This was posted 2 years 3 months 15 days ago, and might be an out-dated deal.

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$100 Each for Referrer & Referee for Opening Orange Everyday + Savings Maximiser Accounts @ ING

1722
$100 Each for Referrer & Referee for Opening Orange Everyday + Savings Maximiser Accounts @ ING
Go to Deal
tlai on 12/01/2022 - 16:40 campaigns.ing.com.au (3666 clicks)
Last edited 07/03/2022 - 16:06 by 2 other users

This is back now boosted to $100

  1. Go to ing.com.au/everyday, open a new Orange Everyday and enter your promo code 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 source into their new Orange Everyday account within any calendar month.

  3. Open a Savings Maximiser (if they don't already have one) and make a deposit into this account.

  4. 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 28 February 2022 to complete all steps!

Eligibility Criteria

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 (380)

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.

Financial Bank Account Savings Account Transaction Account

Related Stores

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closed Comments

  • Moderatorneil on 12/01/2022 - 17:07

    Just use the PM referral system. That's all you need to do. Probably best to send out a few.

    No soliciticing, putting your code, asking for a code, etc. in comments.

    • tlai on 12/01/2022 - 17:14
      +1

      Do we need to flush it as it had 390+ already from the previous campaign?

      • WookieMonster on 12/01/2022 - 17:14

        (Yes, I think it needs to be flushed.)

        • Moderatorneil on 12/01/2022 - 17:42

          It's a PM so no codes to actually flush. If they have a $100 offer then they should reply in kind.

          • tlai on 12/01/2022 - 17:49

            @neil: By flush in this case, would mean a reset of the checkbox.

            I think this part in the referral section still needs to be updated: (which is used in the PM).

            ING
            Your referral link and code should be emailed directly to you from ING. Do not participate in the referral system if you do not have a $50 referral code.

            Thanks

            • Moderatorneil on 12/01/2022 - 17:51

              @tlai: Updated to $100.

  • lufee on 12/01/2022 - 16:42
    +7

    Too bad everyone I know seems to already have ING

    • WookieMonster on 12/01/2022 - 17:07
      +83

      Too bad ING kinda sucks now.

      • They’ve cut back the number of ATM withdrawals rebates each month from unlimited to 5. I know that very few people would utilise that feature at the moment, but this was extremely helpful when I was in NZ and constantly taking cash out of ATMs that wanted to charge me NZ$2 or NZ$5 per withdrawal. I know someone will say “but you could just use your card to pay for items”, but in NZ, I had to use the Visa credit network, and a lot of businesses flat out refused Visa/Mastercard/AMEX card payments (and a lot of the businesses that accepted them would charge a 5% surcharge).

      • On 1 March 2022, they are jacking up the ATM withdrawal fees and international transaction fees from $2.50 and 2.5%, respectively, to $5 and 3%, respectively. I know that you can qualify for fee rebates if you deposit $1000+ each month and have 5+ settled card transactions each month, but remember that you’ll only have the first 5 ATM withdrawal fees waived each month now! If you forget that you no longer have unlimited fee-free ATM withdrawals, too bad (says ING… allegedly).

      • You have to go through a bloody song-and-dance to maintain your 1.30% p/a bonus savings interest rate for the next month. If you’re like me and have major expenses this month that will see your balance in your Savings Maximiser decrease at the end of this month below the balance at the start of this month, tough luck! It’s the reason why I’ve opened up new accounts at 86 400…

      • ING still does not support Samsung Pay. Google Pay does not work on my Samsung phone, as it always returns errors at EFTPOS terminals when I’ve tried using different cards at Woolworths, Coles, Ampol, etc. Being able to use Samsung Pay with ING also would have been a god-send when I was in NZ, as a lot of EFTPOS terminals in NZ still don’t support NFC contactless payments, so Samsung Pay’s MST feature would have been extremely handy.

