expired ING: Bonus $75 When You Open an Orange Everyday Bank Account (Deposit $1,000 + Make 5 Transactions)

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BONUS75

Howdy all,

I recently opened up my first ING account, disappointed that their referral promo had ended I found this offer which was still valid.

Steps are very clear on the website;

  1. Open an Orange Everyday bank account via the website and enter your $75 promotional code where prompted.
  2. Deposit your pay of $1,000+ within a calendar month into your new Orange Everyday by 31 May 2018.
  3. Use your Orange Everyday card to make 5+ purchases within a calendar month (excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transactions) before 31 May 2018.

If you have previously held an Orange Everyday bank account since 1 July 2014, then you are ineligible for this offer

Enjoy

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closed Comments

  •  

    Nice, free $75 here I come!

  • +8 votes

    ING is great. No fees and it has apple pay support.

    • +3 votes

      …and Android Pay friend :)

    • +5 votes

      You have to make 5 transactions to enable the "no fee any atm" transactions. Not really good when you have a cc for purchases.

      •  

        This is only required for free atm withdrawals. All other transactions are free regardless of deposits/spending. There is also no monthly fee regardless of deposits/spending.

    • +6 votes

      No fees? Hsbc is also no fees and other banks have other interest rate without all these obstacles like ING.

  •  

    Limited to 10,000 people. Maybe 9,999 have already got it?

  •  

    Is everything done online or need go to branch?

    •  

      All online, super easy.

      •  

        Are they sending you any paper mail (like new account brochure, promotions, etc.) or card after opening an account?

        Had checked their website and haven't found any "non-paper" or "no market mails" options.

        •  

          Don't believe they'll send out marketing paper mail just the debit card for the account.

        •  

          Have only ever received cards in the mail no marketing you will receive email marketing but you can opt out of that.

    •  

      They don't have branches, so you couldn't go to branch even if you wanted to.

    •  

      They have no other branches.

    •  

      If you need to deposit cash you can go into any Australia Post office and deposit it there directly into your account.

      Withdrawals are free from any bank ATM.

      • +1 vote

        It's best to combine with one of the other big banks that have NPP.
        I have NAB + ING, instant transfers between each. Can use the smart ATM's, branches or Australia post to deposit money. No fees, ATM fees refunded.

    •  

      There is one in Sydney on Margaret St.

      •  

        It's not really a branch in the traditional sense, they call it a 'lounge'. They can do customer queries and can do the 100 point ID check, but there's no teller services, so you can't deposit or withdraw cash, cheques etc. or do any of the services you'd normally associate with a bank branch.

    •  

      They primarily an online only bank, However if you need to deposit money you can use Bank@Post at pretty much any Australia Post outlet.

  •  

    I had an ING account and closed it about a year ago, will this work for me?

    • +10 votes

      If you have previously held an Orange Everyday bank account since 1 July 2014, then you are ineligible for this offer

      •  

        This should be in the OP. I imagine there are many OzBargainers with previous ING accounts especially considering the PayWave cash back.

  •  

    So when it says 'deposit pay', does that mean it has to be received as a salary at the bank, or can i just go and deposit $1000 cash?

    • +2 votes

      Sorry, i should read before posting.

      deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One)

  • +1 vote

    Are referrals bonus still available?

  • +16 votes

    The 5+ transaction per month is quite an annoying requirement.

    • -9 votes

      easy way around this.
      goto an ATM in a servo and withdraw 5 times (5 separate transactions).

      This worked fine for me and others i no.

      Cheers

      • +2 votes

        I thought ATM withdrawals won't count towards the spend. But will give it a try.

      •  

        NO. you must purchase something from a store.

      • -2 votes

        Why is my comment here being negged so much??? it works.

        Unless the rules had changed since. Which if they have please provide reference to the t&c and ill remove my comment.

        •  

          Because your comment contradicts the information in the "official information" section of their website. Your comment says to do ATM withdrawals, but their information specifically says "excluding ATM withdrawals". So even if it does work now, it can stop working at any time because their terms and conditions already say ATM transactions are excluded.

