ing orange everyday travel card review

REVIEW: ING Orange Everyday – The Best Travel Card For Aussies? (Inc $100 Promo Code!)

Looking for the best travel card for Australians? After a year of bouncing around the world with my ING Orange account here’s my full review…

Picking the right travel card can make the difference between an easy, relaxing holiday and a financial nightmare – and finding a bank account that doesn’t totally take the p*ss with fees once you leave the country is a bit of a minefield, especially in Australia.

Having struggled with really bad exchange rates, fees and a clunky app whilst banking with Commonwealth I decided I needed to make a big change and did some solid research into the best Australian bank for travelling abroad.

And that’s how I came across the ING Orange Everyday Account…

Make sure you head to the end of the post for a $100 sign up bonus too!

REVIEW: ING Orange Everyday – The Best Travel Card For Aussies?

Aussie travel cards – not a lot of choice.

Unlike the UK – which has heaps of new ‘disruptor banks’ like Starling (who I use for my UK accounts) and Monzo which both offer awesome deals on fees and withdrawals abroad – Australia seems a LOT more limited for options.

The big banks like Commonwealth (who I also bank with in Australia) and ANZ both fell flat on their face for travel cards, especially for those heading out on a long term trip and more importantly bouncing through a a lot of currencies along the way.

After a heap of Googling and chatting to my Aussie buddies it seemed the ING Orange Everyday account is leading the way for Aussies travelling the world and is also epic as a day to day card in Australia too!

First off, setting up my account with ING was a breeze.

A simple online form that took less than 15 minutes to fill out and have my account approved (as long as you have your ID and stuff to hand!), and I did it all without having to step foot into a bank, super easy!

You physical debit card will then arrive within 2-5 working days and you’re good to go!

Download The App

As you’d expect from a banking app you can easily keep track of your transactions and easily make payments etc.

From a travel perspective you can also easily see your payments/ATM withdrawals in both local and AUD too.

Another handy travel feature is the “rebates’ tab – which gives you an instant overview of how much you’ve saved on both card and ATM withdrawal rebates – not essential but it’s good to see in hard $ how much the travel card is worth the money!

As an example, my recent tint in Bali I racked up over $140 worth of rebates – so it’s well worth it.

Notifications

The other huge advantage of the app is enabling notifications on your phone/ Apple Watch – for everyday banking its super handy to keep up to date with your spending and income, but once you’re abroad it’s a really convenient way to keep an eye out for fraudulent transactions and card skimming.

So make sure you get push notifications enabled ASAP!

How To Go Fee Free Abroad

The ING travel card offers both free ATM withdrawals abroad as well as great exchange rates and fee free on card transactions abroad too.

However, unlike Starling Bank in the UK , the ING Orange Everyday account has a few conditions to be able to to go fee free abroad;

• Make 5 transactions per month (completed, not pending)
• Transfer in at least $1,000 from an external bank account

Doing the above in the current month unlocks the free transactions/rebates the next month.

…something I’ve overlooked a couple of times which has been a bit annoying!

Also if you’re worried about the $1,000 a month restriction, you can sneak your way around that as there are no conditions on where it comes from or how long it stays in your account – so in theory you can simply transfer it in, then straight back out!

Once you’ve ticked those off the list the next calendar month becomes fee free!

You can also quickly check in the app whether you’ve unlocked these features for the following month too and your first month is already activated so you can hit the road right away as well.

Along with removing fees abroad, the card also covers rebates on ATM withdrawals from within Australia too , which is super handy if you’re also using it as a day to day card in Oz as well.

Oh…and there’s no monthly fee for the account either as an added bonus!

Customer Service

I’d also like to point out how epic my experience with ING customer service has been too.

When I headed to the Mentawais I took a large chunk of cash out from an ATM in Padang, which was well out of line of my patterns of spending and previous geo location. I then got a notification on the app saying my card had been restricted.

Initially my thoughts we “oh great, I’m going to be on hold for hours sorting this” .

But actually the whole thing was quickly resolved – and they also helped me put through an online payment which required an extra code (due to the payment size) as I didn’t have access to my Aussie SIM at the time either.

I also got my card skimmed at an ATM in Bali (yaaaaay!) and the ING team were super helpful with getting this resolved and refunded into my account as well – with an email update once it was all sorted.

So yeah, kudos to that and this has given me even more faith in them!

Want to sign up and earn $100 as well? Well use the promo code Gyt174 when you setup your account!

Please note, this offer runs quite often, but not all the time, it’ll tell you during sign up though.

• Go to ing.com.au/everyday , open a new Orange Everyday and enter Gyt174 in the promo box at the end of the online form
• Deposit $1,000+ (such as your work pay) from an external source into your new Orange Everyday account within a calendar month.
• Open a Savings Maximiser and make a deposit (any amount will do) into this account.
• Make 5+ settled (not pending) purchases using your new Orange Everyday card within a calendar month.

Are you Aussie?

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I had a really different experience of this product when I moved to Canada for six months for study. I can’t recommend this card for trips longer than a few weeks.

I didn’t keep my Aussie SIM, as I got a local phone plan. BIG MISTAKE. ING requires an SMS authentication code for large credit payments, money transfers, new BPay or PayID billers, etc. Unlike banks like Westpac, ING won’t send that SMS to an overseas number. So I had to call them and they’d get a supervisor to manually authorise — ten minutes on the call, easily.

Second, unlike other banks, ING won’t issue you with a spare card. Only one card per account; if you want another one for peace of mind, open another account. But shiz happens when you travel. I got pickpocketed on the metro in Toronto—rookie mistake, putting my wallet in my overcoat because I couldn’t reach my jeans pocket. I couldn’t even get through to ING on the phone or via their website to put the card on hold. I called VISA instead and they issued me with a temporary card (stripe, but no chip, so no cash withdrawals at any Canadian ATMs).

When I did finally get through to ING, they said they would send a replacement card, and it could take up to six weeks. At the six week mark I called going ‘where is it’ and they finally admitted that their system would not send a replacement card unless I cancelled the temporary card — because, wait for it, only one card per account. So in their mind, it’s reasonable for a customer to go up to six weeks without any card access at all.

So—fee free payments and withdrawals are GREAT, but if you’re going to be travelling for long, keep your Aussie phone plan active to minimise inconvenience, and make sure you have a backup card from another bank or account, in case shiz happens, because ING will not be there for you if it does.

Hey Daniel, Oh geez, sounds like things didn’t go well for you hey? Good to know! I was also unaware about the singular card side of things too, so I’ll add that into the post. SIM wise I registered mine to a PAYG SIM (I swap through SIMS heaps when travelling), which is what I’d advice people travelling long term as well to avoid that side of things. With a lot of banks I find it odd that they can’t do those notifications as a push notification to the app on the phone – would make way more sense right?! Thanks for the feedback an input though – did you find another bank that worked well as a back up/your new travel card?

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ING Orange Everyday Account Review

Learn about the ING Orange Everyday Account in this review to help you decide whether this is the best card to use at home and for overseas travel.

What is the ING Orange Everyday Account ?

ING accounts are all about saving. And with the Orange Everyday Account, it's no different. It's a debit account that lets you earn high variable interest rates.

Plus it's great for travel, because of these key benefits:

• There are no ING international transaction fees
• Free ATM withdrawals in Australia and overseas
• Withdraw cash from any Visa ATM

All you need to do is deposit $1,000 or more per month and make 5+ card purchases that are settled each month to benefit from free ATM withdrawals, free international transactions and earn the maximum interest rates on your savings. You can also benefit from a limited time $75 cash bonus offer when you open a new Orange Everyday account online.

It's the perfect balance between savings and spending. When you use your ING card, you're drawing money directly from your everyday bank account when you make a purchase. The account also comes with additional tools to help build your savings.

If you love budgets and are in need of a new savings account attached with a card for travel, this account is ideal.

Pros and cons of using the ING Orange Everyday Account

• No account fees Manage your account online, on your mobile (with Apple Pay or Google Pay), iPad, over the phone or at Australia Post outlets.
• Link to your Savings Maximiser Earn the highest variable rate, currently up to 2.8%p.a. You can also save with the Everyday Round Up tool.
• $0 international ATM fees This is a huge benefit if you are travelling often and prefer to take out local cash from an ATM. But conditions apply.
• No branches, which can be inconvenient ING has partnered with Australia Post to give you access to 3,300 of their Bank@Post outlets.
• Conditions apply You need to deposit at least $1,000 per month and make 5 or more purchases that are settled within the same month using your Orange Everyday account.
• No interest payments for transaction account You need to link your everyday transaction account with a different savings account, so you're essentially opening two accounts.