      • They have ditched the 50c bonus they paid you for cashing out $200 at EFTPOS terminals. I didn’t actually care at all about this feature, but it is a feature that has been taken away. I went to a Westpac ATM at the end of November and noticed on the ground 8x $200 EFTPOS cash withdrawal receipts from Woolworths, with all 8 transactions using an ING Orange Everyday card ending with the same four numbers. I think someone was trying to milk as many 50c bonuses as they could before ING shut off the tap lol.

      • If we cast our minds way back, ING used to offer 2% or 5% cashback on purchased <$100. I know that the Reserve Bank of Australia capping bank interchange fees made continuing to provide cashback on Visa debit cards almost impossible from a financial standpoint, but it’s still a feature that ING has opted to no longer provide.

      • abc on 12/01/2022 - 17:17
        +1

        They brought in a 1% cashback on certain utilities bills last month. Questionable benefit over paying using your cc and getting probably 2% back in reward points. But I agree, a long term bait & switch.

      • poodlfat on 12/01/2022 - 17:20
        +6

        I joined them for their high quality phone service. It has absolutely gone to shit, with 20min wait times the norm now

        • USER DC on 15/01/2022 - 23:46

          So true, they were so quick in answering phone calls, a couple years or so back, now its almost crap. But hey at least its not like CommBank dude where its an average of 2 hrs wait on phone.

          I found Bank QLD was decent too on phones (24/7 too)

        • xseta on 24/01/2022 - 15:55

          I was on hold for an hour trying to close my old joint account D: they used to answer sub 5min or you'd message online and get a call within like 15 during business hours.

      • cookie2 on 12/01/2022 - 17:20
        +3

        Yeah ubank all the way for me now. Plus they've got great cust service when you need them.

        • DoctorCalculon on 12/01/2022 - 21:28

          They have dropped their interest rates since mid last year.

          • cookie2 on 13/01/2022 - 13:50

            @DoctorCalculon: I know. But they don't keep rewarding new customers only and no hoops to jump thru or have to remember. Works for me.

      • CyberMurning on 12/01/2022 - 17:26
        +12

        @WookieMonster

        can you add that ing limit is $1k for osko a day ? that is very low

        • WookieMonster on 12/01/2022 - 17:28
          +7

          Oh god, I forgot about that. I don’t know how I forgot about that though, because that drives me mad all the time.

          • Last Seen on 13/01/2022 - 09:57

            @WookieMonster: Are you considering making a switch?

            It's really bugging me that I can't find a clear, winning alternative. For convenience I'd prefer to avoid separate banks for Transaction and Savings accounts.

            • WookieMonster on 13/01/2022 - 11:57

              @Last Seen: I’ve already opened new accounts with 86 400, and I will start using that as an overflow account.

              I did consider going with MyState over 86 400, but there wasn’t really any clear benefits with using MyState, plus I swear they’re constantly raising and dropping their bonus savings interest rates all the time…

        • CL7 on 13/01/2022 - 08:37
          +2

          This legit drives me insane.

          In my corporate bank account I can osko $50,000 if I want to. And I don't even need to use a PayID - it just detects it from the BSB/Account number.

          The whole palaver with having to setup PayIDs, low limits on dailies makes me think that the banks deliberately crippled the instant transfer functionality at the consumer level.

      • UrMumsOnlyFan on 12/01/2022 - 17:43
        +1

        They have ditched the 50c bonus they paid you for cashing out $200 at EFTPOS terminals.

        It's still in place until 1 March 2022.

        I think someone was trying to milk as many 50c bonuses as they could before ING shut off the tap lol.

        Shame they didn't see my comment about Beem It transfers ;)

        • WookieMonster on 12/01/2022 - 18:21

          It's still in place until 1 March 2022.

          Ah good point. I must have got the 01 December 2021 update to the terms and conditions confused with the actual date the 50c rebate is being axed.

          Shame they didn't see my comment about Beem It transfers

          True, but MyState probably saw your comments and is now no longer counting Beem It as an eligible purchase when determining whether you meet the criteria for 5+ card payments settled each month.

          • UrMumsOnlyFan on 12/01/2022 - 21:28
            +1

            @WookieMonster: I'm not familiar with MyState but I would have thought it would be the same as with ING - transfers of $500.00 and above are treated as credit purchases.

