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$50 Each for New Orange Everyday Account Holder and Referrer @ ING


This is a slightly different deal to the previously posted last month - ING customers are receiving emails today. This new deal doesn’t require you to open a savings maximiser account. Instructions as follows:

What your friends need to do by 31 March 2021

  1. Go to ing.com.au/everyday, open a new Orange Everyday and enter ######* (*not an actual code obviously use the PM referrals) in the promo box at the end of the online form - this part's really important otherwise neither of you will get your reward!

  2. Deposit $1,000+ (such as their pay) from an external account into their new Orange Everyday account within any calendar month.

  3. Make 5+ settled (not pending) purchases using their new Orange Everyday card within any calendar month.

Once a friend completes the required steps, you'll both receive your reward. But tell them to be quick - they've only got until 31 March 2021 to complete all steps!

Use referral system below only.

You will need to enable yourself to receive PMs for this offer - if you need a code it will start a random PM with someone who is offering to refer you.

If you have previously opened an Orange Everyday account at any point since 1 July 2014 (even if the account has now been closed), then you are ineligible for this offer.

Referral Links

Referral: random (675)

Until 30/6/2024, referrer and referee will each receive $75/$100/$125 for opening new Orange Everyday & Saving Maximiser Accounts.

Referrer: Do not participate in the referral system if you do not have a current $75/$100/$125 referral code.

Referee: To qualify, you are required to deposit a minimum $1,000 and make at least 5 (settled) card transactions within any calendar month.

Related Stores


closed Comments

  • +5

    The fine print:

    ING Refer a Friend Offer
    This offer is available for a limited time only and is not applicable in conjunction with any other promotional offer unless expressly indicated. ING reserves the right to extend or withdraw this offer at any time at its sole discretion. If withdrawn, ING will honour the offer in respect of all Orange Everyday accounts opened using the correct promotional code before the offer is withdrawn, provided that applicants satisfy the Eligibility Criteria below. The offer applies in respect of the original recipient of this email only.

    (a) Reward Eligibility Criteria:

    The referrer can receive $50 and a friend can receive $50 (each 'Reward') when the friend:
    Opens an Orange Everyday bank account between 01 February 2021 and 31 March 2021, and enters your unique promotional code at the time of account opening (new Orange Everyday customers only). Invalid or incomplete codes will not be fulfilled;
    Deposits $1,000 or more within a calendar month from an external account (another bank) into their new Orange Everyday account by 31 March 2021; and
    Uses their new Orange Everyday card to make 5+ settled (not pending) card purchases within any calendar month between 01 February 2021 and 31 March 2021 (excluding ATM withdrawals, balance enquiries and EFTPOS cash out only transactions),

    collectively the 'Eligibility Criteria'.

    If your friend has opened an Orange Everyday account at any point since 1 July 2014 (even if the account has now been closed), then both you and your friend are ineligible for this offer.

    A calendar month is one of the 12 named months that a year is commonly divided into (eg. February, March).

    Card purchases includes in store purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on the card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month (eg. Feb 2021) which are at a 'pending status' and do not settle until the next calendar month (eg. Mar 2021) count towards card purchases in that next calendar month (eg. Mar 2021).

    Any reference to 'Orange Everyday' in this offer refers to our Orange Everyday (and does not refer to the Orange Everyday Youth for those aged under 18).

    If you use this offer in a manner that is not satisfactory to us or in line with the intent of the offer (such as sharing your referral code on the 'OzBargain' website or other similar websites, or advertising or marketing your referral code), we may refuse to pay the cash reward (including in respect of any or all referrals made in relation to the offer). This includes conduct on your part which is designed to undermine the fair and intended operation of the offer.

    (b) Reward Payment Terms:

    The referrer can receive $50 each time a friend satisfies the Eligibility Criteria set out above. So, for example, if 2 of your friends each satisfies the Eligibility Criteria, you can receive $100 into your Orange Everyday account. The friend can receive at most only one $50 payment under the offer (this includes any payment made to an account jointly held by your friend). For privacy reasons, ING will not tell you which friend met the Eligibility Criteria.

