ING Australia review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING Australia suits everyday spenders and travellers in Australia who want a monthly fee of AUD 0 and a currency conversion fee of 0% on the Orange Everyday account. It scores 5.5 out of ten here, with a cost part of 7.2, so the strength sits in the fees.
Key facts
- Best for
- Everyday Australian banking with no monthly fee, free ATMs and easy-access savings.
- Monthly fee
- A$0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- A$0↗
- Transfer fee
- Free (domestic pay anyone, BPAY, eftpos, Australia Post)↗
- Legal entity
- ING Bank (Australia) Limited ABN 24 000 893 292↗
- Headquarters
- Australia↗
- Founded
- 1994↗
- Support channels
- Help-centre, Phone, Chat↗
- Audience
- Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals, Joint account
- Official website
- ing.com.au
Pros and cons
Pros
- Monthly fee of AUD 0 and a currency conversion fee of 0% on the Orange Everyday account, with an account model of no monthly fee and low fx
- Easy-access savings with on-demand access, instant transfers online, by phone and in the mobile app through a linked Orange Everyday account
- Domestic payments to anyone, BPAY, eftpos and Australia Post transfers are Free (domestic pay anyone, BPAY, eftpos, Australia Post)
- Free ATMs are a listed feature with an allowance of AUD 0, and a joint account is also offered
Cons
- Support runs on help centre, phone and chat, so there is no branch or email channel listed for anyone who prefers written help
- The savings account pays a variable rate, so the return moves with the cash rate rather than being locked for a fixed term
- Savings access is on-demand through a linked Orange Everyday account, which ties the savings product to the everyday account
Who it suits
- Travellers in Australia who want a currency conversion fee of 0% and a monthly fee of AUD 0 at the same time
- Everyday spenders who want a free ATM allowance of AUD 0 and a monthly fee of AUD 0 on the everyday account
- People who want a joint account plus savings with on-demand access, since the account kind is easy access
Who should look elsewhere
- Anyone after a fixed savings term, since the rate type is variable; XTB is an alternative for euro-based savers instead
- Anyone who needs branch or email support, since support runs on help centre, phone and chat for phone, chat and help centre
- Travellers who want a euro wallet rather than an Australian bank account, where Skrill charges a monthly fee of €0 on its own terms
How ING Australia compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0A monthly fee of €0 too, but on a wallet rather than a bank account, so the joint account option does not carry over.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where ING Australia is available
- Available
- Australia
- Licence in Australia
- Australian Prudential Regulation Authority (APRA), checked September 26, 2026
- Licence in Australia
- Australian Securities and Investments Commission (ASIC) - Australian Financial Services Licence (229823), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Orange Everyday account cost to run?+
The monthly fee is AUD 0 on the Orange Everyday account. Domestic payments to anyone, plus BPAY, eftpos and Australia Post, are Free (domestic pay anyone, BPAY, eftpos, Australia Post). The account model is no monthly fee and low fx, so there is no monthly charge to offset against everyday spending.
How much does ING Australia charge to convert currency?+
The currency conversion fee is 0% on the Orange Everyday account, and travel sits in the audience the product is aimed at. It holds the front spot in the site ranking on this measure, at 1 out of 312 brands compared.
What is the free ATM allowance on the everyday account?+
The ATM allowance is AUD 0 on the Orange Everyday account, and free ATMs are one of the listed features. Domestic payments to anyone, BPAY, eftpos and Australia Post are Free (domestic pay anyone, BPAY, eftpos, Australia Post) on the same account.
Who regulates ING Australia and who is behind the accounts?+
The bank is regulated in Australia by the Australian Prudential Regulation Authority, and it holds an Australian Securities and Investments Commission financial services licence. The legal entity behind the accounts is ING Bank (Australia) Limited ABN 24 000 893 292.
How do I get at money in the savings account?+
Access is on-demand, with instant access via a linked Orange Everyday account. Transfers work online, by phone and in the mobile app, and the account kind is easy access, so savings stay reachable instead of being tied to a term.
What kind of interest rate does the savings account pay?+
The rate type is variable, so the return follows the cash rate rather than being fixed for a term. The account kind is easy access, which suits people who want savings they can draw on without giving notice.
How do I get help with the account?+
Support runs through help centre, phone and chat, so help comes from a help centre, by phone or in chat. The same everyday account lists a joint account option, and a free ATM allowance of AUD 0 applies to card use.
Can I open a joint account?+
A joint account is one of the listed features of the everyday account, so two people can hold it together. The account model stays no monthly fee and low fx, which means adding a second holder does not bring a monthly charge.
Sources
- ing.com.au/about-us/who-we-are-company.html checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Holder of an Australian banking licence since 1994.”
- ing.com.au/everyday-banking.html checked September 26, 2026
Backs: Audience, Features
“No ING international transaction fees ... Orange Everyday Visa Platinum debit card. Available worldwide where Visa is accepted.”
- ing.com.au/rates-and-fees/orange-everyday-fees.html checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Pricing model, Monthly fee, Support channels, Transfer fee
“Orange Everyday: Domestic ATM withdrawal & balance enquiry - Free (third party ATM operator fees may apply)”
- ing.com.au/savings/savings-maximiser.html checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Transfer cash online, over the phone, and mobile app for instant access via your linked Orange Everyday account.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.
Related by the facts
ING Australia
Everyday Australian banking with no monthly fee, free ATMs and easy-access savings.