            If they have implemented a system-wide block regardless of the amount then that seems pretty petty for something that isn't a very big deal.

            Whereas ING is actually losing money from the Beem It loophole but haven't closed it yet. (I'm not smashing it but I'm sure some are.)

      • harthagan on 12/01/2022 - 18:12
        +4

        HSBC has a transaction account where you earn 2% rebate on all tap and go purchases under $100

        • WookieMonster on 12/01/2022 - 18:22

          Good point. I was going to mention it in an edit to my rant/comment, but someone responded to it and locked me out!

        • blurn on 12/01/2022 - 18:46
          +1

          HSBC also give $100 bonus to new customers if they deposit $2k+ for 3 consecutive months within 6 months of opening the account.

          https://www.hsbc.com.au/accounts/offers/campaigns/everyday-g…

          • USER DC on 12/01/2022 - 21:48

            @blurn: And can get that multiple times i think as long as didn't held an account in past 6 months

      • RnO on 12/01/2022 - 19:19
        +2

        Yep exactly!!!! the fact that you have to jump through 17 different steps is why I went back to Ubank after many years

      • Donaldhump on 12/01/2022 - 23:28
        +1

        Just transfer everything out last day of month then next day transfer back in.

        Every month increase by $1

        Month 1 have a last day balance of $1, month 2 $2. Might have to sacrifice the first month that’s all.

        Ing has made it fricken hard tho

        • WookieMonster on 12/01/2022 - 23:41

          Yeah, that’s what I plan to do going forward. At least I’ll miss out on bonus interest on the shortest month of the year, so that is some consolation.

      • Tgb on 13/01/2022 - 09:14
        +2

        100% this. ING used to be awesome, not so anymore. They've just gotten greedy which is against everything that they previously seemed to stand for. Its a shame, but the real shame is so many people will stay with them…

        • rektrading on 13/01/2022 - 10:22

          They've just gotten greedy which is against everything that they previously seemed to stand for.

          All legacy banks being greed is what they stand for. They've always been like this for half a millennium.

      • phamid on 13/01/2022 - 10:32
        +1

        To add insult to injury, Visa cards are getting surcharged by the likes of Amazon.

        I switched over to Macquarie a couple years back, been enjoying no ATM fees, international transaction fees and good customer support. There’s a couple of insurance perks available too, as well as concierge services.

        • WookieMonster on 13/01/2022 - 11:53

          In all fairness:

          • Visa credit cards (e.g. the ING Orange One low-rate credit card) are currently being surcharged by Amazon AU.

          • Visa debit cards (e.g. the ING Orange Everyday debit card) are not currently being surcharged by Amazon AU.

  • amsaini15 on 12/01/2022 - 16:49

    Where do you get your promo code to refer or is it Targeted?

    • bboz on 12/01/2022 - 16:52

      yep, seems to be targeted - I received the email also.

  • d003r on 12/01/2022 - 16:50
    +2

    How do we find our referral code?

    • gazzas on 12/01/2022 - 16:51

      It should be emailed directly to you from ING.

  • ShouldIBuyIt on 12/01/2022 - 16:51

    Probably a stupid question but asking anyway.
    Do they do a credit check?

    • ribze1 on 12/01/2022 - 16:52

      On transaction and savings accounts no.

    • gazzas on 12/01/2022 - 16:53

      It's transaction and saving accounts from a bank. I never had my credit checked opening an account like this. So no?

    • tebbybabes on 12/01/2022 - 16:54

      I can't recall if they did anything of the sort when I opened my account a while back, but I imagine the probably not. It's just opening an everyday account + savings account. They're not extending any credit. At least, that's how I understand it.

    • ShouldIBuyIt on 12/01/2022 - 16:56

      Thanks all for being gentle in your replies :-)
      Now I'm a bit confused about the calendar month requirements. Does that mean if you open in January you have to make the deposit and transaction in January? Hence best to open early Feb?

