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Renew ING 5% Wave & Save Rebate / Auto Reverts to 2% with $2k+ Deposit a Month after 6 Months

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Renew ING 5% Wave & Save Rebate / Auto Reverts to 2% with $2k+ Deposit a Month after 6 Months
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muncan on 22/06/2013 - 07:51 ingdirect.com.au (4546 clicks)
Last edited 04/07/2013 - 09:14 by 2 other users

Note: there is no official confirmation yet that closing and reopening your account will reinstate your 5% wave & save rebate for another 6 months, this will become clear after July 1 when the original promotional period has ended.

Update 3 July 2013: From comments, users have reported that reopening their accounts reinstated the 5% wave & save rebate.

For those of us worried about our beloved 5% discounts coming to an end at 30 June (under the original promotion) - fear not! I'm happy to confirm… closing your account and signing up again will get you 6 more months of 5% discounts for all paywave purchases under $100.

Here's what I did:

  • Transfer existing funds out of ING & wait to clear
  • Ring ING on 133464 to close account
  • Next day: sign up again online, transfer some funds

I confirmed the 5% discounts on my new card, though it took 2 days for my transactions (and discounts) to appear in my transaction list.

Also, I got a call from a customer services officer… thankfully just to welcome me and explain how to use the card. She told me some un-promoted information:

  • After 6 months, the 5% discount will drop to 2%, providing you deposit at least $2k per month (eg. salary) … yeah, there's no need to do this for the current 5% discount
  • There is no end date (at this time) to sign up to receive 6 months of 5% discount
  • ING has a target goal of 30,000 cards for the promotion - so that's when this deal might end. How many OzBargainers we got, Scotty?

Also worthy of note is that when you close your account you'll receive an email advising that you can continue to log in to your closed account to see your statements for 2 years.

And of course, in December if the 5% promotion is still being advertised… then I suggest you close your account(s) & sign up again!

Happy spendings.

TL;DR:

  • close account
  • open new account
  • done

(thanks illumination)

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closed Comments

    • PissLUR on 26/06/2013 - 13:24
      +1

      did you use a new or existing client code?

      • Syke123 on 26/06/2013 - 13:31

        existing, as i did not want to go to the post office to submit the POI
        and it was very easy with an existing client code
        good luck to everyone else

        • aec on 26/06/2013 - 15:52
          +2

          so you know the reason.

    • spendinghacker on 26/06/2013 - 18:19

      None of us can know for sure with regards to this 'hack'.

      We will all have to wait patiently till after July 1 for reports from OP and others as they test this strategy.

      Then (and only then) we will know :)

  • Risser on 26/06/2013 - 17:42

    I hear that you can break a grocery bill or rates bill into lots of 100 to get the 5% discount. How well do you think you'd go with say a 5k power bill or something like that? it's good money if the post office is prepared to let you hold the line up while you tap your card 50x times :). $250 bucks for say 10 odd mins of work sounds like a descent effort.

    Here's a questions for your all. What's the biggest bill you've split up and still received the discount?

    • spendinghacker on 26/06/2013 - 18:17

      $450. Done at K-mart self-serve

    • SBOB on 26/06/2013 - 18:33

      Or pay it in daily installments if they dont..assuming you have a post office near by and the travel /wait time doesnt offset the savings

    • PissLUR on 26/06/2013 - 19:07
      +1

      749$ @ jb-hifi

    • jackofspade on 27/06/2013 - 11:04
      +10

      Of course they would say NO. What you have done is basically informed them of the potential loophole.

    • King Tightarse on 28/06/2013 - 00:27
      +1

      You numb nuts.

  • spendinghacker on 27/06/2013 - 12:06
    +1

    The 2K rebate post July 1 is now OFFICIAL. ING also say they've paid more 4.5 MILLION dollars in PayWave rebates between 1 October 2012 and 17 June 2013. I'm assuming a big chunk of that went to OzBargainers…:)

    Here is the email I received today from ING:

    "Presenting an ongoing 2% cash back on payWave purchases under $100 from 1 July 2013.

    If you want in, simply deposit $2,000 or more (from any external bank account) into your ING DIRECT personal accounts (excluding Living Super) each month.

    Perhaps pop your salary in. Just give your payroll people our BSB: 923-100 and your ING DIRECT Account Number.

