interest rates for a fixed period, that's tailored to your
cash flow needs.
YOUR TOOLS
Your financial tool-kit
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PayID
Managing your card
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* Credit Cards
* Credit Cards
* ALL CREDIT CARDS
Clear and simple, with easy-to-use features so you can stay on top of your
finances.
* ORANGE ONE LOW RATE
Low rate credit card with no annual fee.
* ORANGE ONE REWARDS PLATINUM
Platinum credit card with cashback rewards.
YOUR TOOLS
Mobile app
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Compare All credit cards
* Personal Loans
* Personal Loans
PERSONAL LOANS
* ALL PERSONAL LOANS
Unsecured personal loan with a low fixed rate, no ongoing monthly fees and
no early repayment fees.
* PERSONAL LOAN FOR CAR
Hit the road sooner
* PERSONAL LOAN FOR RENO
Make your renovation dream a reality
* PERSONAL LOAN FOR WEDDING
Plan your perfect day
* PERSONAL LOAN FOR TRAVEL
Tick off your bucket list destinations
* PERSONAL LOAN FOR DEBT CONSOL
Show your bills whose boss
YOUR TOOLS
Personal loan borrowing power calculator
Personal loan repayments calculator
RateCity comparison tool
Personal loan interest rates
How to apply
* Home Loans
* Home Loans
* Commercial Loans
HOME LOANS
* ALL HOME LOANS
Home loans for buyers, investors and borrowers looking for a better deal.
* MORTGAGE SIMPLIFIER
Low variable interest rate home loan with no ongoing monthly or annual
fees.
* ORANGE ADVANTAGE
Includes a 100% interest offset when linked to our Orange Everyday bank
account.
* FIXED RATE LOAN
Fixed interest rate home loans for terms of one to five years.
COMMERCIAL LOANS
* COMMERCIAL LOANS
For investors looking to refinance or purchase commercial property.
YOUR TOOLS
Tips for buyers, borrowers and investors
Everyday round up for home loans
Compare all home loans
All home loan calculators
Home loan borrowing power calculator
Home loan repayments calculator
Home loan interest rates
Request a home loan variation
Home loan reference rates
* Insurance
* Insurance
* ING Car Insurance
* ING Health Insurance
* ING Home and Contents Insurance
* ING Motorcycle Insurance
* ING Pet Insurance
* ING Travel Insurance
INSURANCE
* ALL INSURANCE
Choose from a range of insurance options to protect you, your family and
the things most special to you.
CAR INSURANCE
* ING CAR INSURANCE
Save 15% on your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
* ING COMPREHENSIVE CAR INSURANCE
Covers loss or damage to your car plus the damage it causes to other
people's vehicles and property for which you are liable.
* ING THIRD PARTY CAR INSURANCE
Covers your liability for $20 million worth of accidental damage your car
causes to other people's vehicles and property.
HEALTH INSURANCE
* ING HEALTH INSURANCE
Hospital and Extras cover options to fit your lifestyle. Find yours in a
few simple steps.
HOME AND CONTENTS INSURANCE
* ING HOME AND CONTENTS INSURANCE
Save 30% on your first year's premium when you purchase a combined ING
Home and Contents Insurance policy online. T&Cs apply - see disclaimer
below.
MOTORCYCLE INSURANCE
* ING MOTORCYCLE INSURANCE
Save 15% on your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
PET INSURANCE
* ING PET INSURANCE
Save 15% on your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
TRAVEL INSURANCE
* ING TRAVEL INSURANCE
Save 15% on your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
15% off
ING Car Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Learn more
YOUR TOOLS
Compare cover choices
Retrieve a quote
Make a claim
Documents and forms
15% off
ING Car Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Learn more
YOUR TOOLS
Compare cover choices
Member services
Documents and forms
YOUR TOOLS
Compare cover choices
Retrieve a quote
Make a claim
Documents and forms
30% off ING Home &
Contents Insurance
On your first year's premium when you purchase a combined policy online.
T&Cs apply - see disclaimer below.