Why consider the ING Orange Everyday Account ?

We think the ING Orange Everyday Account is ideal for savvy and organised travellers who love to budget. But only if you're able to meet all the specific conditions ING apply for all the extra perks.

And although you have to deposit $1,000 and make 5 purchases per month to get a rebate for ATM fees, it's the only debit card that reimburses you for the fees that overseas ATM operators charge, which can make it worth it.

But if you're worried you can't meet these conditions, you might be better of checking out alternative debit cards or credit cards , which are more focused on flexibility and convenience.

Otherwise you'll be better off with a different debit account that doesn't have the same conditional benefits.

Benefits of the ING Orange Everyday Account

• Chip and PIN
• Additional protection from Visa Zero Liability
• Emergency card/cash available if stolen/lost

Convenience

• Easy way to save, while spending overseas
• Contactless payments via Apple Pay and Google Pay
• Extra card for joint accounts

• No international purchasing and ATM fees (conditions apply)
• Highest variable interest rate on your ING Savings Maximiser account (conditions apply)
• Unlimited bank transfers and transactions - no account fees
• Savings tools including Everyday Round Up

Manage Your Money

• Manage your funds easily online or on mobile phone app

Fees and Limits of the ING Orange Everyday Account

Transaction limits for ing orange everyday account.

• Daily transfers and withdrawal limit are set at $2,200 for ATM transactions.
• Maximum load and BPAY/bank transfer amounts are set at $100,000.

All prices are in AUD

• International ATM Fee: $2.50 ($0 if you meet certain conditions)*
• International EFTPOS Fee: 2.50% (0% if you meet certain conditions)*

*$1,000 monthly deposit plus 5+ purchases settled within the month

How To Apply for the ING Orange Everyday Account

1. open an account.

• Complete the short online form . You need to be 18 years plus, Australian resident and have a residential address, email and mobile number.
• You'll also need at least 2 forms (e.g. Medicare, drivers licence, passport or birth certificate).
• Existing ING customers need to have account details.

2. Card is sent to your address

• Card is sent to your home address 2-5 business days after ING have checked and accepted your ID.

3. Switch your payments

• Move all your regular payments, including your salary, to your new Orange Everyday account using online banking .

4. Meet your conditional requirements

• Make sure you meet the $1,000 monthly deposit and make 5+ card purchases per month

ING Direct Orange Everyday

Save on fees.

Last updated on April 26th, 2024 by Pauline Hatch

ING Direct’s Orange Everyday account offers $0 international transaction fees, utility bill cashback, and rebates on ATM withdrawal fees when you meet the monthly eligibility criteria. T&Cs apply.

Plus, pay $0 monthly fees, $0 transaction fees, and lower than average international withdrawal and currency fees – extra money in your pocket!

Key Features

• Enjoy $0 international transaction fees, utility bill cashback, and rebates on ATM withdrawal fees when you deposit $1,000+ from an external source and make 5+ eligible card purchases each month
• No monthly account-keeping fee
• Earn up to 5.50% p.a. variable interest when you open Savings Maximiser account together with Orange Everyday account. T&Cs apply.
• Easy Online and mobile banking available
• Secure mobile payments with Apple Pay and Google Pay
• Extra security with Verified by Visa
• Available as a joint bank account
• Product Name ING Direct Orange Everyday
• Interest rate 0%
• Monthly fee $0
• Minimum opening deposit $0
• ATM access Yes
• EFTPOS access Yes
• Branch access No
• Internet Banking Yes
• Age restriction Yes
• Joint applications Yes
• Cheque book facility Yes
• Debit card Yes
• Giropost Yes
• Phone access Yes
• Overseas transaction fees 3%

Application Criteria

• You must be 18 years or over to apply online.
• If applying for a joint account, you'll need the other persons' details too.
• Applying online only takes around 7 minutes.
• Your new account will be setup immediately after you apply.

The ING Orange Everyday Debit Card Review

Offered in conjunction with the ING Orange Everyday Debit Card, the ING Orange Everyday account provides access to an awesome range of extras, with no monthly fees to worry about. And, as long as you deposit $1,000 each month and use your card to make at least five purchases, you can benefit from free ATM withdrawals, no international transaction fees plus, 1% utility bills cashback.

What’s great?

If you’re looking to save on fees day-to-day, the ING Orange Everyday Debit Card could be the card for you.

No Monthly Fees

No matter how much or how little you use the card, no matter how much you deposit or spend, you will pay no monthly fees for the use of this card and its accompanying account.

No International Transaction Fees

Whether you’re a keen overseas traveller, or a fan of online shopping with international retailers, you can save heaps with no international transaction fees to pay on your transactions. To be eligible for this fee rebate, simply deposit $1,000 into your account each month, and make at least five purchases using your card during the same period.

Free ATM Withdrawals Everywhere

No matter where you are in the world, you can access your money using your ING Orange Everyday Debit Card and enjoy rebates on the first 5 ATM withdrawal fees each month. Again, to take advantage of this feature, you must deposit at least $1,000 and make five purchases using your card within the month.

Take note that ING Orange Everyday debit card holders won't be able to get a refund on any fees charged by overseas ATM operators, charges for currency conversion, fees imposed by merchants for purchase or cash withdrawals, and fees charged for balance enquiries.

Utility Bill Cashback

Pay your gas, electricity, and water bills via BPAY or direct debit (BSB and account number) from your Orange Everyday account and get 1% cashback from eligible utility providers. Simply meet the monthly deposit and spend requirements to enjoy up to a $100 cashback benefit per financial year. T&Cs apply.

Boost Your Interest Earn

Thinking of signing up for a savings account as well? If you choose to set up a Savings Maximiser with ING alongside your Orange Everyday account, you can boost your interest earn within your savings account every month you deposit at least $1,000 into the everyday account, use your card to make five purchases, and grow your Savings Maximiser balance.

Doing this, you could earn up to 5.50% p.a. variable interest on your Savings Maximiser account balance up to $100,000 and the additional variable rate will be applied to your account the following month. You can withdraw what you want, whenever you want, penalty-free.

Save with ING Everyday Round Up

Look after the pennies, and the pounds will look after themselves. While we may be talking dollars and cents here, the concept still applies. Which is why ING offers its Everyday Round Up tool as a way to help you build your savings. All you need to do is switch it on and it automatically rounds up card purchases and moves that extra amount into your nominated Savings Maximiser.

Mobile Payments

Whether you already use Apple Pay and Google Pay, or you want to get into it, with the ING Orange Everyday Debit Card, you can sync your card to your digital wallets to make shopping online and in-person more convenient.

Stay Secure

As you are using a Visa Debit card, you can benefit from Visa’s excellent security features. Not only does this offer you an added level of protection with Verified by Visa, but it also gives you peace of mind knowing that you will not be held liable for any fraudulent transactions made using your card, thanks to Visa’s Zero Liability policy.

What’s worth considering?

While the ING Orange Everyday account obviously provides lots of ways to save, there is some small print to be aware of. For example, what happens when you don’t deposit $1,000 and use your card to make five purchases? In terms of the international transaction fee, that will be applied at a rate of 3%. Meanwhile, international withdrawals will come with a fee of $5.

Other fees may apply, so check the small print before you apply.

Why should you choose it?

If you know that you will pay in at least $1,000 each month and use your card regularly, the ING Orange Everyday account could be a great money-saver, allowing you to benefit from paying no monthly fees, no international transaction fees and ATM withdrawal fee rebates, and utility bill cashback.

When used in conjunction with a Savings Maximiser, the account could also work to boost your interest earn, while channeling small amounts into that savings account via Everyday Round Up.

What’s good

• Comes with a Visa Debit card
• No monthly fees with no catches (i.e. if your salary is paid in, like other banks)
• Enjoy extra benefits when you deposit $1,000+ from an external source and make 5+ eligible ING card purchases:

• 1% cashback on eligible utility bill payments (up to $100 per financial year) • Unlimited rebates on the ING International Transaction Fee • Rebates on the first 5 ATM withdrawal fees (domestic & international) charged on the account

• Easy mobile payments with Apple Pay and Google Pay
• Extra savings with ING Everyday Round Up tool
• 24/7 Australia-based customer service

What’s not so good

• A 3% international transaction fee applies when you don't meet the monthly deposit and spend criteria required

Apply for a ING Direct Orange Everyday now

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tatiana molodchikova

what is the daily limit to withdraw cash and how can i increase it ? where can i find atm wit no fees (ING ATM?)