    The Wave and Save payWave Rebate (“payWave Rebate”), currently 2% is applicable for existing Orange Everyday customers (including joint account holders) who are not enjoying the 5% Wave & Save 6 month rebate (“Eligible Customers”).

    The payWave Rebate will apply for the next calendar month when Eligible Customers deposit at least $2,000 from an external bank account to any of their Personal ING DIRECT accounts (excluding Living Super) before the last day of the preceding calendar month (“Eligible Period”). Any deposits that are from an ING DIRECT account in your name or joint name (i.e. internal transfers) or to a Business account will not be counted.

    The payWave Rebate applies on all contactless purchases made in Australia by Eligible Customers during the Eligible Period on purchase amounts of up to and including AUD $99.99. The payWave Rebate will be made into the Orange Everyday account immediately after transaction settlement.

    The payWave Rebate is subject to change and is intended to be used for everyday purchases only. Should you use the payWave Rebate in a manner that is not satisfactory or in line with the intent of the offer, we may place a stop or freeze on your account or remove the account from the rebate.

    Each time you use your Orange Everyday Visa Debit Card and withdraw $200 or more from an ATM in Australia, or hold a home loan with ING DIRECT, we'll reimburse the ATM owner fee."

    • Cluster on 27/06/2013 - 23:31

      Hmm, I have yet to receive this email. Also checked my Inbox on ING Direct. Nothing. Do you know if the $2k deposit feature will work if you put $2k in and withdraw it a day later? UBank pays 4.66% while ING Savings Maximiser only does 3% on an ongoing basis.

      • spendinghacker on 28/06/2013 - 14:53

        SHOULD work!

        The email said that you need to deposit 2K a month. I don't see anything there saying that the money should STAY there :-)

        So yea, deposit 2K and get it out the next day. I agree with you that the Savings Maximiser rates are crap.
        ING Direct used to offer the highest rates on savings in this country. However, that is long long gone…(3-4 years at least)

  • illumination on 27/06/2013 - 12:19

    So now that the ongoing 2% off is official.. what about closing your account for 6 months and then re-opening it? Did anyone get that confirmed by an official rep? Obviously (as above) rep will say no if you're trying to exploit a loophole, but was anyone actually told by ING about a 6 month cooling off period?

    • uccoffee on 27/06/2013 - 14:07

      i asked last time they said 12 months … i think depends on the staff.

  • sakinah on 27/06/2013 - 15:41

    so basically i close my account and open new account and say im not an existing ING customer

  • Darkpulsar on 27/06/2013 - 22:58

    Can you just transfer the money between your savings maxmiser and everyday account to make up $2k/month?

    • Cluster on 28/06/2013 - 00:18

      From my reading of the above text it must not be an ING account in your name. Eg. transferring money from Savings Maximiser doesn't count.

    • spendinghacker on 28/06/2013 - 15:02
      +2

      Would not work. It must be money coming from OUTSIDE ING.

      Also, keep in mind that the 2K does NOT have to go specifically to the Orange Everyday account. It can also go to a Savings Maximiser account you hold with them and you would still qualify for the promo.

      "The payWave Rebate will apply for the next calendar month when Eligible Customers deposit at least $2,000 from an external bank account to any of their Personal ING DIRECT accounts (excluding Living Super) before the last day of the preceding calendar month (“Eligible Period”)"

      This is probably the preferable way to go because Orange Everyday does not pay interest at all and the need to shuffle external money means you will be losing some interest. Putting the money in the Savings Maximiser instead of the Orange Everyday will minimise that loss of Interest income.
      Savings Maximiser accounts support direct credit so you can have the 2K deposited directly into them and without needing to go through the linked account.

      For those that don't currently have a Savings Maximiser, it's a good idea to open one because ING Direct now pays 4.75% in the first 4 months on new Savings Maximiser accounts. This is the highest rate currently available on at-call cash savings in Australia and is equivalent to the rate ME Bank offers to those that were able to secure its promotional savings rate earlier this year.
      http://www.ingdirect.com.au/interestrates.htm

  • hamza23 on 28/06/2013 - 11:23
    +1

    Great news, you've pocketed over $200 as part of the Orange Everyday Wave & Save 5% cash back offer.
    While the current offer ends on 30 June 2013, we're keeping the good times rolling due in no small part to your feedback.