Learn more
YOUR TOOLS
Compare cover choices
Retrieve a quote
Make a claim
Documents and forms
15% off ING
Motorcycle Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Learn more
YOUR TOOLS
Cover choices
Retrieve a quote
Make a claim
Documents and forms
15% off
ING Pet Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Learn more
YOUR TOOLS
Compare cover choices
Documents and forms
* Superannuation
* Superannuation
* SMSF
SUPERANNUATION
* LIVING SUPER
A simple super solution that delivers real value, choice and control.
SMSF
* SMSF CASH
High variable interest rate on the cash component of your Self Managed
Superannuation Fund.
* SMSF TERM DEPOSIT
High fixed interest rate for your Self Managed Superannuation Fund. You
choose the timeframe.
YOUR TOOLS
Living Super accounts
Living Super investment options
ETFs, Shares and LICs
Superannuation calculators
Superannuation interest rates
YOUR TOOLS
Living Super accounts
Living Super investment options
ETFs, Shares and LICs
Superannuation calculators
Superannuation interest rates
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* About us
* Help and support
* Security info
* BSB: 923-100
* Joint application
WANT TO REACH YOUR SAVINGS GOALS SOONER?
Earn up to
5.00 % p.a.
Variable rate
With competitive ongoing rates, all your money goes towards your savings goals
On up to $100,000 when you also hold an Orange Everyday and each month meet the
eligibility criteria and grow your nominated Savings Maximiser Balance
(excluding interest). Available on one account. Find out more
Find out more
INVESTMENT SCAM ALERT
ING does not offer individual bond products, and is unable to provide any
information on bond products. We recommend speaking to a financial professional
when it comes to investing in any type of asset or security.
Find out more
FINANCIAL SUPPORT
Need Financial Support with your Home Loan, Personal Loan or Credit Card?
Visit FAQs
KYC
Find out more about the Know Your Customer process.
Learn more
SEE HOW ING CAN HELP YOU
Learn more in this quick and easy guide to banking with ING.
* Banking & saving
* Credit Cards
* Personal loans
* Buying property
* Building wealth
* Business
EASY ACCESS TO EVERYDAY BANKING WITH GREAT BENEFITS.
Don't overcomplicate your everyday banking. With Orange Everyday and Savings
Maximiser the choice is yours on how you want to pay. Here's how ING could help.
EVERYDAY BANKING
Orange Everyday
You could get 1% cashback on eligible utility bills. T&Cs apply.
$0 ING international transaction fees when you shop online and overseas.
Save on fees with up to 5 rebated ATM withdrawal fees a month in Australia and
overseas.
Available when customers deposit $1,000+ from an external source to any personal
ING account in their name (excluding Living Super, Personal Loans and Orange
One) and make 5 or more settled (not pending) eligible ING card purchases each
month.
When the criteria is met in a calendar month, the benefits will apply in the
next calendar month.
Learn more about Orange Everyday
SAVINGS ACCOUNT
Savings Maximiser
For each month that you:
- deposit $1,000+ from an external source,
- make 5+ card purchases that are settled (not pending) and
- grow your nominated Savings Maximiser balance (excluding interest earned for
that month)
you get these benefits the following calendar month:
You could earn up to 5.00% p.a. variable interest on one nominated Savings
Maximiser account for balances up to $100,000 (when you also have an Orange
Everyday)
Learn more about Savings Maximiser
See all savings products
LIFE IS FULL OF SURPRISES. AN ING PERSONAL LOAN ISN'T.
ING unsecured personal loans available from 6.99% p.a. to 16.99% p.a.
(comparison rate from 7.20% p.a. to 17.22% p.a.).
PERSONAL LOANS
ING Personal Loan
Get your funds sooner when you have an Orange Everyday.
We will pop your funds into your account automatically once you accept the
details of your loan.
Learn more about ING Personal Loan
EVERYDAY BANKING
Orange Everyday
Available when customers deposit $1,000+ per month (such as their pay) and make
5+ card purchases that are settled (not pending) each month to get these
benefits the following calendar month:
You could get 1% cashback on eligible utility bills. T&Cs apply.