Hi Tatiana, as indicated on ING’s fees and limits schedule PDS , the daily cash-out limit is $2,200 per day, per account. You can call ING directly to make changes to your cash-out limit. As for ATMs, ING doesn’t own any in Australia and doesn’t charge fees to withdraw cash from any machine – but you may pay a third-party fee for using the ATM, which is usually around $2.50.

It appears that I need an account with ING in order to use the everyday orange card. Is this correct?

Hi Ian, yes you’ll get an account and a debit card at the same time. The account holds your money, and the debit card is one of the ways you access that money (as well as online banking).

How do l check/find my list of merchants names/contacts on my debit card who are making transactions?

Hi Christine, you should be able to do that through the ING app. You can open the app and go to your Orange account and view your statement, or you can click ‘stored card details’ from the drop-down list to view all the merchants who have charged your card or stored your card details in the last 13 months. Hope that helps!

Hi, Does anyone have a link to the actual fees and limits schedule? All the links provide the same 9 page document regarding the changes occurring on the 1 August 23, but there are no longer any links to the actual fees and limits schedule!

Hi Martin, the ING site only links to the 9 page pdf you mention. You could try using the “Wayback Machine” to check the ING site from before the latest update. Good luck!

How do I apply for ING visa debit card

Hi Christos, at present, we don’t have a partnership with the ING Orange Everyday account. However, you can visit their website to complete an application. Additionally, you can compare other debit card accounts for alternatives.

Hi how can I deposit money into my orange account can I deposit money into any ATM Teller yours kind

Hi Nick, yes you can deposit money into your ING Direct Orange Everyday account by transferring funds from another bank account, setting up a direct debit, depositing checks using the ING mobile banking app, or depositing cash at any Australia Post Office. Please note though that ING doesn’t have its own ATMs or tellers, but you can use any ATM in the Westpac, St.George, BankSA, or Bank of Melbourne network for free withdrawals.

When making a cash withdrawal from an ATM using the Orange everyday card, which button is pressed ie. Check, credit or savings?

Hi Mel, you can choose either a ‘checking’ or ‘savings’ account when withdrawing cash from an ATM using your ING Direct Orange Everyday debit card. Choosing the ‘cheque’ option will withdraw the funds from your everyday account while the ‘savings’ option will withdraw the funds from the savings account linked to your everyday account (if you have one set up). If you need further assistance with using your ING debit card for ATM withdrawals, you can also reach out to ING customer service at 133 464. Hope this helps!

Is there a limit for overseas ATM withdrawals? Is there a currency exchange fee?

Hi Tiana, you can check the potential limits for overseas ATM withdrawals in the web portal. As for foreign transaction fees, if you make a deposit of at least $1000 and make at least 5 purchases within the month, you may be eligible for zero international fees. Don’t forget to let ING know of your travel dates so they don’t block your card due to unknown overseas purchases.

FYI you only get 5 ATM Cash Withdrawals (No FEE) per month overseas. Overall, great Card. I’ve using it in Canada for 3 years.

Hi Rob, thanks for the message. We’ll update our content accordingly!

Jane Robinson

Does ING’s Orange Everyday Account allow direct debit set-up

Hi Jane, yes, ING allow a direct debit setup. You can call their Contact Centre directly at 133 464 for further information.

Chris Wallace

I have an ING savings maximiser account, can a debit / credit card be linked to it or do I have to open an everyday account?

Hi Chris, I checked this for you and it looks like they don’t accept credit cards. You can only link ING Orange Everyday or Orange Everyday Youth account. You can check their FAQs for further information.

Peter Edwards

if in any month you don’t deposit $1,000 & make 5 transactions do the transaction fees apply only for the month that the requirement wasn’t met?

Hi Peter, good question! We don’t have direct access to this card currently. I checked and can see that you will be charged a fee. You can reach out to ING directly at 133 464 to get more information on this.

Is there a way for me to withdraw 6000 from my account?

Hi Adam, it looks like according to ING’s T&C’s that to change your limit higher you need to call them on 133 464 for up to $10,000.

Jane Trainor

Is the ING Orange Every day account a cheque or savings account?

Hi Jane, the ING Orange Everyday account is an every day account with a Visa debit card – not a cheque account. If you are looking for a saving account ING has the Savings Maximiser.

Claire Rose

Hello. My partner and I owul dlike to take out a joint ING Orange everyday account. We will not be depositing $1000 per month in it. What are the fees for this. Thank you.

Hi Claire, there is no monthly fee but you would be paying ATM withdrawal fees (this fee is set by the ATM Operator). For a full list of fees click here .

Vanessa Daughtry

Is there a fee for periodical payments or direct debits from this account please?

Hi Vanessa, after reviewing the ING site – there is no fees listed. https://www.ing.com.au/everyday-banking.html

Lee Van Boheemen

Could you please confirm that I have understood the summary correctly? 1. Deposit $1,000 per month 2. Complete 5 purchase transactions per month 3. NO Fees for: ATM funds withdrawals, ATM deposits of cash and cheques, Aust purchases using Visa Debit Card, International purchases using Visa Debit card (charged but refunded in full), International funds withdrawals (charged but refunded in full).

Hi Lee, $1000+ is mentioned in some cases. Therefore I would put at least $1001 just to be sure. 2, yeah just make sure they are all settled in the same month. It could take a few days for transactions to come on. 3. thats what they are saying. If you have an ING home loan. Then you are automatically eligible without meeting any deposit or transaction amount required. Great debit card account – best in Australia? Must be right now if you get fee free like that.

Paul Mckenze

is there a daily transaction limit

Hi Paul, There is a cash out limit of $2,200 per day. This includes ATMs and EFTPOS. The limit for purchases is $5,000 per day using your Visa Debit. Please refer to fees and limits for more details.

Is there a maximum number of transactions in a month before a fee is charged?

Hi Gwen, no – there is no maximum number of transactions, they are all free. You will get charged an ATM fee if you withdraw less than $200 each time however.

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Mozo experts choice awards won:

• Exceptional Everyday Account - 2024

ING Orange Everyday

Mozo editorial review ing orange everyday - last updated: 21 march 2024.

• Rebates on ATM fees in Australia
• Zero monthly account fees
• 1% cashback on eligible utility bill payments via BPAY or direct debit for customers who meet eligibility requirements (up to $100 per financial year)
• No branch access

Mozo snapshot

The Orange Everyday account is big on convenience and small on fees and charges. This account has no account fees as long as you deposit at least $1,000 a month into your account (from an external bank account) and make at least five settled card purchases each month using your ING debit card. 

Key features

ING is an online-only bank so there's no branch access, but they do offer online banking, 24-hour phone banking, BPAY and rebates on ATM fees anywhere in Australia.

With the Orange Everyday account you can receive rebates on ATM fees anywhere in Australia (anything charged by other providers will be refunded to your account by ING). This is on the condition that you deposit at least $1,000 into your ING account each month from an external bank account, and make at least 5 purchases using your ING debit or credit card each month.

If you meet the above criteria, you can also spend on your card while overseas without paying an international transaction fee, making this a great pick for savvy travellers. As of 1 August 2023, if you meet the criteria, you can get the first 5 fee incurring ATM withdraws rebated per month (excludes international ATM operator fees). 

Customers who meet the eligibility criteria will also get 1% cashback on eligible utility bill payments via BPAY or direct debit (up to $100 per financial year)

There's also no minimum opening deposit requirement and no monthly account fees to pay, so this account get's the budget-friendly tick of approval. Just keep in mind you won't earn any interest as, like most transaction accounts, the ING Orange Everyday account doesn't pay any interest on your balance. However, you can start making a return on your funds by linking the Orange everyday with the ING Savings Maximiser .

The Orange Everyday bank account comes with a VISA debit card (with PayWave), giving you the shopping freedom of a credit card without the credit maintenance worries.

You also have the option to switch on the everyday round-up feature, where purchases you make on your card are rounded up to either $1 or $5. The difference is then deposited into a linked ING Savings Maximiser, Mortgage Simplifier or Orange Advantage account where it can start accruing interest.

You'll also be able to access your ING Orange Everyday account and heap of other ING products through the  ING banking app .

Who is it good for

If you're an Australian who's sick of being charged high ATM fees in Australia and abroad, then this budget-friendly account could be the one for you.