    ING DIRECT Cash Back
    Presenting 2% cash back on every day payWave purchases under $100 from 1 July 2013.
    If you want in, simply deposit $2,000 or more (from any external bank account) into your ING DIRECT personal accounts each month.

  • uccoffee on 28/06/2013 - 15:48

    any one knows are they any news agency / golden casket in brisbane that still take paywave?
    I found one at inala 10 weeks ago , but they have changed their terminal and wont take paywave anymore (and no more surcharge)

    • VlVh on 29/06/2013 - 02:29

      Every 7-11 that I've been to in Brisbane has taken paywave.

      • uccoffee on 29/06/2013 - 13:28
        -1

        7-11 doesnt not sell lotto :(

  • joannatan on 30/06/2013 - 12:29

    try to call the account, being told by the csr, i wont be eligible to get the 5% discount if i re apply a new orange account

    • mily on 01/07/2013 - 10:15

      Really? I am going to close my account as OP said, seems worth to wait a lit longer and check the feedbacks after 1/Jul.

  • pepsicles on 30/06/2013 - 14:06

    If I open a joint account, will i get the 5% rebate even though I already have an everyday orange account for myself?

    • t25 on 01/07/2013 - 22:57

      hope so. i opened a joint account with the old man so hopefully two cards, and 5% off for paypass.

  • vikme on 30/06/2013 - 20:04
    +3

    Its a sad day today. Got so addicted to the 5%.

    • muncan on 30/06/2013 - 20:36
      +1

      http://youtu.be/3DgGsq6c-ec

      Meanwhile, stay tuned for the 1 July update… probably on July 3

    • Cluster on 01/07/2013 - 16:36

      Shopping for groceries and fuel won't be the same again. Now when I look at the shelf price I know I'm paying 5% too much.

  • tooblue on 01/07/2013 - 16:08

    Any updates?

    • Cluster on 01/07/2013 - 16:38

      Nothing in my inbox from ING regarding the new offer. I won't be using my card this month anyway and will only deposit $2k in before the end of the month. If the 2% offer is live it won't kick in until August anyway.

      • hamza23 on 01/07/2013 - 18:55
        +1

        The 2% off starts as of today July the 1st.

        I spoke to them and they confirmed that everyone will receive the 2% in July, regardless of last months deposit amount. To continue receiving the 2% in August and onwards, you will need to deposit at least $2,000 in the previous calendar month.

    • muncan on 01/07/2013 - 18:05

      Made a paywave transaction this morning (1 July), and it has appeared in my list of card authorisations as being made on 30 June! It takes a couple of days for transactions to be processed (with 5% rebate) so please be patient all…..

  • jasonwlh314 on 01/07/2013 - 17:18

    How long does it take to finish the three steps?
    Can you close the account today, and sign up a new one tomorrow? You need to wait for your approval of the new account, and the delivery of your new card, right? 2 weeks?

    • muncan on 01/07/2013 - 18:08

      You might get your new card by Friday if you close tonight and reopen tomorrow. Depends on how busy ING & Australia Post are.

      • sintro on 01/07/2013 - 18:20

        Do you sign up as a new customer or just as existing customer?

        • daver on 01/07/2013 - 20:42
          +1

          Here is technique some followed in June,

          • Transfer existing funds out of ING & wait to clear
          • Ring ING on 133464 to close account
          • Next day: sign up again online, transfer some funds

          That 5 percent then continued; on a same name new account, while we await for [July] proof. As given in muncan's opening post.

        • PissLUR on 01/07/2013 - 21:23

          dont have to wait for clearances. as soon as you have zeroed your account, you can safely close it ;)

        • salehiam on 02/07/2013 - 00:05

          When you say close, you mean closing all the accounts with them or only orange everyday account ? I've my super with them, can't close the whole account.

        • daver on 02/07/2013 - 00:15

          You wouldn't close accounts, going by the elaborated website.

          :
          Right now, we're giving all (*)new Orange Everyday customers 5% cash back on contactless purchases under $100 for 6 months from account opening. *new orange_everyday; categorically.

          I shall discover tomorrow would the (renewed)OE rebate discount fall to $2.00, to $0 by August, or not ( $5 _6mths). Fingers crossed.

  • hamza23 on 01/07/2013 - 18:57

    Just to confirm:

    The 2% off starts as of today July the 1st.