'$0' International transaction fees when you shop online and overseas.
Save on fees with up to 5 rebated ATM withdrawal fees a month in Australia and
overseas.
Learn more about Orange Everyday
FOR WHATEVER IS ON THE CARDS
Choose a value packed low rate card with no annual fee or our platinum card that
gives you cash back on your spend.
CREDIT CARDS
Orange One Low Rate
Choose a value packed card with no annual fee and a low fixed interest rate from
Australia's most recommended bank.
No annual fee AND a low 11.99% p.a. variable rate on purchases
No ING international transaction fees if you deposit at least $1,000 a month
into your Orange Everyday and make 5+ card purchases that are settled (not
pending) each month
Mobile payments made easy with Apple Pay and Google Pay
Credit limits available from $1,000 to $30,000
Learn more about our Credit Cards
Compare all our Credit Cards
Choose to Pay off your purchases and set the terms of your choice using
instalment plans and get an even lower interest rate of 9.99% p.a.
Set up personalised notifications to help stay on top of things
Set up automatic repayments from your eligible ING account
Add an additional card holder for just $10 per card
WE'RE HERE TO MAKE YOUR NEXT MOVE EASIER
Make the process of buying a house or re-financing simpler with a
straightforward, easy-to-understand home loan. Then save yourself the insurance
run-around and money by keeping everything under one roof. Here's how ING can
help.
HOME LOAN
The best place for your home
From first timers to switchers, we can help you achieve your property goals.
Your own home loan specialist will be there to help you, every step of the way.
Online calculators that help you estimate your borrowing power, repayments and
offset savings.
Low variable and fixed interest rates with split loan options.
Compare our home loans
INSURANCE
HOME AND CONTENTS INSURANCE
Protect what you love with Combined Home and Contents Insurance. Save 30% on
your first year's base premium online.
Choose the cover that's right for you - home, contents, home and contents or
optional covers.
Relax with new for old replacement – cover for fire, storm, theft and a $20
million legal liability cover. See the PDS for full details.
Make claims 24/7 online or over the phone.
Learn more about Home and Contents Insurance
MAKE YOUR MONEY WORK HARDER.
Save for the future and grow your wealth with options that could deliver
long-term benefits. Here's how ING could help.
SUPERANNUATION
Living Super
Save more over the long term for your retirement lifestyle with our simple super
solution.
Learn more about Living Super
SAVINGS ACCOUNT
Savings Maximiser
For each month that you:
- deposit $1,000+ from an external source,
- make 5+ card purchases that are settled (not pending) and
- grow your nominated Savings Maximiser balance (excluding interest earned for
that month)
you get these benefits the following calendar month:
You could earn up to 5.00% p.a. variable interest on one nominated Savings
Maximiser account for balances up to $100,000 (when you also have an Orange
Everyday)
Learn more about Savings Maximiser
See all savings products
SPECIALISTS IN BUSINESS DEPOSITS AND COMMERCIAL LENDING.
Competitive rates on term deposits, high variable interest savings, and
commercial property loans.
BUSINESS SAVINGS
Business Optimiser
High variable interest business savings account with 24/7 access.
Learn more about Business Optimiser
See all Business savings account
COMMERCIAL LOANS
Dedicated support
If you require more than $500,000 for a commercial property, our specialist team
can assist you with experience gained over 25 years in the real estate market.
Funding options include:
Variable or Fixed term loans
Financing traditional investments in real estate, such as commercial,
industrial, retail or multi-unit residential property
Development and construction projects
Learn more about Commercial Loans
Bank & Save
BANK & SAVE
Easy access to everyday banking with great benefits. Savings accounts with
competitive interest rates, no ING fees and rewards for saving with us.
Orange Everyday
Savings Maximiser
See all savings accounts
Business Optimiser
More business products
Credit cards
CREDIT CARDS
Credit cards with practical features like autopay and instalments to help you
stay on top of your finances.