Any catches

Like most transaction account, you won't earn any interest on your money in the ING Everyday Orange, so you might be better off keeping your savings in a high-interest savings account and transferring cash over as you need it.

Other financial bits

Payment options.

Apple Pay, Google Wallet, PayID, PayTo

Customer Reviews

How are ing bank accounts rated by the mozo community, latest reviews of ing orange everyday bank account, easy to set up and easy to use online system and a.

quick and helpful customer service, easy to set up and easy to use online system and app.

Love you can use any atm with no fee

Best Bank account

Easy to use and love the summary screen of totals at a glance.

The best bank in Australia hands down

You save on atm charges bank fees. You get excellent ethical banking without them ripping of the customer.

Good support

High security and customer support

Everyday Global Account

Apple Pay, Google Wallet

Everyday Options

Apple Pay, Google Wallet, PayID

Spend Account

Apple Pay, Google Wallet, PayID, Samsung Pay, Fitbit Pay, Garmin Pay

MyState Bank

Glide Account

Apple Pay, Google Wallet, PayID, Samsung Pay, FitBit Pay, Garmin

About Mozo’s Editorial Star Ratings

Mozo’s Editorial Star Ratings are a score out of 5 stars arrived at by the author of the review after careful consideration of a product’s rates, fees and features when compared with other products that offer similar features.

As a guide, this is how the Editorial Star Ratings should be interpreted:

• 5 stars - a best in class blend of great value and features
• 4 stars - excellent value and features overall
• 3 stars - good value and features overall
• 2 stars - below average, but may be worth considering for some people
• 1 star - well below average

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In this guide

• Our verdict

Key details

Eligibility, key features, how to apply, your reviews, ask a question, ing orange everyday transaction account.

Get rebates on international transaction and ATM fees, and earn cashback on your utility bills with this account.

The ING Orange Everyday Transaction Account is ideal for both day-to-day use in Australia and also overseas. If you deposit $1000 per month and make 5+ card purchases a month, you’ll have the first 5 Australian ATM withdrawal fees refunded back into your account each month. You'll still pay no international transaction fees, when the account conditions are met.

This perk make this account a great travel money option. Just make sure you can meet the monthly deposit requirement, if you can’t you’ll be charged an international transaction fee of 3% on each purchase overseas (and online from international sites).

ING's Everyday Round Up tool means you can opt in to having your transactions rounded up with the remaining digital change added to your linked ING savings account. This is a helpful feature to help you save money without thinking about it. Plus, the 1% cashback offer on utility bills could see you save up to $100 a year.

• $0 account keeping fees
• Earn 1% cashback on utility bills (T&Cs apply)
• 5 rebated Australian ATM withdrawal fees per month and no international transaction fees when account conditions are met
• Link to a Savings Maximiser and earn a competitive bonus interest rate
• Deposit money via Bank@Post for free
• ING doesn't have any branches
• International ING ATM fees and transaction fees do apply if account conditions are not met
• In Australia, ATM rebates are capped at the first 5 transactions a month

The ING Orange Everyday transaction account is a daily bank account with no account keeping fees. If you meet the account conditions, you’ll pay no international transaction fees and get your first 5 Australian ATM transaction fees refunded back into your account each month.

When the account criteria is met, you will also earn 1% cashback on your eligible utility bills when you pay using this account (capped at $100 cashback each year).

$0 Monthly account keeping fee

There are no fees when you bank using this everyday account from ING.

Access free ATM withdrawals in Australia

When you meet the account conditions (deposit $1,000+ from an external source monthly and make 5+ card purchases a month) your first 5 ATM transaction charges will be rebated to you each month. ING will rebate you the ATM withdrawal fee and the ATM operator fee. After the first 5 ATM charges are rebated to you, standard ATM fees will apply.

When you meet these same conditions, you will also be rebated the ING International ATM withdrawal fee when you use an ATM overseas. Note however, that this rebate does not include the operator fee.

Earn 1% cashback on utility bills

You can earn 1% cashback on your eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY or Direct Debit (made using your BSB and account number only). This cashback offer is capped at $100 each financial year. To be eligible for the cashback offer you must meet the account conditions; deposit $1,000+ from an external source monthly and make 5+ card purchases a month.

Linked Visa Debit Card

You're issued a free Visa Debit Card to make purchases in stores, online and over the phone wherever Visa is accepted. There's no fees for transactions made in Australia.

Pay no international transaction fees

If you make an international purchase that involves converting currency to the Australian dollar (such as online shopping from overseas retailers), you won't be charged any international transaction fees so long as you deposit your pay of $1,000 monthly and make 5+ card purchases a month.

Apple Pay, Google Wallet available

You can use Apple Pay and Google Wallet with your ING Orange Everyday account, to make secure contactless payments with your smartphone, watch or wearable device. To set it up, open the Apple Pay or Google Wallet app on your phone and select the plus (+) sign. Then follow the prompts to add your ING debit card.

Electronic payments

You can take advantage of BPAY, Pay Anyone, EFTPOS, PayID and Bank@Post transactions for free. There are also no dishonour fees.

Secure chip technology

The Orange Everyday has a security chip which gives you extra security by making it hard for criminals to get access to your details. The Visa Zero Liability policy means whenever you press 'credit' when making a purchase at a store or over the telephone, or use payWave, you're not held responsible for fraudulent charges.

Branchless banking

It's worth nothing that ING is an online bank and therefore, doesn't have traditional branches. However, you have round the clock access to your account through the ING online banking portal, via ING's mobile app, ATM access with your Visa debit card along with phone banking with ING's 24/7 customer call centre. ING also has a lounge in the Sydney CBD where you can use ATMs, get advice and more.

What if I want to deposit cheques or cash into my account?

You can take advantage of Bank@Post outlets – these are Australia Post offices equipped with the facilities of a bank, so you can deposit your cheque or cash directly into your ING account for free.

Bonus interest on savings up to 5.5% p.a. when you link with a ING Savings Maximiser

Earn 5.5% p.a. on your ING Savings Maximiser balance when you link to an ING Orange Everyday account and meet the following criteria each month: deposit at least $1,000; make 5+ card purchases; and grow your Savings Maximiser balance (excluding interest earned). You can compare other ING products here.

ING allows applicants to complete their application form online.

First you are going to want to make sure that you are able to meet the following eligibility requirements:

• How old are you? You must be at least 18 years of age or older to open an Orange Everyday Account from ING.
• Where do you live? Only people with a verifiable physical address in Australia will be considered for this account.
• Do you have a mobile phone number? ING requests a mobile phone number when you are completing the application.

Documentation needed

If you meet these terms then you can proceed to the application page, having the following documentation ready to help with completing it quickly:

• Your identifying documents. You are going to need at least two forms of identification in order for your application to be processed. This could include a driver's licence, passport, birth certificate or Medicare card. ING will use these to verify your identity electronically, but if unable to do so, will ask that you continue with this step in person at your local Australian Post Office.
• Your account number. If you are already an ING customer, have your account details ready.
• Your email address. You will need to supply ING with a valid email address so that they may communicate with you about your account.

What happens after I submit my application?

The online application form is short, and should only take five to ten minutes to complete. Once done you can submit it to ING where your identity will be verified and an account opened in your name. Within two to five business days afterwards, you will receive your Visa debit card in your mailbox. You can then link your accounts and set up direct pay into your new everyday account to ensure you meet the $1,000 monthly deposit requirement and make 5+ card purchases a month.

How do I activate my card?

Once you've received your debit card in the mail, sign the back of your card and log in through the official ING website. Go to "My Account Details" and click "Activate Card" and follow the prompts.

What if I'm not an Australian resident?

It's recommended that you get in touch with ING to discuss your options.

• ING Orange Everyday transaction account information page
• ING Orange Everyday transaction account TMD

To ask a question simply log in via your email or create an account .

Alison Finder

Hi there, looking for more information? Ask us a question.

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January 11, 2024

Hi, what should an international student apply for?

Jason Loewenthal Finder

January 19, 2024

We have a guide on bank accounts for international students .

I hope that helps.

November 24, 2023

If I overdraw my account am I charged a fee for this?

January 05, 2024

There is no overdraft facility for the Orange Everyday account, so no overdraft fees.

March 13, 2023

Who do I get in touch with about ING client Id

Alison Banney Finder

Hi Jessica, You should be able to locate your client ID number on the back of your ING debit card, or by logging into Internet banking. If you need any additional help regarding your ING client ID it’s a good idea to contact ING directly. Thanks, Alison

February 20, 2023

If I have the 2 accounts, the orange everyday and the savings maximiser, do I need to deposit $1000 and make 5 transactions for each account to get the benifits?