      • OzBaggins on 12/01/2022 - 17:03

        No, it means 5 settled transaction cards within the same month. For example, if you use the card 3 times only in January and 2 times in February then that doesn't satisfy the criteria.

        Settled transaction means it isn't a "pending" transaction, for example you'll notice paywave transactions show as pending for a few days until they clear.

        Do 5 cleared transactions within the same month to satisfy that criteria.

        • ShouldIBuyIt on 12/01/2022 - 17:26

          Cheers, what about the deposit. Is it a monthly thing or one off same month than the 5 transactions or just one off?

          • OzBaggins on 12/01/2022 - 17:27

            @ShouldIBuyIt: Can be any month, but needs to be $1,000 within a month. So do $1k at once, don't do $800 in Jan and $200 in Feb as it won't count.

            • ShouldIBuyIt on 12/01/2022 - 17:33

              @OzBaggins: Oh right. Thanks!
              So could even get away with 2 purchases using Afterpay :-)

        • DoctorCalculon on 13/01/2022 - 00:40

          Would the following count?

          • 5x $1 partial payments on the same transaction at a WW or Coles self-checkout counter

          -OR-

          • 5x $25 Revolut top ups (from home)

          The Revolut trick definitely worked for the Suncorp $60 (3x $20) promotion last year.

          • OzBaggins on 13/01/2022 - 07:20
            -1

            @DoctorCalculon: 5x any visa debit purchase transactions will work, if you only do 5 transactions they need to be the same month.

            If you want to be a pro about it and do the Woolies scenario, upon paying insert card, hit savings and enter pin (as savings will be instant settled transactions compared to paywave which will take a few days to settle). Benefit of this may mean hitting criteria faster = receive bonus $ faster.

            If you think about how often we use our cards and spend money it's really not a hard criteria to hit.

          • UrMumsOnlyFan on 13/01/2022 - 08:28

            @DoctorCalculon:

            5x $1 partial payments on the same transaction at a WW or Coles self-checkout counter

            5 x $0.01 is fine.

            Alternatively, I believe 5 Beem It transfers of $500.00 (or more) should work.

            • DoctorCalculon on 13/01/2022 - 10:32

              @UrMumsOnlyFan:

              Alternatively, I believe 5 Beem It transfers of $500.00 (or more) should work.

              I just read those comments. I guess it kind of answers my question about 5x $25 topups via Revolut.
              ING will probably classify them as cash advance rather than purchase.

            • USER DC on 15/01/2022 - 23:51

              @UrMumsOnlyFan: One can also do Visa Credit Cashout of 5cents (Works at All woolworths, and NAB atms too) for meeting the 5 transactions a month similar to the Revolut money adding via ING Visa Card

    • new2onlineshopping on 13/01/2022 - 05:17
      -5

      No credit check, but proof of vaccination required despite ING not having any branches. 😉

      (To be clear, I am being facetious because I am proudly vaccine-free. Come at me… 😅😂🤣)

      • OzBaggins on 13/01/2022 - 07:40

        Okay, that answers the question no one asked in a bank post lol.

      • DoctorCalculon on 13/01/2022 - 10:37

        I am proudly vaccine-free

        "If there’s one thing out there more contagious than COVID, it’s stupid."

  • avoidfullprice on 12/01/2022 - 16:53
    +10

    Found my answer in the fine print

    Eligibility Criteria'

    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.

    • test8888 on 12/01/2022 - 17:52

      yep was trying too then found these small words.

  • rektrading on 12/01/2022 - 17:05
    +4

    That is a lot of steps. One false move and by either party means zero 🎂.

    • simplerick on 12/01/2022 - 17:10
      +2

      What? Deposit $1000 and make five settled purchases?

  • Dave Bowman on 12/01/2022 - 17:05

    The missus doesn't have ING yet, but I didn't receive an email. Lame.

    • Newgod on 12/01/2022 - 21:03

      I received the email but such a pity my missus has got her $50 offer last time.