Orange One Low Rate
Orange One Rewards Platinum
All credit cards
Personal Loans
PERSONAL LOANS
ING Personal Loan with a low fixed interest rate gives you certainty in your
repayments - plus no early repayment fees, and no ongoing monthly or annual
fees.
ING Personal Loan
Home loans
HOME LOANS
Simple to understand home loans with competitive rates, fee options and special
offers.
Orange Advantage
Fixed Rate Loans
See all home loans
COMMERCIAL LOANS
Priority Commercial Loans
Commercial Property Finance
Insurance
INSURANCE
Help look after yourself with:
ING Health Insurance
Protect what you love and save on your first year's base premium when you
purchase these policies online:
30% off combined ING Home and Contents Insurance
15% off ING Contents Insurance
15% off ING Home Insurance
15% off ING Car Insurance
15% off ING Pet Insurance
15% off ING Travel Insurance
15% off ING Motorcycle Insurance
Terms and conditions apply - see disclaimer below.
Superannuation
SUPERANNUATION
Great value super and retirement solutions for all life stages.
Living Super
SMSF Cash
SMSF Term Deposits
JOINT APPLICATION
Go to app Invited to a joint account?
DO YOUR BANKING WHERE AND WHEN YOU LIKE
* ONLINE BANKING
* MOBILE APP
* CUSTOMER CARE
* PHONE BANKING
* AUSTRALIA POST
* EFTPOS & ATMS
Find out more
FIND OUT MORE
ARE YOU STRUGGLING FINANCIALLY?
If times are unexpectedly tight, you may qualify for temporary relief. We'll do
what we can to help.
Find out more
ACCESS YOUR BANKING WHERE AND WHEN YOU LIKE
Fast, convenient and secure. Whichever way you like to do your banking, we've
got you covered. If you have a disability, see how we make banking more
accessible for you.
Find out more
BANKING CODE OF PRACTICE
The Banking Code of Practice is a set of commitments made to our customers,
developed by the banks in collaboration with the Australian Banking Association.
Find out more
FIND OUT MORE
FINANCIAL SUPPORT
If you are experiencing financial difficulty or difficult personal
circumstances, find out how we can help.
Find out more
ACCESS YOUR BANKING WHERE AND WHEN YOU LIKE
Fast, convenient and secure. Whichever way you like to do your banking, we've
got you covered. If you have a disability, see how we make banking more
accessible for you.
Find out more
BANKING CODE OF PRACTICE
The Banking Code of Practice is a set of commitments made to our customers,
developed by the banks in collaboration with the Australian Banking Association.
Find out more
MORE FROM ING
Previous
Are you mortgage-ready?
How, where, when to finally fix your finances
To renovate or not to renovate: that is the question
Enjoying your big day on a not-so-big budget
Your 'things' revealed in ING's 'Sense of Us'
How to embrace money minimalism
How to be rainy day ready
Are you mortgage-ready?
How, where, when to finally fix your finances
To renovate or not to renovate: that is the question
Enjoying your big day on a not-so-big budget
Your 'things' revealed in ING's 'Sense of Us'
How to embrace money minimalism
How to be rainy day ready
Are you mortgage-ready?
How, where, when to finally fix your finances
To renovate or not to renovate: that is the question
Enjoying your big day on a not-so-big budget
Next
IMPORTANT INFORMATION
Information and interest rates are current as at the date of publication and are
subject to change. All applications for credit are subject to ING's credit
approval criteria. Fees and charges apply. 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 our products you should read the relevant Terms and Conditions
booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133
464. 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 and Australian
Credit Licence 229823.
Orange One Rewards Platinum 1% cashback
Where you hold an active Orange One Rewards Platinum Credit Card Account and an
active linked Orange Everyday Account (i.e. not been suspended or closed), you
can earn 1% cashback up to a maximum cashback entitlement of $30 per month per
Account when you make eligible purchases^ on your Orange One Rewards Platinum
Credit Card. The cashback entitlement will be calculated monthly and will be
paid to your linked ING Orange Everyday Account one calendar day after the date
you are required to make your minimum monthly credit card repayment. The
cashback does not reduce your minimum monthly credit card repayment obligations.