February 22, 2023

No, you only need to deposit $1000 into one of your accounts and make 5 x purchases from your Orange Everyday account.

Thanks, Alison

February 19, 2023

So if I open a normal account and link a new savings account , add my card to my apple pay, I simply make 5 purchases from the everyday account to qualify for the 4.8% interest? Making the $1000 a month is no issue nor is growing my savings account. Just the transaction part is a little confusing because I’m reading it has to be 5 atm withdrawals a month in some places and 5 general transactions in others. Can I please have clarification?

Kind regards Johnny

February 21, 2023

Hi Johnny, Yes, confirming it’s just 5 general transactions or purchases per month to meet this condition. These can be of any value too, so buying 5 coffees throughout the month would meet this condition. Thanks, Alison

Alison Banney

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full profile

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ING Orange Everyday

The ING Orange Everyday account ongoing benefits include a $0 monthly fee, FX Fee of 3%.

Updated 9 June 2024

$0 monthly account fee

3.00% overseas transaction fee

For anyone aged 18 and over

No annual fee

Before applying for this product, you should read the Target Market Determination (TMD) available here on the ING website.

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

5 best debit cards for overseas travel.

Traveling abroad can be an exciting adventure, but managing your finances while overseas can sometimes be challenging. One of the best ways to ensure you get the most out of your money is by using a travel debit card.

In this guide, we'll cover everything you need to know about the top travel debit cards in 2024 , highlighting their key features, benefits, and how to choose the right one for your needs.

The Best Travel Debit Cards:

Wise travel card.

• Revolut Australia Card

Macquarie Transaction Account Debit Card

• HSBC Global Everyday Account Debit Card

ING Orange Everyday Account Debit Card

Revolut Card Offer

Sign up and get a $15 top-up . For new customers only, T&Cs apply .

Best Exchange Rate

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is great for frequent travellers as it offers over 40 currencies at the inter-market exchange rate, which is the cheapest rate globally. In addition you can buy goods online from overseas with no transaction fee plus get the best exchange rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Our Wise Travel Card Review

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

• No monthly fees
• No foreign transaction fee
• No ATM fees in Australia
• No ATM fees overseas
• Contactless limit with no PIN up to $200 per transaction
• Joint accounts available
• Discounts of up to 10% on eGift cards to use at over 50 leading retailers

• Simple and easy to work out costs for account
• Can be used in Australia as an EFTPOS card
• Instant transfers can be made using PayID and OSKO
• Works with Apple Pay, Google Pay, Fitbit and Garmin
• Available to 14 year olds and older
• Easily lock and unlock your card in the app if your card is lost or stolen
• Multi award winning account including Mozo Best Everyday Savings for 2021
• $2,000 daily limit for ATM withdrawals
• Exchange rates are MasterCard exchange rates, which are normally 2% - 6%+ the market rate
• Added security with a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity
• Tools for spending each time you make a transaction, it’s automatically categorised into groups such as groceries, travel, leisure or technology. In addition you can see how you're spending at a glance and over time.

There's a lot to love about the Macquarie Bank Transaction account debit card starting with no fees, no foreign transaction fees, no ATM fees in Australia or overseas. In addition the only fee you will pay is the currency conversion charged by Mastercard.

The debit card works in Australia and the contactless limit is $200, which is super handy. It also works with Apple Pay, Google Pay, Fitbit and Garmin. Finally it has tools to help you track your spending, can be given to teenagers over 14 and is easy to lock or unlock your card through the app if lost or stolen.

HSBC Everyday Global Debit Card

• No initial card or closure fees
• No monthly or account fees
• No international ATM fees
• No cross currency conversion fees
• Lock in very competitive exchange rates before travel
• No maximum balance
• Earn 2% cashback

• 10 Currencies can be loaded are AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
• Awarded 5 gold stars by CANSTAR in 2021 for Outstanding Value
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with Visa pay wave, Apple Pay or Google Pay for purchases under $100. With a maximum of $50 cash back per month. In addition you need to deposit $2,000 or more into your Everyday Global Account each calendar month.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Debit Card is a good option to take travelling and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees. In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Finally it is one of the only travel cards that offers Chinese Yuan. To avoid ATM fees you need to find HSBC branches in Australia and only use ATMs overseas with a VISA or VISA Plus logo.

• No ATM fees
• No account keeping fees
• Can be used in Australia with no additional costs
• No fees for paying via bank transfer or Bpay
• Transfer limits can be set by user

• As long as you you deposit at least $1000 and make at least 5 payments each month ING will waive international transaction fees and refund overseas ATM withdrawal fees
• Can be used in all countries
• Can be used in Australia to buy goods overseas and not pay international transaction fees
• Works with Apple Pay and Google Pay
• Visa currency conversion rates apply, which are normally 4% above market

The ING Orange Everyday Account Debit Card is a good card for most Australians travelling overseas for ATM access, with no fees. It also allows you to to buy goods online without an international transaction fee.

Furthermore you can use it in Australia for free and there are no fees to get your initial card, for account keeping or to top up your card. A word of caution however, if you travel overseas for longer than 1 month, you still need to deposit at least $1,000 and make at least 5 payments each month to get the rebates.

Why Choose a Travel Debit Card?

Travel debit cards offer several advantages over traditional credit cards and cash:

• Lower Fees: Many travel debit cards come with lower or no foreign transaction fees, saving you money on every purchase.
• Security: Enhanced security features such as chip-and-PIN technology and 24/7 fraud monitoring help protect your finances.
• Convenience: Easy access to local currency at ATMs worldwide ensures you can always have cash on hand when you need it.
• Budgeting: Helps you manage your spending by using funds directly from your account, avoiding the temptation of credit card debt.

Key Features of Travel Debit Cards

When selecting a travel debit card, it's important to consider the following features:

• These fees are charged on purchases made in a foreign currency. Many travel debit cards offer low or no foreign transaction fees, making them a cost-effective choice for international travel.
• Look for cards that offer free or reimbursed ATM withdrawals worldwide. This can save you significant amounts of money, especially if you frequently withdraw cash during your travels.
• Ensure the card offers competitive exchange rates for currency conversion. Some cards use the interbank rate, which is often the best rate available.
• Opt for cards with robust security measures such as chip-and-PIN technology, 24/7 fraud monitoring, and emergency card replacement services. These features provide peace of mind and protect your money.
• A user-friendly mobile app can enhance your travel experience by providing instant notifications, easy account management, and real-time spending analytics. Look for cards that offer a comprehensive mobile banking experience.

How to Choose the Right Travel Debit Card

Selecting the right travel debit card involves considering your travel habits and financial needs. Here are some factors to consider:

• Travel Frequency: If you travel frequently, a card with no foreign transaction fees and free ATM withdrawals is essential. Occasional travelers might prioritize other features, such as ease of use or customer service.
• Destination: Consider where you'll be traveling. Some cards are better suited for specific regions or countries, offering better ATM networks or lower fees in those areas.
• Spending Habits: Analyze your spending habits to determine what features are most important. For example, if you make frequent small purchases, a card with no foreign transaction fees will be beneficial.
• Existing Bank Relationship: If you're already happy with your current bank, check if they offer a travel debit card that meets your needs. Switching to a new bank can sometimes be a hassle, so starting with your existing bank might be the easiest option.

Additional Tips for Using Travel Debit Cards

• Inform your bank about your travel plans to prevent your card from being blocked for suspicious activity. Many banks offer the option to set travel alerts online or through their mobile apps.
• Always have a backup card in case your primary card is lost or stolen. A second debit card or a credit card can be a lifesaver in emergencies.
• Have your bank’s contact details readily available in case you need to report a lost or stolen card. Store these details in a secure location, separate from your wallet.
• Regularly check your account for any unauthorized transactions and report them immediately. Most mobile banking apps allow you to set up instant transaction alerts for added security.
• Use ATMs located inside banks or well-lit, secure areas. Avoid using ATMs in isolated or unsafe locations to minimize the risk of theft or fraud.

