Living in Sydney

Panduan Membuka Rekening Bank ING di Australia｜Dapatkan Bunga 5.0% + Bonus $100!

ING adalah bank yang paling saya puas gunakan selama tinggal di Australia!

Sekarang sedang ada promo bunga tinggi 5.0% per tahun + bonus $100 jika memasukkan kode referal, waktu yang tepat untuk membuka rekening.

Saya juga membuka rekening lewat promo ini 2 tahun lalu, dan sampai sekarang masih menjadi bank utama saya!

💡Kenapa rekomendasi ING?

✅ Bunga tinggi 5.0% per tahun (untuk rekening tabungan)
✅ Bonus $100 dengan memasukkan kode referal
✅ Pengembalian biaya transaksi luar negeri
✅ Pengembalian biaya penarikan ATM 5 kali per bulan
✅ Aplikasi mudah digunakan dan intuitif

Bank lain seperti Commonwealth, NAB hanya memberi bunga 2-3%, tapi ING masih 5.0%!

🗓️ Periode Promo & Info

Periode promo: 1 Juli 2025 – 30 September 2025
Kode referal: Jtd082

📝 Persiapan Sebelum Membuka Rekening

Paspor atau KTP Australia (ID)
Bukti domisili di Australia (misalnya: rekening bank)
Handphone untuk verifikasi SMS
Waktu sekitar 10-15 menit

🏦 Cara Membuka Rekening (Ringkas)

Buka situs resmi ING atau klik link referal

👇

https://campaigns.ing.com.au/refer?code=Jtd082&p=a

Klik "Open Now" > "New Customer" > pilih "Single Account"
Isi data pribadi, kontak, kewarganegaraan / info pajak
Centang untuk buka rekening tabungan (Saving Maximiser) juga

✨Masukkan kode referal Jtd082 (otomatis jika lewat link)

🧡 PENTING: Tanpa memasukkan kode referal, tidak dapat bonus $100!

🪪 Cara Verifikasi Identitas

Jika punya ID Australia, bisa verifikasi mudah
Kalau tidak, bisa pakai paspor + rekening bank
Rekening bank bisa diunduh dalam format PDF di aplikasi/web Commonwealth
Rekening harus memuat nama, alamat domisili, dan tanggal dalam 6 bulan terakhir

📨 Kadang dapat email minta verifikasi di kantor pos!

Kadang ING meminta verifikasi di kantor pos dengan dokumen dan paspor.
Download dokumen, lalu bawa ke kantor pos terdekat untuk verifikasi.
Prosesnya mudah dan gratis, tanpa biaya apapun.

🎉 Syarat Mendapat Bonus $100

Masukkan kode referal (Jtd082) dan penuhi semua syarat berikut, bonus akan masuk sekitar 1 bulan:

• Setor $1000 ke rekening tabungan Orange Everyday
• Lakukan 5 transaksi menggunakan kartu ING
• Setor minimal $1 ke rekening tabungan Saving Maximiser

Bonus masuk dengan nama “Miscellaneous Credit”, cek saldo Anda.

💰 Syarat Mendapat Bunga 5.0%

Setiap bulan harus penuhi 3 syarat berikut agar dapat bunga:

• Saldo Orange Everyday minimal $1000
• Gunakan kartu ING minimal 5 kali (transaksi pending tidak dihitung)
• Saldo Saving Maximiser lebih tinggi dari bulan sebelumnya (meskipun $0.01 saja)

Bunga otomatis masuk tiap tanggal 1, bisa dicek di aplikasi.

🙋‍♀️ Pengalaman Pakai ING 2 Tahun

Dapat bunga rutin setiap bulan, aplikasi mudah dipakai dan tampilan mirip aplikasi perbankan Korea seperti Toss atau Kakao Bank.
Gratis biaya tarik tunai ATM 5 kali per bulan, bebas tarik di mana saja.
Awalnya ragu pindah ke ING, sekarang merasa itu keputusan yang tepat!

🎁 Penutup

Semoga panduan ini membantu yang ingin buka rekening ING,
Jangan sampai kelewatan bonus $100 dan bunga tinggi 5.0%!

Kalau ada pertanyaan, silakan komentar atau pesan saya.
Semangat menjalani hidup di Australia 🇦🇺🧡

ING Bank Account Opening Guide in Australia｜Get 5.0% Interest + $100 Bonus!
ING is the bank I have been happily using while living in Australia!
Currently, there is a great promotion offering 5.0% annual interest + $100 bonus when you enter a referral code, making it a perfect time to open an account.

I opened my account through this promotion 2 years ago, and it is still my main bank!

💡 Why Recommend ING?

✅ High 5.0% interest per annum (on Savings Account)
✅ $100 bonus on entering referral code
✅ Refund on overseas transaction fees
✅ Up to 5 ATM withdrawal fee rebates per month
✅ User-friendly and intuitive app

Commonwealth Bank, NAB and others offer only 2-3% interest, but ING still maintains 5.0%!

🗓️ Promotion Period & Info

Promotion Period: 1st July 2025 to 30th September 2025
Referral Code: Jtd082

📝 Documents Required Before Opening Account

Passport or Australian ID (ID)
Proof of residence in Australia (e.g. Bank Statement)
Mobile phone (for SMS verification)
Approximately 10-15 minutes of your time

🏦 How to Open Account (Simple Summary)

Visit ING official website or use referral link

Click the link below

https://campaigns.ing.com.au/refer?code=Jtd082&p=a

Click "Open Now" > "New Customer" > Select "Single Account"
Enter personal details, contact, nationality/tax information

Make sure to tick to open Saving Maximiser account as well

Enter promotion / referral code Jtd082 (auto-filled if using referral link)

Note: Without referral code, you won’t be eligible for $100 bonus!