^Eligible purchases include card purchases made in store or online, EFTPOS
purchases, payWave and Apple Pay transactions made with Orange One Rewards
Platinum Visa card, but excludes:
* - Cash transactions (including cash withdrawals from an ATM or over the
counter at a bank or cash provider, pseudo cash transactions e.g. gambling,
mobile phone top ups and foreign currency and travellers cheques), interest,
default charges, insurance premiums and other fees and charges debited to
your Orange One Rewards Platinum Account.
* - Amounts re-credited or refunded. Any purchases refunded will be removed
from the calculation for the cashback;
* - Any transactions made which result in spending that exceeds the credit
limit in any one month; and
* - BPay transactions.
We may vary any of these terms and conditions or withdraw this cashback offer at
any time.
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global
Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance
Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group
policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian
credit licence 229823 (ING) which allows eligible persons to claim under it as
third party beneficiaries. Access to the benefit of cover under the ING card
insurances is available to eligible ING cardholders and other eligible third
party beneficiaries by operation of s48 of the Insurance Contracts Act 1984
(Cth). Terms, conditions, limits and exclusions apply. Any advice on insurance
is general advice only and not based on any consideration of your objectives,
financial situation or needs. You must check whether or not it is appropriate,
in light of your own circumstances, to act on this advice. ING does not
guarantee this insurance.
Home loans
The variable rates above include a discount that is applied to the relevant
reference rate. These variable rates are only available for new ING security
property and borrowings. All rates and information are correct at time of
publication and are subject to change. All applications for credit are subject
to ING's credit approval criteria. Fees and charges apply. Details of these and
the terms and conditions are available at ing.com.au or by calling 133 464. All
features are not available for every type of loan. If you select a fixed rate
loan, break costs may be payable if, at any time before the fixed rate expires,
you (1) pay out your loan, make an additional payment of $10,000 or more, or you
make additional payments totalling $10,000 or more in any one-year period (with
the first one-year period starting on the first day of the fixed interest
period), or (2) you ask us to make certain changes to your loan including but
not limited to your loan type, your repayment type, your loan purpose, your
fixed interest period, the security on your property, your approved loan amount,
your loan term, the borrowers on your loan or any other change that requires
your loan to be re-documented. You should refer to the Home Loan terms and
conditions for details and contact us on 133 464 for an estimate of the break
costs that may be payable by you in the above circumstances. Any additional
payments or advanced funds are not available for redraw during the fixed
interest period. There is no offset facility available on a fixed rate loan. The
offset facility is only available on the Orange Advantage home loan account when
linked to an Orange Everyday account. With an Orange Advantage home loan, a
non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement
fees and charges located here for more information); and 100% interest offset
when linked to our Orange Everyday transaction account and you make a deposit
into this account. The comparison rate is based on a loan amount of $150,000
over a loan term of 25 years. WARNING: This comparison rate is true only for the
example given and may not include all fees and charges. Different terms, fees or
other loan amounts might result in a different comparison 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 our products you should read the relevant Terms and
Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by
calling 133 464. To view these documents you may need Adobe Acrobat. Products
are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000
893 292, AFSL and Australian Credit Licence 229823. ING recommends you seek
independent financial or taxation advice where appropriate.
ING Property Reports
Property reports are prepared by Core Logic. The statements, information and
opinions contained in those reports are those of Core Logic only, and ING does
not endorse or accept any liability for them. The ING Property Report is
available to customers who provide their contact details for ING to contact them
about products and services.
Personal loans
The comparison rate for the ING Personal Loan is based on an unsecured loan of
$30,000 over a loan term of 5 years. WARNING: This comparison rate is true only
for the examples given and may not include all fees and charges. Different
terms, fees or other loan amounts might result in a different comparison rate.
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, 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).