    I spoke to them and they confirmed that everyone will receive the 2% in July, regardless of last months deposit amount. To continue receiving the 2% in August and onwards, you will need to deposit at least $2,000 in the previous calendar month.

    I did a heap of paywave transactions today, so I will expect to see the 2% tomorrow hopefully when it goes through.

  • PissLUR on 01/07/2013 - 21:22

    ok. first attempt failed.

    signed up using an existing customer id. the letter says your 2nd orange account.

    so now, will have to wait for a few more days for my other orange account( made using new customer id ).
    still it was easy verification. used passport and medicare :D:D

    • spendinghacker on 03/07/2013 - 11:58

      Few questions:

      1. Did you CLOSE the old account before opening the new one?

      2. If yes to 1, how long did you wait before opening the new one?

      3. Are both old and new accounts in the same names and if the old one was a joint account, is the new one also a joint account?

      • PissLUR on 03/07/2013 - 12:14
        1. yes.
        2. 30 minutes. the new account has a new account number.
        3. same account name.
      • jasonwlh314 on 03/07/2013 - 20:38

        I closed my existing account, and got a new account with a new customer id. When I was told the application was approved, I tried to log in, but failed. I was told to call to resolve the problem. I will wait for a few days to see what will happen.

    • PissLUR on 03/07/2013 - 21:45
      +1

      ok. got my "new" orange card today. It was in a "full" package with the 5% cashback for the first 6 month since account opening brochure.

      I am pretty sure that I will be getting the 5% cashback.

      so the tip is working. just remember that you will need to open the account, choosing that you are not an ing customer.(even if you have super annuation account with them).

      Their system fails to check multiple accounts by the same individuals.

      • spendinghacker on 04/07/2013 - 13:10

        Caution: Ozbargain PROFESSIONAL at work!! (-:

  • simonsydney on 01/07/2013 - 21:52
    +1

    Instead of closing and re-opening your account, an easier option might be to ask a favour of a family member(or someone you trust/who trusts you). As the account doesn't pay interest, there are no tax implications of someone opening an account on your behalf (in their name). We've just done this with my mother-in-law and once the a/c is open we will setup a periodic transfer of $ so we can use the card.

  • muncan on 02/07/2013 - 08:03
    +2

    Checked my new account - transactions I made on 30 June show a processed date of 1 July in the mobile app, and the same transactions show a processed date of 2 July via the website - something's messed up there! Both have the 5% rebate. Still waiting for the transactions I made on 1 July to clear… hold your horses folks.

  • cooni on 02/07/2013 - 08:40
    +2

    Sunday's (30 June) purchase cleared today with 2% rebate :(
    You're dead to me, ING.

    • [Deactivated] on 02/07/2013 - 10:05

      Same here from fri night and Sunday- both have 2 July as date (how could I have made them already) and only 2%. Have received no correspondence re 2%.

    • SBOB on 02/07/2013 - 10:48
      +3

      as opposed to the 0% rebate from elsewhere? ;)

      • cooni on 02/07/2013 - 15:51
        +1

        DEAD TO MEEEEEEEEEEEE

    • lusicul on 02/07/2013 - 16:12
      +1

      Had the same problem. Spent $300 on 30 June and only got 2% rebate. Called their call centre, first staff was rude and unhelpful. She even told me that the T&C says takes 3 days to process purchases and because mine was processed today I don't qualify for 5%.

      I then checked the T&C and couldn't find anywhere that says 3 days etc, called back and spoke to a different staff. He credited me the 3% difference right away.

  • spendinghacker on 02/07/2013 - 09:55
    +1

    I can now 'officially' confirm that the 5% rebate for existing customers has ENDED. Pay&Wave rebate has been scaled back to 2% (subject to monthly deposit of 2K in 'new money'). So our fears have become a reality.

    OP and others who have implemented the 'Muncan Hack', can you please confirm:

    1. Continuation of the FIVE % rebate has been successfully secured; and

    2. When opening the new OE account, did you sign-up as a BRAND NEW ING customer (with a new customer ID) or did you use your existing customer ID.

    Cheers

  • T-man on 02/07/2013 - 10:26

    I got only 2% cachback, will close my account today.