Understanding Travel Debit Card Fees

Travel debit card fees can vary, so it's important to understand what fees might apply. Common fees include:

• Foreign Transaction Fees: A percentage fee charged on purchases made in a foreign currency. Some cards waive this fee, making them ideal for international travel.
• ATM Withdrawal Fees: Fees for withdrawing cash from ATMs abroad. Some cards offer fee reimbursements or no fees at all, while others may charge a flat fee per withdrawal.
• Currency Conversion Fees: A fee for converting your home currency to the local currency. Cards offering real exchange rates with low or no conversion fees are preferable.
• Inactivity Fees: Some cards may charge a fee if the card isn't used for a certain period. Check the card's terms to avoid unexpected charges.
• Account Maintenance Fees: Monthly or annual fees for maintaining the account. Some travel debit cards waive these fees if you meet certain criteria, such as maintaining a minimum balance.

Best Practices for Managing Your Travel Finances

• Don't rely solely on one card. Carry a mix of payment methods, including a backup debit card, a credit card, and some local currency. This ensures you have options in case one method isn't accepted or your card is lost or stolen.
• Use your bank's mobile app to set travel alerts. This can help prevent your card from being flagged for suspicious activity and ensure smooth transactions while you're abroad.
• When withdrawing cash, use ATMs located inside banks or in well-lit, secure areas. Avoid using ATMs in isolated or unsafe locations to minimize the risk of theft or fraud.
• Monitor exchange rates to understand how much you're spending in your home currency. Use apps or tools that provide real-time exchange rates to ensure you're getting a fair deal on currency conversion.
• Be cautious with your card information. Use secure Wi-Fi connections and avoid public Wi-Fi when accessing your banking information. Consider using a VPN for added security.
• Know what to do if your card is lost or stolen. Have a plan in place for contacting your bank, getting a replacement card, and accessing emergency funds.

How Travel Debit Cards Compare to Other Payment Methods

Travel debit cards are just one option for managing your finances while traveling. Here’s how they compare to other popular payment methods:

• Pros: Credit cards often come with travel rewards, purchase protection, and additional security features. They can be useful for large purchases and emergencies.
• Cons: Credit cards typically have higher foreign transaction fees and interest rates. They can also lead to overspending if not managed carefully.
• Pros: Cash is widely accepted and can be useful in places where card payments are not available. It also helps you stick to a budget.
• Cons: Carrying large amounts of cash can be risky. Exchange rates at currency exchange booths may not be as favorable as those offered by travel debit cards.
• Pros: Prepaid travel cards allow you to load money in different currencies, locking in exchange rates before you travel. They offer similar security features to travel debit cards.
• Cons: Prepaid cards often come with various fees, such as loading fees, ATM withdrawal fees, and inactivity fees. They also don't offer the same level of flexibility as debit cards linked to a bank account.
• Pros: Traveler’s checks are secure and can be replaced if lost or stolen. They are accepted at many banks and currency exchange locations.
• Cons: Traveler’s checks are becoming less common and may not be accepted everywhere. They can also be cumbersome to use compared to modern payment methods.

Real-Life Scenarios: Using Travel Debit Cards

• Scenario: You're backpacking through several European countries and need easy access to your money without worrying about high fees.
• Solution: A travel debit card with no foreign transaction fees and free ATM withdrawals would be ideal. You can easily withdraw cash in local currencies and make purchases without worrying about extra charges.
• Scenario: You're on a business trip in Asia and need a reliable payment method for hotel bills, meals, and transportation.
• Solution: A travel debit card with competitive exchange rates and robust security features can ensure your transactions are smooth and secure. The mobile app can help you keep track of your expenses in real-time.
• Scenario: You're on vacation in South America and want to stick to a budget while exploring different cities.
• Solution: Using a travel debit card helps you manage your spending by only using funds available in your account. Instant notifications and spending analytics in the mobile app can help you stay on budget.

The difference between a debit card and a travel card is that you preload a travel card with foreign currency before you leave. The exchange rate is set for your time overseas. Most preloaded currency cards have 10 different currencies on them for you to choose from.

A debit card only has Australian dollars in it. You pay a currency conversion fee every time you make an online overseas purchase or pay with your debit card overseas.

Using a debit card overseas is similar to how you use it in Australia and you wave your card over the charging device. You might be asked to key in your pin, which will be the same pin as you use in Australia. It is always advisable to let your bank know you are travelling overseas as they might block the transaction.

A travel card is better for currency exchange rates and a debit card is better for convenience. Both are equally good for security. A travel card has a cheaper currency exchange rate around 2% however a debit card is more expensive at around 4%. A debit card can be used in Australia once your travels are over and if you choose Macquarie , Up Bank , Citibank , HSBC or ING you will not pay for foreign transaction fees.

A good travel debit card will save you lots of money and does not charge monthly or account keeping fees. It does not charge a foreign transaction fee or fees to withdraw cash from ATMs in Australia or abroad. It has good security and is easy to transfer funds into when overseas.

You can use most Australian debit cards overseas, if you advise your bank you are travelling overseas in advance. In some cases you can not use your Australian debit card overseas, so it is best to check before you depart Australia.

The first thing to look for are no foreign transaction fees, these can be between 3-5%. Second, you need to look for a debit card that does not charge for overseas ATM withdrawals, as these can be $5 per transaction plus 3%. Therefore a cash withdrawal of $300 will withdraw $314 from your account.

Third, you need to look for a debit card with no monthly fees or account keeping fees. Finally you need to choose a debit card with good security and is easy to transfer money into while you are travelling overseas.

The pros of using a debit card overseas is that they are very convenient as you can use them when you return to Australia to pay for everyday items like groceries and fuel. They are generally accepted in most places around the world especially if they are linked to Visa or Mastercard.

The cons of using a debit card overseas is that they can get expensive if you choose one with foreign transaction fees, monthly fees and fees for withdrawing cash from ATMs.

Luckily the days of having to call an international number to report a stolen or lost card are gone. In most cases you should be able to notify your bank through the mobile app your debit card has been lost or stolen and they will deactivate your debit card immediately to stop unauthorised spending.

If you choose a Macquarie , Up Bank , Citibank , HSBC or ING debit card then you will not have any ongoing fees with an overseas debit card. If you choose the Commonwealth World, the NAB Platinum or Westpac Choice debit card you will have ongoing monthly fees.

It's simple. To move money to your debit card overseas, you login into the account you want to transfer money from and transfer your Australian dollars to the bank account that is linked to your debit card overseas. If your bank uses OSKO or Pay ID this should happen immediately, even if you are overseas at the time.

According to NerdWallet Mastercard gives the best currency conversion rates globally, giving better rates 70% of the time. This includes the major traded currencies such as the US dollar , Euro, Great British Pound , Australian dollar, Japanese yen , Hong Kong dollars, Canadian dollars , Singapore dollars , Swiss francs and New Zealand dollars . However Visa does give better currency conversion rate for Thai baht , Hungarian forint, Icelandic Krona and Tunisian dinar.

Travel debit cards are widely accepted at ATMs, restaurants, hotels, and retail stores around the world. However, acceptance may vary in more remote or rural areas, so it's always good to have some local currency on hand as a backup.

While you can use your regular debit card for travel, it may not offer the same benefits as a dedicated travel debit card, such as lower foreign transaction fees or free ATM withdrawals. Check with your bank to see what fees and charges may apply.

If your travel debit card is lost or stolen, contact your bank immediately to report the loss and request a replacement card. Most banks offer emergency card replacement services and can assist with accessing emergency funds.

To avoid ATM fees, look for travel debit cards that offer free or reimbursed ATM withdrawals worldwide. Additionally, use ATMs within your card's network to minimize fees, and withdraw larger amounts of cash less frequently to reduce the number of transactions.

While travel debit cards offer many benefits, there are some potential downsides. These can include ATM withdrawal limits, fees for certain transactions, and the need to manage your account balance carefully. However, for most travelers, the advantages outweigh the drawbacks.

Learn more about the best travel money, credit and prepaid cards for travel

Prepaid Travel Card

Best Travel Card

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Learn more about the best travel money cards for your holiday destination.

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Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

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I am planning an 8-week holiday next year (2023) to Europe and I'm wondering what the best company would be to use for travel cards. I used to go through ANZ, but they don't use them anymore.

Which company would be best to use/ most reliable and with low conversion fees, atm etc?

17 replies to this topic

The best credit card is the Latitude 28 degrees Global Platinum

The best debit card is subjective, but I use the ING orange everyday debit Visa as it gives you back the ATM fees for any ATM worldwide instantly. as well as no transaction fees and great Visa FX rates.

The ING requires you to tell them you are travelling otherwise they will put a hold on your account until you let them know that it was you making the transaction OS.

This post has been removed at the author's request.

Travel cards are not and never have been good value.

We are currently on a 3month RTW trip.

