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