  • twosixfiveoh on 12/01/2022 - 17:14

    Always had an account with them, with money and activity for years.
    Then opened a Savings Accelerator account, it took 3 business days.
    Funny organisation, I tell you.

  • aneil915 on 12/01/2022 - 17:17
    +2

    ING still have the highest interest rate of 1.35% on their saving account. Its not much but every % counts :)

    • user27 on 12/01/2022 - 17:36
      +5

      AMP has 1.35% - no song and dance required each month

  • pompompom on 12/01/2022 - 17:20

    I closed my account a year or so ago. Would I still be eligible for this ? Also how do I get the $100 referral code

    • m9 on 12/01/2022 - 17:24
      +3

      Scroll up and read?

    • WookieMonster on 12/01/2022 - 17:24
      +1

      If you opened an Orange Everyday account at any point of time since 01 July 2014, you’ll be ineligible for this offer.

  • TassieTommy on 12/01/2022 - 17:24

    How do we know if the code we are given by the pm is a code for the previous $50 or the new $100 one?

    • me1stt on 12/01/2022 - 17:27

      Ask for a screenshot of the email.

    • WookieMonster on 12/01/2022 - 17:27
      +1

      There is no way for you to know with 100% certainty. You’ll have to rely on the honesty of whoever is referring you.

      You could always ask for proof when messaging someone (e.g. a screenshot of the email).

    • slartibartfast960 on 12/01/2022 - 18:34

      My code is exactly the same as last time so you’re probably good either way!

  • bohn on 12/01/2022 - 17:29

    didn't get an email from ING.. signed up on the last deal ;/
    I wish ING would let you view your own referral info in the website
    maybe I am not using the account as much as they'd like or some bullcrap

  • itbargainhunter on 12/01/2022 - 17:33

    With the maxi saving account

    Pros: Only Tier 2/2.5 banks that does 1.35%
    Cons: 1) Need to do all those homework every month (not to repeat here) 2) Won't qualify for the bonus interest in you have more than 100K in that account.

    Strategy: Keep a max of 9XK there and move the rest to other bank like MQ.

    • currentfad on 12/01/2022 - 18:11

      You do get bonus interest, just not on the portion above $100k. However because you need to grow the savings account every month, means that you have a growing portion of money not receiving interest.

      • So Was Red on 12/01/2022 - 19:52

        Not necessarily growing if you set your savings balance lower at the end of each month, I went into probably too much detail in my comment below

  • Gabehcoud on 12/01/2022 - 17:45

    I've signed everyone up I know previously when it was $50. I had my referral active for the last promo and didn't get any PMs.

    Seems like the Ozbargain well has run dry for ING referrals TBH

  • other guy on 12/01/2022 - 17:51

    I've had a joint ING account for years and looking to leave as the benefits seem to be reducing every year or so. Any recommendations on what to use instead?

    • tonydarcy on 13/01/2022 - 10:06
      +1

      I use Macquarie. It has a much better app in my opinion (tracks spending, cards etc.), the limit on instant transfers is something like $20k, there are no international transaction fees, the savings account rate is lower, but is still pretty high (0.95%), they have discounted gift cards (3% off JB & The Good Guys, 4% of Woolworths etc.) and you don't need to do a song a dance every month to get everything I've mentioned.

      • Bluey123 on 13/01/2022 - 14:01
        +1

        Yeh looks like Macquarie is the bank to go to now with most perks along with HSBC for the 2% off. What's better is I can move money in my savings account directly too. Don't have to transfer to everyday account then move to another account etc.

      • dpk on 13/01/2022 - 19:42
        +1

        ING allows unlimited amount through phone call instantly

        • tonydarcy on 14/01/2022 - 11:45

          I didn't know that, but can you really be bothered calling them every time you need to do a transfer over $1k?
          I would've been calling them pretty much on a weekly basis! When I called ING to ask them to increase this limit, ING just suggested that I open multiple everyday accounts as the $1k limit is per account, but that wasn't really an acceptable work around.
          In the end it was their loss as that was the main thing that made me move to Macquarie. Although other comments here pointed out I could've used Beem It instead to transfer up to $2k from my ING account to another debit card, it is still a lot of mucking around and Macquarie has many other advantages over ING anyway, especially since I don't use a savings account anymore, so I'm not affected by the interest rate.