🪪 Identity Verification Method

If you have Australian ID, verification is straightforward
If not, use passport + Bank Statement
Bank Statement can be easily downloaded as PDF from Commonwealth app/website
Statement must contain your name, residential address, and issue date (within 6 months)

📨 Occasionally, you may receive an email requesting you to verify at the post office!

In some cases, ING may ask you to visit the post office with your documents and passport for verification.
Download the form, visit the nearest post office for verification.
This process is simple and free of cost.

🎉 Conditions to Get $100 Bonus

Enter referral code (Jtd082) and meet all of the following conditions to get bonus within about 1 month:

• Deposit $1000 into Orange Everyday account
• Make 5 transactions with ING card
• Deposit at least $1 into Saving Maximiser account

Bonus will be credited as “Miscellaneous Credit”, please check your account.

💰 Conditions to Maintain 5.0% Interest

Every month you must meet the following 3 conditions to earn interest:

• Have at least $1000 in Orange Everyday account
• Make 5 or more transactions with ING card (excluding pending)
• Saving Maximiser balance must increase from previous month (even by 1 cent)

Interest is automatically credited on 1st of every month, and you can check eligibility in the app.

🙋‍♀️ My 2 Years Experience Using ING

Earn steady interest every month, app is intuitive and shows real-time transactions, feels like Korean banking apps Toss or Kakao Bank.
ATM withdrawal fees waived up to 5 times a month, free to withdraw anywhere.
I hesitated at first but now feel it was the right choice!

• Make the most of ING’s high-interest savings account: Even small monthly balance increases can benefit from compound interest.
• Reduce unnecessary overseas transaction fees: Use your ING card to get reimbursed for international fees!
• Manage your budget regularly: Carefully check transactions in the app and plan your monthly expenses.
• Build a saving habit with consistent small automatic transfers.
• Manage your earnings and living expenses: Separate multiple accounts for different purposes to keep things simple.

🎁 Final Words
Hope this post helps those considering opening an ING account,
Don’t miss out on the $100 bonus and high 5.0% interest!

Feel free to ask questions in comments or message me.
Best of luck with your life in Australia 🇦🇺🧡

作为在澳洲生活最满意使用的银行，ING银行！
现在正举办年利率5.0%高息 + 输入推荐码可获$100奖金的活动，开户正当时！

我也是两年前通过活动开户的，现在一直用它做主账户！

💡为什么推荐ING银行？

✅ 5.0%年利率（储蓄账户）
✅ 输入推荐码享$100奖金
✅ 海外支付手续费返还
✅ ATM取款手续费每月返还5次
✅ APP界面直观，使用方便

目前澳大利亚联邦银行（Commonwealth）、NAB等利率多在2~3%，而ING依然保持5.0%！

🗓️活动时间及信息

活动时间：2025/07/01 ~ 2025/09/30
推荐码：Jtd082

📝开户前准备

护照或澳洲身份证（ID）
澳洲居住证明（例如银行账单）
手机（短信认证用）
约10~15分钟

🏦开户步骤简要

访问ING官网或通过推荐链接

👉 https://campaigns.ing.com.au/refer?code=Jtd082&p=a

点击“Open Now” > “New Customer” > 选择“Single Account”
填写个人信息、联系方式、国籍/税务信息

一定勾选同时开户储蓄账户(Saving Maximiser)

✨ 输入推荐码Jtd082（通过推荐链接访问则自动填写）✨

🧡注意：未填写推荐码无法获得$100奖金！

🪪身份验证方式

有澳洲身份证可直接验证
无身份证者，可用护照+银行账单验证
银行账单可通过联邦银行APP/官网PDF下载
账单必须包含姓名、居住地址、出具日期（6个月内）$

📨可能会收到邮局认证邮件！

有时ING会要求持身份证明文件到邮局做身份认证。
下载文件后，携带护照去最近邮局完成认证即可。
过程简单，且邮局认证免费，无需付费。

🎉领取$100奖金的条件

输入推荐码（Jtd082）后，完成以下所有条件，约1个月内奖金将到账：

• 活期账户(Orange Everyday)存入$1000
• 使用ING卡消费5次
• 储蓄账户(Saving Maximiser)存入至少$1

奖金以“Miscellaneous Credit”形式入账，请注意查收。

💰保持5.0%高息的条件

每月需满足以下3项条件才能享受利息：

• Orange Everyday账户余额不少于$1000
• 使用ING卡消费至少5次（pending交易不计）
• Saving Maximiser账户余额较上月增长（哪怕1分也算）

利息每月1日自动到账，可在APP查看是否满足条件。

🙋‍♀️使用ING两年感受

每月稳定的利息收入，APP界面直观，实时账目查询方便，感觉像韩国的Toss或Kakao Bank。
ATM手续费每月5次免除，随时可自由取款。
刚换到ING时有些犹豫，现在觉得是非常正确的选择！

• 积极利用ING高利率储蓄账户：即使每月余额稍有增加，也能享受复利效应。
• 减少不必要的海外交易手续费：使用ING银行卡支付，可获得国际手续费报销！
• 定期管理预算：仔细查看APP内的交易明细，制定每月支出计划。
• 通过持续的小额自动转账养成储蓄习惯。
• 管理兼职工资和生活费：分开多个账户按用途管理，更加轻松。

🎁总结

希望这篇文章能帮助正在考虑开户的你，
不要错过$100奖金和5.0%高利率的好机会！

有疑问欢迎评论或私信咨询，祝大家澳洲生活顺利 🇦🇺🧡