    Where eligible, the Reward will be deposited into both you and your friend's Orange Everyday accounts by the end of the calendar month after the friend meets all applicable Eligibility Criteria. Where you or your friend have more than one Orange Everyday account, the Reward will be deposited in to the Orange Everyday account with the highest balance as at the date the reward is paid. This could be an account held jointly with another account holder.

    ING is Australia’s most recommended bank according to RFi XPRT Survey, June – November 20 (n = 31,509) 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, June – November 2020 (n=31,509). MFI is defined as the bank that the consumer says is their main financial institution.

    • +14

      You could have at least bolded the part where they specifically mention OzBargain!

  • +2

    I never get the email for referrals am I doing something wrong?

    • yeah never got any emails from them, maybe targeted?

    • Same here would love to know if something I'm doing wrong

  • +25

    Maybe if ING didn't ruin their product they wouldn't need to offer $50 to attract new customers

    • +1

      Yeah what rubbish that is. The Barefoot Investor wrote about it this week. I’m very unimpressed but I’m still happy to get $50 and their banking app is very user friendly.

      • Any alternatives where I get ATM fees refunded?

        • +4


          • +1

            @His_Holiness: What’s the Macquarie app like?

            • +1

              @MrsJones: Great

            • +6


              What’s the Macquarie app like?

              Better than ING by leaps and bounds.

              IMHO, this is currently the best banking app in Australia by a wide margin (even when taking into account Up & 86400).

              Here's why:

              • +2

                @ginmi: That's amazing! I'm very impressed

                • +2

                  @itsfree: This video is from 2016. The tech has only improved since then but back in 2016 it looked almost like science fiction

              • @ginmi: What about the iPhone app? Does it have all that functionality?

                • +1

                  @MrsJones: No difference whatsoever in functionality between the desktop & mobile apps from what I can tell

              • +12

                @ginmi: I literally refinanced last week from ING to Macquarie and moved everything across to them. I'd been an ING customer since they first started in Australia but they lost me with the changes over the years:
                1. 5% cash back to 2% to 0
                2. No fee super, then started charging fees
                3. Never matched reserve bank rate cut, happily matched increases
                4. Savings rate criteria kept changing
                5. Declined my credit card application (I held over 300k in my offset)

                I'm sure there's more that I can't think of now

                • +1

                  @neilpatrickharris: Well I just learned I've been paying monthly fees since 2017.
                  I've even been telling people ING has no-fee Super :(

                  • @So Was Red: Rip… I moved two months after to my corporate super and tailored my investment, I pay fees but it's so so much better than ING's crappy super. Have been getting 16.5% pa over the last 3 years.

                    • @neilpatrickharris: What superfund are you using?

                      • @OzyBe: It's under AMP Signature super (corporate plan) - I have a choice of 50+ investment options.

                        I don't use the typical investment options like conservative, balanced, growth, high growth.

                        Instead, it's invested in mainly small companies.

              • @ginmi: That's pretty cool. Do they let you import data in from other sources? I have quite a few years of reasonably complete data that I'd be interested in pumping into that, but I'm unlikely to actually spend through a transaction account of theirs (and I haven't seen any interesting credit card offers).

              • +3

                @ginmi: Macquarie is fantastic. My only gripe is they don't support Osko (so a lot of banks can't utilise PayID into a Macquarie account - eg CBA to Macquarie is ok. Suncorp/Up to Macquarie wont work via PayID).

                • @dantione: I don't have any issues anymore receiving or sending payments via PayID (a.k.a OSKO) with Macquarie.

                  I believe any limitations they had around that have been lifted in late 2020


                  The only limitation they have still is that you can only use a mobile number as your payID. They don't support email address, ABNs etc

              • @ginmi: The comments on that video are really odd.

          • +5

            @His_Holiness: Macquarie also have discounted gift cards once you have an account

  • +1

    Got the email! The refferel code is 6 characters.

    If you use the RANDOM refferel option via this post, make sure you get them to also send you a screen shot of their email with their code displayed. There have been cases in the past where people were given bogus refferel codes that went no where.

