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ING Tap 5 Times Using Apple Pay and Get $10 Deposited into Your Orange Everyday Account

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Simply tap via Apple Pay from your ING account 5 times before July 31 and get $10 deposited into your account.

Easy as.

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  • +6 votes

    Thanks Albert

  • +6 votes

    Hehe - Thanks Albert.
    This is targeted - I already use Apple Pay with my ING, so no incentive offered to me.
    However, my MRS and daughter do not and were offered the incentive…

    •  

      I feel like there was some sort of incentive for Apple Pay in the past, just can’t quite remember what the reward was.

      •  

        I think there was a $10 google play credit for using Google Pay a year or so ago.

        Edit: Woops, that's not Apple pay…

  • +1 vote

    So, does Apple Pay work with, eg, an:

    • iPad Mini 3

    ?

    PS Does Apple (or anyone else) charge a fee when I use Apple Pay?

    Thanks

    • +2 votes

      Does Apple (or anyone else) charge a fee when I use Apple Pay?

      No, used Apple Pay dozens of times and haven't been charged extra/any fees - it's free to use but you have to pay for whatever you want to buy using your bank account

      • -6 votes

        "Is Apple Pay Cash free?

        1. If you use a debit card, Apple Pay Cash is free.

        2. But if you use a credit card, there's a 3% credit card transaction fee every time you use your card to add to your Apple Pay Cash balance.

        Dec 4, 2017"

        So, maybe it's changed since then OR
        you have only Debit card(s) <= Wise!

        • +1 vote

          Only have a debit card :P

        • +3 votes

          "Apple Pay Cash" is a different thing. We don't need it in Australia, as we can easily transfer money to friends etc using Osko.

          Normal Apple Pay works like a credit card. No fees to consumer, just the merchant.

        • +1 vote

          i don't pay transaction fees from apple, my credit card providers (amex, bankwest, 28 degrees), paypal etc for using apple pay. unless the merchant adds on their own fee.

    •  

      Apple Pay only works on devices with an NFC chip (Apple Watch and iPhone 6 and later). You can use Apple Pay on iPads and Macs but only for supported web payments through Safari which probably won't qualify for this offer.

      Apple does not charge any fees to you but your bank does pay a small fee to Apple which is not passed on, similar to the way Visa and MasterCard charge your bank an interchange fee but you aren't charged it.

      •  

        Apple Pay only works on devices with an NFC chip (Apple Watch and iPhone 6 and later). You can use Apple Pay on iPads and Macs but only for supported web payments through Safari which probably won't qualify for this offer.

        Yes they will their Apple Pay transactions. However, there would be no easy way to make low-value transactions that would make this offer worthwhile unless you could work it into your daily spend.

        You're not going to find an App or Website that let you do 5x1 cent transactions. Something that is easily accomplished in the real world with the self-serve checkout.

        IVI, the best I've found is 5 x $1 donations to charity using the Shout For Good app I've mentioned it here in the past.

        Apple does not charge any fees to you but your bank does pay a small fee to Apple which is not passed on, similar to the way Visa and Mastercard charge your bank an interchange fee but you aren't charged it.

        Yep, Banks are restricted by Apple regarding passing the cost onto the customer.

  • +6 votes

    i use apple pay already to meet their 5x transactions a month requirement.
    just tap for 1c split payments 5 times.

    sure the $10 is nice but i'd rather they didn't drop their savings maximiser interest rate!

    • +5 votes

      If they cut the variable mortgage rates, deposit rates need to be decreased by at least the same % (or more) to being able to fund those loans through deposits.

      Everyone talks about the benefits of the cuts from the borrowers point of view, but in reality, savers have to bear the costs of the lending rate decreases.

      • +1 vote

        exactly. this is what shits me most about the savings rate cuts. be financially responsible and put some money away only to get it eaten away by debt addicts and politicians telling you to spend more to "stimulate the economy." meanwhile, all the attention is on the spittle-flying outrage from borrowers way in over their head because the bank didn't pass on the full rate cut on their mortgage.