I have the Latitude Platinum credit card and it has worked perfectly but do make sure you have a PIN. Not everyone uses tap and go.

I have transferred all $ into € so I can withdraw cash there without fees.

And YES we do need cash to tip guides, pay for some taxis and in some places pay for public toilets.

As others have said, ING and Citibank offer good debit cards with no fees for overseas transactions. ING has conditions on account usage to get the benefit. Citibank doesn't.

Travel cards have very high fees and offer little benefits over low fee cards.

Latitude platinum (28 degrees) also is a credit card with no fees.

Citibank have always been the most reliable. Don't have to declare overseas travel. Unusual for cards to be put on hold. Don't know how that will vary now that they are taken over by NAB - but still seems to work for me.

Another plus 1 for the Citibank and Latitude cards. We used both on overseas trips without any problems in fact latitude were right on the ball earlier this year alerting me to fraudulent transactions that took place two years after our last overseas trip. The result was the card was promptly cancelled and a new one issued and I received a full refund for the transactions that occurred in a country I had never been to

I am happy to recommend both cards for overseas travel.🤠

You need two cards - a debit card for withdrawing cash and a credit card for paying for goods and services. You need to find ones that offer 'no fees for foreign exchange transactions'. If you search on those terms, you will come up with a list of those available for Australians. You won't find any from the big 4 banks, who will charge you plenty of fees and hide them deep in their terms and conditions. Whatever you choose, read the fine print.

I use the Latitude 28 Degrees credit card, and the HSBC Everyday Global debit card. Both have been very vigilant with any attempts at fraudulent transactions.

Wise, previously Transfer Wise are the best - we've used them for years as they have a very different model to bank cards.

https://wise.com/au/

I have a Wise debit card and funds in GBPounds and Euros as well as NZ$ andAu$ but Covid has meant that I have not had to use it. I am planning to go to Iceland next year and was disappointed to find they do not deal in Icelandic Kronor. Strange as I was about to open accounts in Bulgarian lev and Romanian lei in 2020 before I pulled the plug on my travels, I was not surprised they did not have Albanian currency.

They inform me they will take the money from the currency with the best exchange rate. I am guessing Euro. I could open funds in US$.

Bella, even their own research shows that Citibank is a better card.

They also do not disclose the ATM fees for withdrawal. Citibank has ATM's worldwide where the fees are free. ING allows fee-free withdrawals at ALL ATM's everywhere. If you find it easy like me to deposit $1000 per month and make 5 transactions, then ING is the best and most cost effective.

Another note is ING, Citibank & HSBC debit card accounts are free (I actually have all 3 but only use the ING), Wise charges $10.00

I cannot imagine withdrawing $350 cash each month. I spent just under $200 cash in 6 weeks when I was recently in Australia, mainly north Queensland. Except for the morning at the Cairns Markets, I did not really need to use that amount.

I have an ING account which I used for savings when I lived in Australia. It now hold $1.50

I prefer my Australian super to be paid into my Wise account and then, unless I need it for travel, I transfer it immediately to NZ. They do charge me 57 cents to transfer to my St George account. NZ interest rates are currently higher than Australia.

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ING Car Insurance

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Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.

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Hospital and Extras cover options to fit your lifestyle. Find yours in a few simple steps.

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Save 30% on your first year's premium when you purchase a combined ING Home and Contents Insurance policy online. T&Cs apply - see disclaimer below.

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Credit card for travel

Credit cards are a great companion for when you're travelling overseas. Whether you've already booked your trip or are about to, an Orange One credit card comes packed with features that could help you and your travel budget go further.

Australian credit cards all have global acceptance and can be used to shop overseas, book most hotels, restaurants and entertainment venues around the world. When choosing a credit card for travel, here are some features you should consider:

Annual fee - most credit cards with rewards and travel perks have higher annual fees, some worth $400 or more. Make sure you check the annual fee costs when choosing one that's right for you and weigh up the benefits.

International transaction fees - These fees can really add up! With fees of up to 3.6% of any purchase made overseas (that includes shopping on overseas websites), the added cost of international transaction fees when booking your travel like flights or accommodation (often on overseas websites) can hit hundreds of dollars fast. Not to mention the fees when paying for things overseas like shopping, eating, taxis and adventures. Orange One credit cards comes with $0 international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month - potentially hundreds of dollars in savings for a credit card that comes with no annual fee!

Complimentary international travel insurance - using a credit card that includes this benefit can help you save on buying additional travel insurance cover. Travel insurance really is a necessity to pack when it comes to travelling. Not having it could cost you thousands (even hundreds of thousands) of dollars if something unexpected were to happen, such as getting sick, injured or travel disruptions.

Be sure to do your own research when it comes to the level of cover you need when travelling. Compare your needs to inclusions that are included with your credit card travel insurance. The most important part of any travel insurance is that it meets your needs, and don't forget, be sure you are across what you need to do to be eligible for your credit card insurance - whether you have to make a minimum spend on your travel or activate it. We've pulled together a few points to consider when checking the cover is right for you:

Who is covered? Is it just for the primary cardholder, additional cardholders or family member?

What are the cover limits?

What are the excesses?

Are there any exclusions? Such as age limitations?

Are you covered for any pre-existing medical conditions?

What do you need to do to activate it

Understand any and all terms and conditions, be sure to read the fine print!

You will receive complimentary international travel insurance when you are approved for a credit limit of $6,000 or more on an Orange One credit card .

Instalment plans - are a handy feature to help you manage your finances. You can convert your flights, hotels or even your total card balance into instalments that you can pay back over time and at a lower interest rate. Depending on the amount, Orange One instalment plans can be from 3 months up to 7 years with a maximum of 10 plans per account. Conditions, fees and charges apply.

Pay with your phone. Because you're mobile, Orange One credit cards are too. Just set up Apple Pay or Google Pay to use Orange One with your compatible device when travelling.

Check out Orange One Low Rate or Orange One Rewards Platinum and see how they can help you on your next trip.

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Travel money vs debit card: What’s best to use while travelling?

When she set out on her overseas trip, she thought she was devoted — but then this traveller found a cheaper, more convenient alternative.

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Dosh, dough, cabbage, coin, moolah … whatever you call it, it’s a great source of worry for many travellers, especially first-timers, when heading off overseas.

What’s the best strategy: travel card, credit card, cash or all three? Should you take your everyday debit card? And how can you ensure you’re not getting completely screwed?

Mo Money, Mo Problems, right?

From my first overseas trip to Bali when traveller’s cheques were still a thing to my latest trip to Stockholm, which is essentially operating in a cashless economy, I’ve tried many a money hack in the pursuit to keep fees down.

On an extended trip earlier this year, I thought I was devoted to my Qantas Travel Money card — exchanging into “wallets” for GBP, EUR and USD when the rates were favourable — but in the end, I ditched it for my everyday ING account.

The conversion rates were on par, if not better. There was no lag time between loading money and having access. And not only does ING waive international conversion fees (if you meet some simple requirements), while I was away, they started refunding any fees incurred from foreign ATMs.

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Which makes me wonder, are travel cards starting to go the way of traveller’s cheques? I decided to check in with finance guru, Scott Pape, aka The Barefoot Investor to get his take.

“For many years the banks’ travel cards offered fairly good ways to lock in your rates,” says Pape.

“There were no surprises; you go to the bank, you buy a certain amount of currency, they’d screw you on the rate, but you’re like, you know what, I can live with that. And recently what we’ve seen is a number of banks dropping their international currency conversion fees.”

Finder.com.au recently put everyday transaction accounts through their paces when it comes to spending abroad and found as well as the ING Orange Everyday Account, the HSBC Everyday Global Account, Citi Global Currency Account and NAB Classic Banking with Platinum Visa Debit Card all offer no foreign transaction fees, however there are a few conditions.

“People tend to get really focused on the currency rate that they get … what you need to be watching out for are the additional fees and charges that the banks will put on,” says Pape.

“If you’re with one of the big four and you’ve got an everyday transaction account or credit card, I’m probably not using that overseas.”

5 MORE TRAVEL MONEY HACKS FROM THE BAREFOOT INVESTOR

1. DON’T RELY ON CREDIT CARD TRAVEL INSURANCE

“It probably won’t cover you for the really big stuff. I would be looking independently at what gives me the best, most adequate cover to wherever I’m going.”

2. BOOK IN ADVANCE

“If you can book your holiday in advance, obviously you get better deals. But secondly, you actually have the anticipation of saying, in 12 months’ time I’m going to be in New York, in Bali, whatever, so you actually look forward to it and enjoy it more.”