          • dpk on 15/01/2022 - 16:29

            @tonydarcy: They are actually better than big banks in this regard, they do it very fast bigger amounts unlike other big banks.

  • 18 on 12/01/2022 - 17:51

    How do I find my referral code?

    • bohn on 12/01/2022 - 17:55

      i want to find mine also, but apparently you need to wait for them to email it to you wtf?
      had my account for some months, but never got an email

  • xiaozaocha on 12/01/2022 - 17:55
    +1

    OMG, just registered this morning!

    • hasher22 on 13/01/2022 - 00:17

      Maybe message them and say you forgot the code

      • DoctorCalculon on 13/01/2022 - 13:47

        Then they will ask thousands of questions about the referrer to validate the referral.

  • Usemame on 12/01/2022 - 17:58
    +1

    HSBC was way easier and I still keep that account open for possible use in future.

  • slartibartfast960 on 12/01/2022 - 18:37

    Just a PSA - according to my emails the codes are both the same. So it won’t matter if your referral code is old, it should still give you both $100 (still assuming that is the amount offered in the most recent email!)

    • WookieMonster on 12/01/2022 - 18:43
      +3

      It will matter as to whether the referral code is actually active for this specific promotion.

      For example, I was sent an email in early October 2021 (and posted the previous deal) saying that my referral code was active from early October to the end of November 2021. However, some other OzBargainers were sent an email in early November 2021 saying their referral codes were active from early November 2021 to the end of December 2021.

      If someone has a referral code from a previous promotion, but did not receive an email today, it is likely they are not targeted in this latest promotion.

      • slartibartfast960 on 12/01/2022 - 18:53
        +1

        That sounds correct - thanks for clarifying my comment :)

    • USER DC on 07/03/2022 - 17:51

      Yup true

  • txb on 12/01/2022 - 19:12

    Is this for people who have never had an ING acc before?

    • BraggingRights on 12/01/2022 - 20:11
      +3

      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.

  • fedex11 on 12/01/2022 - 19:18

    Does the account get automatically closed after being dormant? I signed up years (>6 yrs ago) but haven’t used it and stopped receiving emails years ago. If I were to sign up would I be eligible as a new customer?

    • BraggingRights on 12/01/2022 - 20:12
      +2

      Refer to above comment

      • io on 14/01/2022 - 02:12

        Is there a way to know when I opened my account? I guess only way is if you have the welcome email.

  • So Was Red on 12/01/2022 - 19:41
    +8

    Everyone using ING's bonus interest rate can and should reduce their balance to the lowest eligible increased amount on the last day of each month then transfer back each first day of the month. This allows you to cover expenses without losing a huge chunk of interest. If you can't increase one month, take the opportunity to reduce your savings balance on the last day to $1. I've been doing this for the last few months without issue. I usually increase by 10c.

    Example:
    Jan 14: Open account
    Jan 15: Deposit $1000 into Everyday Account
    Jan 15: Transfer $1000 into high interest Savings Account
    Jan 31: Transfer $999 to Everyday Account
    Jan 31: Your end of month Savings Account balance is recorded as $1
    Feb 01: Deposit $1000 from external source into Everyday account
    Feb 01: (and transfer back out? I haven't tested this)
    Feb 01: Transfer $999 or $1999 to Savings Account
    Feb 28: Transfer $998 or $1998 to Everyday account
    Feb 28: Your end of month Savings Account balance has increased from $1 to $2
    Mar 01: Transfer everything back to Savings Account
    Mar 02: Set a monthly reminder
    Mar 31: Repeat until you can afford many high yield investment vehicles

    • slartibartfast960 on 12/01/2022 - 20:00

      Schwat?

      • So Was Red on 12/01/2022 - 20:02

        ING checks balance at end of month
        Reduce balance before end of month so the recorded amount is only a little bit higher each month

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