        •  

          wasn't that how's bank operate ? Interest rate for Saving 0.1% Home loan 4.1% net profit 4% for doing nothing ? not to mention credit card, car/personal loan…

          •  

            @dlovep: I'll be the first to acknowledge that banks aren't charities. Just find it ludicrous that all these overly mortgaged borrowers seem to think "greedy banks" have to pass the full rate cut with every rate cut, like they're owed a favour

            •  

              @tdw: There is nothing great about banks. I’m using savings platforms in crypto to generate far more interest than a bank will ever give. Currently sitting at around 5% per month compounding month on month. I’d like to see a bank try and match that.

              P.S This is a good incentive. I’m going to turn it on do 5 transactions then disable it.

        •  

          This is why it doesn’t make sense to leave a big chunk of your savings in the bank. The banks extending credit for mortgages increases the money supply and reduces the value of your hard earned cash sitting in the bank, on which you also pay tax. With CPI running slightly lower than the highest savings maximiser interest rates, savers are going backwards. Ironically, when the cash rate hits zero, people would be better off holding physical cash than leaving it in the bank! Could explain why the RBA and the banks have been continuously floating the idea of going completely cashless?

          • +1 vote

            @robredo: Of course if you're fortunate enough to have other options, you'd take those over keeping your money in the bank. Some of us don't have that option

            •  

              @tdw: If I had no other option but to leave money in the bank, I’d probably think about spreading it over multiple banking institutions to make use of the government guarantee on deposits up to 250k for authorised deposit institutions (ADIs). Whether the government can actually afford this for every citizen though is a different story.

    •  

      How did you do the split payment?

    • -2 votes

      They simply passed the rate cuts. Have you been following the news? The RBA has cut interest rates for two months in a row. Not sure what else you expected?

      And why is it so hard to simply use Apple Pay in a regular way to earn the 10 bux? Will you not be making at least 5 purchases over the coming month?

      • +2 votes

        Not speaking for tdw, but a lot of people just use their credit card with FF/velocity points for every transaction. Sure, it's a tiny amount of points for each small transaction but it all adds up so why not?

      •  

        yeah mate, perfectly aware of the news, thanks. just not impressed. is that alright with you?

        where did i say it was "hard" use apple pay? 5x 1cent transactions are easy as if you know how to use a self-serve checkout.
        i don't use my ing account for every day purchases, especially since they dropped the cashback offer awhile ago.

        •  
          1. Interest cuts by the RBA is due to a poorly performing economy, so no need to get your panties in a twist about ING in particular passing these on. You can continue to not be impressed, I don't mind :)

          2. I think 5x1 cent transactions is a cheap and dirty way to get that 10 bux. It goes around what ING is hoping to achieve. Due to hacks like this, next time they'll probably put a minimum transaction limit. Or they won't offer this deal again.

          3. Dazweeja, I get that people use their credit cards for points, I do too - but is it so much to ask to be fair in how you get that 10 bux? It's only 5 transactions.

          4. ING actually forces you to do 5 transactions per month to get the bonus interest, so this is a win/win if you're already an ING member.

          •  

            @Crimzin: LOL I've been doing this 5x 1cent thing for ages and even ING's reps don't give a stuff when I asked them about minimum transaction amounts.
            But I think it's cute you have a hard-on for the banks

    • +2 votes

      You know you can just use BeemIt to ‘send’ money to your partner and it counts as transaction? Been doing it for months!

  •  

    Well it's better than 28 Degrees' Spend $2000 and get $20 back deal.

  •  

    They don't support Google or payments through their own app. I'm still waiting for this.

    •  

      What do you mean, "don't support Google"? I use Google Pay all the time.

      •  

        Yes what do you mean? ING support both Apple Pay and Google Pay on their debit products, however, they do only support Apple Pay on the credit card products.

  •  

    Anything for Google pay?

    •  

      As far as I'm aware Google Pay offers are pretty rare in general especially ones like this that payout with unrestricted cash.

  • +1 vote

    If anyone is wondering when is the $10 being deposited.

    If you meet the Eligibility Criteria, the $10 will be deposited into your Orange Everyday account or Orange Everyday Youth account within 12 business days after you meet all applicable Eligibility Criteria.

  •  

    My 5th tap was on 31 July but looking deeper in to the terms, it won’t count as they didn’t process if fully until 3 Aug :(