3. LEAVE THE CREDIT CARD AT HOME

“A lot of people tell me, because I look like this anti-credit card guy, they can’t rent a car. I travel a lot, and I’ve never had that happen to me. Generally what they’ll do is hold a bond and then refund that bond. That can kind of suck but … as long as you budget for it, you’re going to be better off than if you spend a load of money on a credit card.”

4. DON’T EXCHANGE MONEY AT THE AIRPORT

“Only dumb rich people get money out at the airport. It’s like doing your grocery shopping at David Jones food court — not many people can afford to do that.”

5. KEEP SOME PERSPECTIVE

“People tend to get really freaking OCD about exchange rates. And you go, look dude, it’s like $7 that you’ve spent five hours researching for. Just relax and have a beer.”

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ING Credit Cards

Ing orange one low rate credit card.

Updated 10 May 2024

It's all in the name: this is a card with genuinely low interest rates, no annual fee and up to 45 days interest-free to pay off your purchases. 🛍 The ING Orange Low Rate credit card also comes with a stellar instalment plan so you can pay off larger purchases at 9.99% p.a. for up to 7 years.

If eligible, you can save on ING international transaction fees when you're shopping overseas or online, or access complimentary international travel insurance.

Purchase Rate (p.a)

Balance transfer (p.a), annual fee (p.a), interest free period (up to).

45 days on eligible purchases

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0."> $ 0

My transfer amount, balance transfer from:, my annual fee, my interest rate.

Your savings • The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.">

• Pros & cons
• Rates & fees
• Eligibility

Pros and cons

• No annual fee
• Low interest rate at 11.99% p.a. on purchases and cash advances
• Pay off purchases over $250 in instalments at a lower rate
• Save on international fees when you meet the eligibility criteria
• Up to 45 days interest free on purchases
• Add to Apple Pay and Google Pay digital wallets
• Extra cardholders are $10 per year, each
• You will open an ING transaction account during the application process

Creditcard.com.au review

Editor review, who suits the ing orange low rate card, overall rating.

The ING Orange Low Rate card lives up to the ING creed: simple, straightforward and good value (but ironically, not orange - it's a grey card). I give ING a nod for this one because this card does offer great value for those looking for cards with low fees, and has a few little extras up its sleeve. The instalment plan feature is unique in that you can pay off a purchase for up to 7 years, where most other banks only offer up to 4 months.

There are also a ING also offers a couple of great extras that you can unlock if you meet the eligibility criteria. These include a platinum card upgrade with free complimentary insurance, and a rebate on ING's international transaction fees when you're spending overseas or online. That alone is a pretty great perk for a card with no annual fee.

It's important to note that during the application process, you'll be asked to open an ING transaction account. There are no monthly costs on the account and it's up to you if you choose to use it, but using the account is part of the eligibility criteria for the international transaction fees. I'll explain this in detail below.

Editors Review: what I love about the ING Orange One Low Rate Credit Card

I've already given you the birds-eye view of this card and I think it's pretty easy to see what this card is for: it's a simple, cheap way to access a line of credit when you need it. It doesn't cost the earth in interest and it doesn't cost anything to keep as long as you stay away from fees and interest charges.

I'll run through its features first, then we'll look at any not-so-pretty parts.

No annual fee: that's it. There is no annual fee on this card, ever.

Low interest rate: the ING Orange One Low Rate has one of the lowest variable interest rates around at 11.99%. As usual, the best course of action is to pay off your card in full each month, but if you can't do that then a low-interest card can make it easier to keep on top of your repayments.

No international transaction fees or ATM withdrawal fees: this is a really great extra to have on a credit card, but ING does have some stipulations. To access the rebate on international transaction fees and ATM withdrawal fees, you need to have deposited $1000 to your personal ING bank account and make 5 or more fully-processed card purchases each month. Each month you meet the criteria, your ING foreign transaction fees are credited back to your account (but note that you might be charged a separate fee by the merchant). See the PDS for full details.

Free upgrade to ING One Low Rate Platinum card: ING says that Orange One Low Rate customers who are approved for a credit limit of $6000 will receive an Orange One Low Rate Platinum card, which has the same features but also comes with complimentary international travel insurance. You'll need to wait for approval to see what your credit limit is.

Repay in low-interest instalments: you can manage purchases over $250 by paying them off in instalments over 3 months all the way up to 7 years, depending on the amount. The interest rate on instalments is 9.99% p.a., which is even lower than the standard variable rate. Instalment plan repayments are added to your total payment amount each statement period. You can have up to 10 active instalment plans at a time, and there are no fees to set it up, change the plan length or if you pay it off early.

Everywhere you look, this card finds a way to save costs. You'll get 45 days interest-free on new purchases as long as you pay your card off in full each statement period. You won't even pay a dishonour fee or an over-limit fee. It's a pretty neat card all round, if you're looking for something cheap to keep and save on some fees.

What’s not so great...

The ING Orange One Low Rate credit card does a great job of being a low-cost card, but it won't dazzle you with rewards and big features. The savings on foreign fees and the upgrade to Platinum is good if you're eligible, but otherwise this is a card suited for people who want access to credit and don't want to pay a fortune on interest charges and annual fees.

To be eligible to apply for this card you need to have a personal bank account with ING. If you don't have one, you'll be asked to create one during the application process. The ING bank account is where all payments and rebates will flow to and from, but it's up to you whether you use it as your primary account. Just know that to access the rebate on international fees and ATM withdrawals, you need to meet the other terms I've listed above, which includes depositing $1000 from an external account and making 5 fully-processed transactions each month. It's definitely a good idea to read the PDS to make sure you're ticking the boxes.

One final but very important note is that this card isn't currently available to self-employed people.

Who suits this card?

The minimum credit limit is $1000, which means it could suit a first-time cardholder or someone who wants an emergency fund that doesn't cost anything in ongoing annual fees (in case you're wondering, the maximum limit is $30,000). It's also a good fit for those wanting very low interest rates.

The ING Orange Low Rate card has a few very specific extras like the free upgrade to the Platinum card and the rebate on international transaction fees, but those offers are very specifically targeted to people who meet the criteria. They're a bonus if you get them, but even without the bonuses this card has some great low-cost features.

User reviews

Ing orange one low rate credit card ( based on 4 creditcard.com.au user reviews ), 93% rating based on 4 reviews, customer service, 75% of users who have rated this card would recommend it, review the ing orange one low rate credit card, rewards (not available for this card).

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Personal Finance Expert - Creditcard.com.au

Good card , but Orange One is not currently available to self-employed applicants .

Rates and fees

Interest rates.

Purchase rate 11.99 % p.a.

Cash advance rate 11.99 % p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $1,000

Maximum credit limit $30,000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee $10

Foreign transaction fee 3%

Minimum repayment 5% or $100 (whichever is greater)

Cash advance fee $3 or 3% (whichever is greater)

Late payment fee $20

Additional features

Complimentary insurance.

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Eligible with Apple Pay and Google Pay

The ING Orange One Low Rate credit card has no annual fee and a low 11.99% p.a. on purchases and cash advances. Eligible customers can earn a rebate on ING international transaction fees and ATM fees, and accounts with a credit limit higher than $6000 will be upgraded to a Platinum card with complimentary travel insurance.

Key features

• No annual fee ever
• 11.99% p.a. on purchases and cash advances, and an even lower variable 9.99% p.a. on instalments
• Use instalments to pay off large purchases over set terms of your choice
• Rebate the international ATM fee and foreign currency conversion fee when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled (not pending).
• Additional cardholders at $10 per card per year

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

You must be an employed Australian citizen, New Zealand or Australian permanent resident

Minimum income of $36,000 p.a.

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

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Purchase Rate  

Balance Transfer  

NAB Low Rate Credit Card – Balance Transfer Offer

0% on balance transfers for 28 months.

2% BT fee applies; reverts to 21.74% p.a. Enjoy $0 annual fee for the first year ($59 thereafter) plus, low variable purchase rate of 13.49%. New members only.

Low variable purchase rate of 13.49% p.a. No annual fee for the first year and get a free additional cardholder.

Purchase rate

Balance transfer.

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• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

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My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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• ABN: 76 646 638 146
• ACR: 528318
• AFCA: 80717

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My monthly card spend $5000

Rewards program

Benefits i like

• All reward programs
• Airport lounge access
• Balance transfers
• Bonus points offer
• No foreign transaction fee
• Overseas travel insuarance
• Uncapped points earn

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