  • Cluster on 02/07/2013 - 10:35
    +1

    Made a purchase Sunday night (30 June) and received the PayWave refund today. 2% instead of 5%. At least ING is continuing the offer (I never received any email/notification from them personally, strange). The 2% offer is better than nothing, and certainly better than my NAB credit card that offers 0.5% cashback with a $40 annual fee.

  • prince22 on 02/07/2013 - 11:12
    +1

    They can not give 2% cashback for purchases made on 29 & 30 June as the offer clearly states that 5% rebate applies to all contactless purchases made in Australia by Eligible Customers during the Offer Period.

    The Wave & Save 5% new customer rebate ("Wave & Save 6 Month Rebate") is available for a limited time only from 1 April 2013 for six months from account opening ("Rebate Period") for new ING DIRECT Orange Everyday customers (including joint account holders) ("Eligible Customers"). The Wave & Save 5% rebate offer ("Wave & Save 30th June Rebate") was available from 1 October 2012 to 30 June 2013 ("Offer Period') to all existing Orange Everyday customers (including joint account holders) who requested to update to a Visa payWave card during the Offer Period ("Eligible Customers"). The Wave & Save 6 Month Rebate and Wave & Save 30th June Rebate (together, "Wave & Save Rebates") apply to all contactless purchases made in Australia by Eligible Customers during the Offer Period or Rebate Period (as applicable) on purchase amounts of up to and including AUD $99.99.

    • Cluster on 02/07/2013 - 11:23

      It's probably a quirk of how the Visa/Mastercard system works. The day you make a transaction is only the authorisation. The actual transaction happens up to a few days later. My 30 June purchase is showing up as being made on 2 July. I'll live with missing out on $1.02.

      • yargnairod on 02/07/2013 - 12:16

        same issue with me. I made several purchases on June 30. The ones that were "cleared" the following day got the 5% discount. The ones that went through yesterday only got a 2% discount. I will wait a little longer to see if they do an adjustment (this sometimes happens with ing)

    • Naed on 02/07/2013 - 11:38
      +2

      Agree with this. I'm sure many made use of the last weekend for their purchases; I know I did. I'd love to raise the issue with them but I'm worried they'll remove the 2% cash-back that I did get when they realise I split a $1,095 purchase into 12 transactions :)

      I'll wait and see how others go getting them to honour their own deal first.

      • Cluster on 02/07/2013 - 11:47
        +2

        You split a transaction into 12 slices to get the 5% discount overall? The OzBargain is strong in this one :-)

        • Naed on 02/07/2013 - 11:59
          +1

          :) My receipt was over a metre long. Got some funny looks from the customer service people at Masters - lol.

        • mily on 02/07/2013 - 12:00
          +5

          Yeah, stronger than me. I might split $1,095 into eleven $99, and pay the rest $6 in cash.

          But I did pay $4,300+ tuition fee through 44 separate transactions in the post office early this year, in multiple visits though.

        • Naed on 02/07/2013 - 12:09
          +2

          I'd have been happy to do that but by the end I was fighting muscle memory :)

          I honestly don't know how I'm going to go back to using my non-paywave credit card now. It looks so sad beside my orange beauty. On the few occasions that I did have to use it in the past 6 months I'd wave it at the PayWave machine in the hopes that it'd magically become a PayWave card. Little guy just couldn't do it though.

        • Naed on 02/07/2013 - 12:12
          +2

          $4,300+!!! You got me beat right there. Anyway, fiancée is signing up to ING as we speak, so the gravy train will continue for another 6 months.

          Where did you find a Post Office with PayWave?

        • hamza23 on 02/07/2013 - 12:13

          All my local post offices changed to paywave 3 or 4 months ago. They are both Aus Post and franchise owned ones.

        • delfredo on 02/07/2013 - 13:50

          How many local POs do you have?

        • hamza23 on 02/07/2013 - 14:00

          3 within 1km. Packages always get sent to random ones

        • T-man on 02/07/2013 - 18:24

          Did the querying people murder you?

        • T-man on 02/07/2013 - 18:25

          sorry please delete my dupe comment

    • lusicul on 02/07/2013 - 16:14

      Called them up this morning and got the extra 3% rebate within half an hour.

      • T-man on 02/07/2013 - 18:28

        How could you manage to get the extra 3%?

        • raging on 02/07/2013 - 20:29

          You tell them to give you the 3%, that is how. I managed to get $10 goodwill credit to make up my loss of $9.58.