    Looking for ideas on how to spend the least amount for your 5 transcations? Go to Coles- there's a bunch of Australia Day branded merch that's on sale (pens / flags) for 5 and 10 cents. Buy them each seperately. Bam~ you just hit your min 5 transactions for 50 cents total. Your bonus will arrive at the end of the following month

    • +2

      Or just go to Woolies, buy what you need, then split the transaction 5 times at 1¢ each. Pay the balance with gift cards if required. (Works in self serve).

      • Much better idea ! I like it ! But I am paranoid they will consider it one transaction as they try and weasel their way out of paying you

        • I do this, or sometimes multiple beem it transactions with a payid transfer back again, to hit the 5/month transactions and it's always fine.

        • +1

          They show on the app when you have your 5 transactions valided.
          It's in the "Interest" tab on the Savings Maximizer page.

        • I use this to get my bonus interest with Westpac.

      • +1

        I also do 1c X 5 transactions at Woolies. It always works.

      • +1

        I've been doing this on every first Sat each month…lol

    • I set up andriod pay with this card on my phone, and pay for my occasional coffees with it.

  • Didnt get the email last time but i got it this time!

  • +7

    ING can get bent. (profanity) bank.

  • +4

    "If you have previously opened an Orange Everyday account at any point since 1 July 2014 (even if the account has now been closed), then you are ineligible for this offer."

    LOL that exclude most people here.

    • +1

      Still better than Westpac. If you previously had a Westpac transaction account at any point in your life, you’re ineligible for their $50 bonus offer.

    • This needs to be highlighted and bolded at the front of the deal

  • No email, but I did get a pop-up on when logging into ING that there's a problem with my email address.
    It's a gmail account with no issues, receiving emails even from ING jut fine, most recent being 3 weeks ago.
    Probably because I've successfully referred 3 or 4 people in the past.

  • +6

    An odd deal considering I was a customer, and their service went downhill. I was on the phone to customer support and said I’m not happy and I may just change banks, the guy on the phone said that’s your choice and he can help me close the account over the phone.

    Couldn’t be bother to convince me, they simply didn’t care.

    Now they’re paying $50 to get a new customer considering they couldn’t care if you left.

    • +4

      Eh, to be honest I prefer that. Hate reps that waste my time by being pushy and trying to convince me to stay, when I already know for a fact I want to leave.

      • Touché, and I would have left anyway but it was the fact customer service reps had this couldn’t care attitude, and now customers are leaving and they are having to literally pay people to be their customers again.

        That is what happens when you become too comfortable, they were small, they became moderate size stopped caring and their back at square one.

        Sucked in and you’re never getting my business, or my family, or my family’s family’s business ever again.

  • +5

    Ditch these clowns

  • +2

    Thanks for the reminder for me to switch banks after 10 years. ING's grow your balance criteria was the last straw. For the same I think Westpac is offering 3% for balances up to 30k - anyone else planning to switch and which banks are you looking at?

    • +2

      For 18-29 year olds. Good if you fit the criteria.

  • +1

    Shouldnt this post be targeted as ive not received any mail from ing?

  • +1

    After the $50 from Bank of Melbourne and $100 from HSBC, I guess I'm doing this offer. Free money is good!

  • +1

    i never get these emails

    • I've gotten it before, but didn't this time. Just happens to be the time I come up in the random referral too. No bonus for me. Thanks ING :-)

  • +1

    Where do I get the refer code to give to a friend ? I can't find it on the site or in the app.

    • I think the refer promotion is targeted. I received the promotion email with refer code last year, but I am not targeted in 2021.

  • +1

    Looks like there's another promotion, $50, expires 30 April 2021

  • Just received an email today from ING with another round of referral bonus offer - anyone else received the same?

    • +1


    • yes, expiring 30 April

    • Also got one

  • Also, finally got the email today after not receiving it all the other previous times

  • I've just got the email for this. Guess it's on again.

  • Same just got the email and expires 30th April

    • same here.

  • Only got the email the other day and expires end of April 2021

    Finally, i got a referral code

  • I also got the email for referral code after opening up an account a month ago. Still waiting for my $50 though.

  • I got the email with my referral code

  • I received my referral email too from ING!

  • I received a referral email 😊

    It expires on April 30th!

  • -2

    I have received the referral email today. It says "….you could bank a $50 reward - each!"

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