          Furthermore there are easy ways to do it that will certainly work because they actually comply with the terms and conditions. It says "Card purchases includes in store credit or EFTPOS purchases", so people could just make five separate single-item purchases at the self-service checkout at the supermarket, for example.

        •  

          I think it did change. It's clearly mentioned in the new terms that it does not count any longer.

    •  

      Does the 5 transaction prepaid month including eftpos? I remember it did last time. So If it is for daily use, should be fine. You can pay for coles and woolworth, Bills……

    • +6 votes

      But 1 item at supermarket & use Split Payment option - pay with 5 touches of card. (I used this with $2 milk on 1/4.) Monthly requirement met.

      • +1 vote

        Yup, I have been doing that in $0.05 blocks at self checkout. And the rest on credit card.

        • +1 vote

          Except for that monthly purchase, I always pay with 5%+ eGift cards.
          I don't spend enough to warrant collecting points for CC purchases.

      •  

        We have two accounts and doing this stuff 10 times a month is a bit hassle. I'd consider BankWest which offers 2.6%.

        • +1 vote

          For that reason, moved a family account from ING over to Ubank USaver Ultra to avoid the hassle as card wasn't being used. Ubank account was set up but inactive, so was easiest.
          (Base rate 1.81%p.a. +1.06% p.a. Standard Ultra Bonus Rate = 2.87%p.a on balances up to $200K)

          Otherwise split payment 10 ways on 2 cards for 1 purchase per month.

        • +5 votes

          @Infidel: me too. This is a dumb idea from an otherwise good bank. Mebank try this on, no way i’m going to do this for more than one bank. Bye ing

        •  

          @Appleboat:
          Some months I am overseas - so no spending possible on card. It's just an inconvenience - so I'll bank elsewhere.

          Considered MeBank (have an account) but same requirement to make purchases on card each month to get good interest rate - forget it.

        •  

          @Infidel: did the same. as much as I hate NAB.

        •  

          Why are you doing 10 purchases a month? Do you have joint accounts?

        •  

          I'm living overseas. I sent 1c 5x via my card through paypal to my father and got the ATM fees rebated. Win win.

        •  

          @davelarz: So you used family/friends on Paypal?

        •  

          I sent my dad 1 c 5 times to meet INGs requirements to get ATM fees rebated.

    •  

      Bought 5 of 2L Soft Drink / Lipton all in separate transaction / invoice. Done

    •  

      Depending on what features you're looking for you may want to take a look at a account from Macquarie. There is a very similar crossover with the offering.

  • +2 votes

    This IS NOT a good account - the minimum transaction requirements are annoying for people who spend on credit card (to get points) and the lack of branches is annoying for the rare moments you need to deposit a cheque, for example. I only have to deposit cheques once in a blue moon, and it’s annoying enough without having to line up at Australia Post to do it and deal with their service.

    I can’t believe I’m writing this, but for an everyday account I’d highly recommend Commonwealth Bank - great app and online banking, lots of innovative features like cardless cash when you need it, can use heaps of ATMs including competitors’, go to any branch that you need to and there are plenty around, and it’s free if you deposit your pay. Much better than the restrictive ING.

    •  

      As opposed to not getting your money because CBA is down?? Hmmm

    • -1 vote

      deposit a cheque aka money launder, well CBA is highly recommended then.. lolz

      • +1 vote

        There are many reasons why someone wants to deposit a cheque (get a refund from another closed bank/service account in credit, for example).

        • +2 votes

          After a metcard machine in Melbourne didn't give me my ticket once, I filled out all the forms and posted them off, and got my $3.something cheque in the mail a few weeks later.

    • +1 vote

      I have both Commbank and ING. Commbank everyday account will charge a $4 account fee if you don't deposit at least $2000.
      This applies to EVERY account that you open. I second that the apps and netbank feature is really neat, which is why I still use this as my main bank account, however I am using ING for other banking needs.