          The offer clearly states the 30th of June. I said to the CSR if you can't give me the 3%, I would like to make a complaint and close the account ASAP.

        • hamza23 on 02/07/2013 - 20:48

          One of my transactions I did on the 31st got only 2% cashback. I sent them a message about the missing $1.40 and they credited me $2 for the inconvenience.

        • [Deactivated] on 03/07/2013 - 12:48

          Yes same here, got the 3% credited.

  • KnifeEnthusiastBoi on 02/07/2013 - 15:58

    so whats the verdict? did anyone sign up for a new account on july 1st and get the 5%?

    • muncan on 02/07/2013 - 16:01
      +1

      I said hold ya horses! We're waiting for payments made on 1 July to clear so we can confirm.

      • spendinghacker on 02/07/2013 - 16:16

        Muncan, did you sign up with a NEW CLIENT ID when you hacked it or did you use the existing one you already have?

        Please advise. Cheers mate.

        • muncan on 02/07/2013 - 17:39

          I picked 'No' to the first question Are you already an ING DIRECT customer? - as I had previously closed my account (by 1 day) thus by my logic I was no longer an ING Direct customer.

        • yhan2000 on 02/07/2013 - 17:54
          +1

          I don't think you can remove yourself as a "customer" from ING, but you only closed your account. I believe you can still login use your old customer ID, and you won't see any accounts link to that. So you are still an existing customer with ING.

        • sintro on 02/07/2013 - 18:20

          I actually closed one of my OE account and opened a new OE account after logging in.

          If I don't get 5% rebate on my new OE account, I'm just going to have to close both of my savings maximser and both OE and start again!

          And see how that works out!

        • muncan on 02/07/2013 - 19:32

          I actually closed one of my OE account and opened a new OE account after logging in.

          That didn't work for PissLUR

        • sintro on 02/07/2013 - 21:24

          doh! time to cancel it ;p

  • sraymond on 02/07/2013 - 19:21

    They were quick to cut the rate back. Even though I made purchases on the 30th, because they were processed today, I only got the 2%.

    • prince22 on 02/07/2013 - 20:47

      You can send them a message or call them. It will be fixed.

  • sraymond on 02/07/2013 - 21:49

    Might give it a go when the last couple go through.

  • ozyack on 03/07/2013 - 00:42

    I also started getting my 2% discount for my purchase from 30 June as it was only cleared yesterday. But I won't bother calling them for 30 cents difference :)
    If cancelling and reopening an account won't give the 5% and we will have to suffice with 2%, I am sure we can by-pass the monthly $2000 deposit benchmark by transferring money back and forth from our savings to everyday orange accounts to the total of $2000 a month and get that discount. I have a Westpac everyday account which charges $5 a month unless $2000 deposit is made and this is exactly how I avoid paying it. Funny enough the advice was given at the bank by the Westpac representative herself! :)

    • t25 on 03/07/2013 - 10:10

      i got the full 5% on purchases on 30/6. transaction was processed on 1/7

    • tanoshiiki on 03/07/2013 - 15:20
      +1

      I was just on the phone to get my 3% back for a transaction that I made before the end of the month, but didn't clear until in July. The phone call was relatively quick and it sounds like staff have been instructed to provide the credit "as goodwill".

      They mentioned that the $2000 needs to be deposited into any of your ING accounts (including Savings Maximiser, but not super) and the balance doesn't have to increase.

  • cooni on 03/07/2013 - 09:47

    Closed account yesterday.
    Just signed up now online. I've been issued a new Client Number so here's hoping.

  • sraymond on 03/07/2013 - 09:56
    +1

    I rang about the 2% being applied to purchases made before the 30th that only got 2%. I was told the rate given is that which is current at the time of processing, not purchasing.

    • user27 on 03/07/2013 - 13:40

      I reminded them about the terms and conditions over secure message and they gave me a rounded up credit :)

      • vikme on 03/07/2013 - 14:59

        Even i might have to call them for the same reason.
        What is "Terms and condition over secure message"?

        • tanoshiiki on 03/07/2013 - 15:30
          +1

          I think they refer to 'secure message' feature available on the online interface.

        • user27 on 03/07/2013 - 15:52
          +1

          yeah just log in to your ING account and there is an option for you to send ING a message directly. Terms and conditions - that the offer ends 30 June 2013.

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