ING Orange Everyday
Australian bank account with fee rebates on international ATM withdrawals when monthly criteria are met.
Visit ING AustraliaATM detail: Rebates all ATM fees globally including operator fees when monthly criteria are met. Criteria: deposit $1,000+ and make 5+ purchases per month.
Our verdict
ING Orange Everyday beats Up for ATM use because it rebates operator fees too — truly free cash globally. The catch: you need to deposit $1,000 and make 5 purchases every month. For Australians who bank actively with ING, this is the best ATM card available.
Full review
ING Australia's Orange Everyday account and linked Visa debit card offer one of the most competitive international spending propositions for Australian residents: zero international transaction fees and rebated ATM fees internationally (subject to meeting monthly deposit and spending criteria).
The ATM rebate policy is particularly attractive: ING Australia rebates any international ATM fees charged by overseas ATMs when the cardholder meets the monthly bonus conditions (deposit AUD 1,000+, make 5+ card purchases). This effectively makes ATM use anywhere in the world free for qualifying cardholders — a policy similar to Schwab Investor Checking in the US.
The monthly bonus conditions are the critical nuance. If you don't meet them in a given month, the standard 2.5% international transaction fee and no ATM rebates apply. For Australians who use ING as their primary account with regular salary deposits and regular spending, meeting the criteria is typically straightforward. For Australians who maintain ING as a secondary travel account without regular deposits, qualifying is harder.
The exchange rate is the Visa network rate — approximately 0.3-0.5% above mid-market — with no additional margin from ING when the bonus conditions are met. This is competitive with Up and better than most Australian bank cards that charge 2-3% for international transactions.
ING Australia is a full Australian banking institution (ADI) regulated by APRA, with standard deposit protection. The Orange Everyday account pays interest on positive balances and has no monthly fee. As an everyday banking product that doubles as an excellent travel card, the ING Orange Everyday is one of the best-value options for Australian residents who can reliably meet the monthly qualifying criteria.
Pros
- Rebates ALL ATM fees globally including operator fees — better than Up for cash
- Zero foreign transaction fee
- No monthly fee
- Visa rate — competitive
Cons
- ATM rebates require monthly criteria (deposit $1,000 + 5 transactions)
- Australia only
- No rebates in months criteria not met