      As long as you meet the requirement of ING (5 transactions, $1000 deposit per month) for the Orange Everyday account, you can use/open up to 8 bank accounts for free. I open diff account for groceries, rent, bills, insurance etc. I also think the ING app is pretty good in comparison, it isn't that much diff from the Commbank App. I have used ING bank debit card during my Japan travel in March, all the ATM fees were refunded. Only downside is the time required for interbank transfer and that is being remedied by PayID. No complaints from me so far.

      To top that off, there was a $100 per referral bonus going on i think about 2 months ago which I racked up about $400.

      •  

        is the $1,000 per month or only one off??

        •  

          Per month. Commbank needs $2000 per month tho as comparison.

        •  

          The account is free regardless. The difference is when you meet the conditions they will refund private ATM fees back to you, anywhere in the world + no currancy conversion fees.
          It's saved me over $300 now and counting just in ATM fees.

          Commbank does not, NAB charges $10 month just to not charge you the conversion fee.

  • +3 votes

    I use a credit card for everything, so the 5 transaction debit requirement is annoying for me. Last month I picked a quiet time at Woolworths and ran through 5x 1c transactions on PayWave at a self serve checkout to satisfy ING. It worked with no complaints from ING.

    •  

      If you also have a credit card with ING, that satisfies the 5 transaction limit as well.

      Haven't touched my debit card in months and am still eligible cause I have Myki auto-top up every 3 days ;)

  • +2 votes

    Free atm fees anywhere in the world, no foreign exchange fees, it doesn’t get much better than that.
    I’ve found mastercard exchange rates to be slightly better than visa so the citibank wins out if there’s no atm fee.

    The 5 time req is pretty easy to satisfy, just part pay a bill 5 times.

  • +1 vote

    Anyone else having trouble signing up when it comes to the Tax Residence page?

    I'm not a citizen/resident of any other country but it's not letting me past that screen unless I put a country other than Australia in?

    •  

      Hello Barnaby!

      •  

        I'm really not!

        I ended up putting Antarctica on that screen and when asked why I can't provide a the TIN, I put "I'm only an Australian citizen/resident and had to put something here to get to the next screen". After that I was about to put in my Australian TFN and the rest of the setup seemed to go through with no issues.

        The account seems open after that and I'm transferring $1000 to it now.

        •  

          That just proves its you, Barnaby😁

          Check ok after account set up!

          Set up account at another bank for relative who is exempt from paying tax, provided proof - but bank incorrectly recorded as TFN not provided. Half the interest went in Tax. Hassle getting it back & no interest paid on thousands of dollars.

        • -1 vote

          @Infidel:

          Thanks for the heads up but I don't plan on using this account to accrue interest. I just want the $75 and probably won't use this card (apart from making the 5 transactions to get the $75 and then will transfer the money out) as I've got a few already and have been happy with Citibank for when traveling overseas.

          That is unless they introduce another paywave cashback scheme, then I'd be all over it.

        • +1 vote

          @c0balt:
          Sound OzBargain financial advice💰
          Citibank debit card - the travellers friend.

        •  

          i was not asked for TFN no at the time of opening the ING everyday account on the ING bank website. Also do you have to apply for ING everyday debit visa card separately through Products & offers after opening an account or does the bank automatically send out the ING debit visa card?

        •  

          @sub7er:
          Long time since I opened account - so can't answer. I'm closing my accounts with ING.

          Should be able to update TFN after account opens.

        •  

          you should call them, quite easy to rectify

    • +1 vote

      I had the same issue, I had to call them to manually do that part.

  •  

    Are there any monthly account keeping fees?

  •  

    Easy $75, cheers

  •  

    Have done referral promo, no chance this time. Sad

  • +1 vote

    I opened an account about 2 weeks ago. What's the chances of getting this as a good will credit?

  •  

    ING taught me that if I ever sold my soul I'd probably be crap at pyramid schemes.

    I couldn't get people that said they desperately needed money to sign up to any of these free money deals.

    I've read conflicting advice about whether this income is taxable. Since it isn't registered as "bank interest", if it is taxable, how do people here go about declaring it (and what is your TFN)?

  •  

    ING normal accounts now have free international transaction fees which is nice, save that 2.5% conversion when buying in USD on aliexpress/amazon US.

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