The ING Dual-Account Advantage
Enjoy premium benefits on daily banking and maximize your wealth. ING uses this structure to reward you for making them your primary financial institution.
$100
Cash Sign-up Bonus
Applied directly to your central Orange Everyday account in the month after all criteria are met. This is real cash, not a conditional credit.
5.25%
Variable Interest p.a.
When you meet the monthly criteria, unlock a massive 5.25% p.a. rate on balances up to $100,000.
Extremely Important: 4 Steps to Your $100
To guarantee your bonus, you must strictly fulfill these 4 steps within a calendar month. Missing the code at checkout will permanently forfeit your reward.
- Step 1: Open Account & Apply Code. Click the sign-up link and choose "Open Now". At the very last stage on the Review & Next Steps page, you MUST enter promo code kul455. If you miss this box, you get nothing.
- Step 2: Deposit $1,000+. Within one calendar month, transfer a minimum of $1,000 from an external bank account into your new Orange Everyday account.
- Step 3: Open a Savings Account. Open a Savings Maximiser account and deposit any amount to activate it.
- Step 4: Make 5 Card Purchases. Once your physical card arrives, use it to make 5 settled transactions. Pro-Tip: You can split your grocery shopping into 5 separate small transactions at the self-checkout to clear this hurdle instantly.
Your Required Promo Code:
Click to copy the code. Paste it into the 'Promotional code' box at the end of your application.
Ongoing Orange Everyday Perks
High yields shouldn't hide terrible fees. ING made major pro-consumer updates by removing monthly criteria previously required to access several core benefits.
Zero Intl Fees
No ING international transaction fees for online shopping, using your card abroad, and zero international ATM fees.
1% Utility Cashback
Customers earn 1% cashback (up to $100 per financial year) when paying eligible gas, electricity, and water bills using BPAY or direct debit.
Government Guaranteed
ING Bank (Australia) Limited is a fully licensed ADI. Your deposits are protected up to $250,000 per account holder under the Financial Claims Scheme.
Frequently Asked Questions
What if I forgot to enter the code kul455?
Unfortunately, ING does not allow retrospective application. If the application is submitted without the code kul455 in the 'Review & next steps' section, ING will not manually add it later, and the $100 bonus will be permanently forfeited.
How do I make sure my 5 card purchases count?
The purchases must be "settled" by the bank within the calendar month, not just "pending". Do not wait until the last 2 days of the month to make your purchases, as they may not clear in time. ATM withdrawals and BPAY transfers do not count towards the 5 purchases.
Is my money safe with a digital bank?
Yes. ING operates as a fully licensed Australian Authorised Deposit-taking Institution (ADI). The Australian Government's Financial Claims Scheme (FCS) guarantees the timely repayment of deposits up to a cap of $250,000 per account holder.