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 the ATM withdrawal fees for the first 5 fee incurring ATM
withdrawals (Domestic & International) on the account.
An eligible utility bill payment is a payment made by BPAY or direct debit (BSB
and account number) 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
Everyday Fees and Limits Schedule, 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.
Orange Everyday Youth
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, 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).
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. Orange Everyday Youth accounts will receive access to the Orange
Everyday benefits without having 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 the ATM withdrawal fees for the first 5 fee incurring ATM
withdrawals (Domestic & International) on the account.
An eligible utility bill payment is a payment made by BPAY or direct debit (BSB
and account number) 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
Everyday Fees and Limits Schedule, 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, Personal Loans 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 at any time. The additional
variable rate is not payable in conjunction with any other promotional rate.
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 Orange Everyday Fees and
Limits Schedule.
Car, Home and Contents, Motorcycle, Travel and Pet Insurance
ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) is issued by
Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (AGIC)
as insurer (Insurer). Home & Contents, Car, Motorcycle and Travel are
distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411
(AGS) and ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised
Representative 1247634 of AGS. Pet Insurance is administered by Pet Health
Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative
1282153 of AGIC. Pet Insurance is distributed by AGIC and ING Bank (Australia)
Limited ABN 24 000 893 292 (IBAL) as Authorised Representative 1247634 of AGIC.
ING is a business name of ING Bank (Australia) Limited. An ING Insurance policy
does not represent a deposit with or liability of, and is not guaranteed or
otherwise supported by, ING or any of its related bodies corporate. ING will
receive a commission from either AGIC or AGS for each policy purchased which is
a percentage of the base premium. For further details see the Financial Services
Guide.
ING Insurance is subject to AGIC's underwriting criteria and ING's Customer
Eligibility and Name Screening Assessment. ING Home & Contents Insurance is not
available in NT, North QLD or Northern WA. For Car Insurance, vehicle details
are checked against information available on Red Book. For Motorcycle Insurance,
vehicle details are checked against information available on Glass' Guide . Pet
Insurance is not available for dogs and cats 8 weeks old and under or 9 years
old and over at the time of application.
This is general information only, and does not take into account your particular
objectives, financial situation and needs and you should consider whether it is
appropriate for you having regard to these factors before acting on it. Read the
Product Disclosure Statement, Target Market Determination, Financial Services
Guide, Key Fact Sheets (Home and Contents Insurance Only), Premium Excess &
Discount Guideline (Car Insurance Only), Roadside Assistance Terms and
Conditions (service provided by AGS for Car Insurance Only) and the ING Customer
Eligibility and Name-Screening document available at ing.com.au, and consider if
an ING Insurance product is right for you before deciding to purchase or
continue to hold the product.
The price we quote is at the Insurer's sole and unrestricted discretion. It is
based on the profile of the risk to be covered and any other factors the Insurer
may choose. These factors may change at any time without notice, as may the
prices. If the policy renews, the price may exceed the price paid for the
previous policy. Base premiums are subject to change. You will be responsible
for all applicable GST and other statutory charges.
DISCOUNTS: All discounts are applied before government charges, taxes, levies
and fees, including instalment processing fees (as applicable). The full extent
of all discounts may therefore be impacted. We reserve the right to change any
of the discount offers at any time.
* - Online discounts below apply to the first year's premium paid for a new ING
Insurance policy purchased online for approved applicants only. Online
discounts do not apply to any renewal offer of insurance.
- ING Home and Contents Insurance: 30% discount on combined Home & Contents
Insurance, 15% for Home only or Contents only Insurance policies.
- ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only
and Third Party Property, Fire & Theft Car Insurance policies.
- ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party
Property Only and Third Party Property Fire & Theft Motorcycle Insurance
policies.
- ING Travel Insurance: 15% discount on Annual Multi-Trip, Comprehensive,
Essential, Last Minute and Domestic Travel Insurance policies.
- ING Pet Insurance: 15% discount on a Pet Insurance policy.
Health Insurance
Join offer: Get $150 off singles policies and $300 off couples, families and
single parent policies for new members only, joining a combined cover by 28
February 2023. Eligibility and T&Cs apply. For full terms and conditions please
click here.
ING Health Insurance is issued by nib health funds limited ABN 83 000 124 381
(nib), a registered private health insurer, and is marketed by ING Bank
(Australia) Limited (ABN 24 000 893 292) (ING). ING is an authorised agent of
nib and receives commission from nib. An ING Health Insurance policy issued does
not represent a deposit with or liability of, and is not guaranteed or otherwise
supported by, ING or its related bodies corporate.
The information contained in this website has been prepared by ING. This
information is correct as at the date of publication and is subject to change.
ING Bank (Australia) Limited cannot advise on financial or tax matters. Any
information provided to you is general in nature and does not take account of
your individual circumstances. You should obtain your own independent financial
advice.
ING Health Insurance policies are subject to the ING customer eligibility and
name screening assessment at inception and while holding the product. Please
refer to the Customer Eligibility and Name Screening document.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other
countries. The Apple Pay Terms and Conditions for ING customers are available to
consider when setting up Apple Pay on your eligible device.
32,000 ATMs according to Australian Payment Networks transaction statistics on
ATM Terminals June 2017.
ING is Australia's most recommended bank according to RFi XPRT Survey, February
2021 - July 2021 (n = 31,903) when compared to customers of 20 other banks
operating in Australia. It is also Australia's fifth largest main financial
institution (MFI) with 6% of market share according to RFi XPRT Survey, February
2021 - July 2021 (n= 31,903). MFI is defined as the bank that the consumer says
is their main financial institution.
Source: Galaxy research (January 2018) commissioned for ING suggests Aussies who
purchased something from international online retailers in 2017 have
collectively paid as much as $166M in bankcard transaction fees (n=1,001).
ING Bank Australia Limited ABN 24 000 893 292.
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ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL
229823, Australian Credit Licence 229823.
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, Personal Loans 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 at any time. The additional
variable rate is not payable in conjunction with any other promotional rate.
ING Pet Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111
586 353 AFSL 285571(AGIC) as insurer (Insurer). It is administered by Pet Health
Insurance Services Pty Ltd ABN 59 638 910 675 as authorised representative
1282153 of AGIC. It is distributed by AGIC and by ING Bank (Australia) Ltd ABN
24 000 893 292 as Authorised Representative 1247634 of AGIC. ING is a business
name of ING Bank (Australia) Ltd (IBAL). An ING Insurance policy issued does not
represent a deposit with or liability of, and is not guaranteed or otherwise
supported by, ING or its related bodies corporate. ING will receive a commission
from AGIC for each policy purchased which is a percentage of the base premium.
For further details see the Financial Services Guide.
ING Pet Insurance is subject to AGIC's underwriting criteria and ING's Customer
Eligibility and Name-Screening Assessment.
This is general information only, and does not take into account your particular
objectives, financial situation and needs and you should consider whether it is
appropriate for you having regard to these factors before acting on it. Read the
relevant Product Disclosure Statement, Target Market Determination, Financial
Services Guide and the ING Customer Eligibility and Name-Screening document
available at ing.com.au and consider if an ING Pet Insurance product is right
for you before deciding to purchase or continue to hold the product.
The price we quote is at the Insurer's sole and unrestricted discretion. It is
based on the profile of the risk to be covered and any other factors the Insurer
may choose. These factors may change at any time without notice, as may the
prices. If the policy renews, the price may exceed the price paid for the
previous policy. Base premiums are subject to change. You will be responsible
for all applicable GST and other statutory charges.
DISCOUNTS:
All discounts are applied before government charges, taxes, levies and fees,
including instalment processing fees (as applicable). The full extent of all
discounts may therefore be impacted. We reserve the right to change the discount
offers at any time.
* Online discount of 15% applies to the first year's premium paid for a new ING
Pet Insurance policy purchased online for approved applicants only. Online
discounts do not apply to any renewal offer of insurance