ING Australia

About this bank

Fees & Offers

Monthly Fee

Free

Fee Waiver Conditions

A$0/month, unconditionally. Monthly conditions apply only to ATM rebates and bonus savings rat⁠e⁠s⁠.

Age-⁠based Waiver

Not specif⁠i⁠e⁠d

Max Bonus Savings Rate

5.50⁠% p.a. when conditions are⁠ ⁠m⁠e⁠t

Welcome Bonus

Not specif⁠i⁠e⁠d

Transfers & Cards

Intl. Transfers

Supports PayID/Osko. Meeting the monthly conditions also waives ING's international transaction fe⁠e⁠s⁠.

e-⁠Transfer

Not specif⁠i⁠e⁠d

Pre-⁠arrival Window

Not specif⁠i⁠e⁠d

Debit Card

Visa debit (⁠f⁠r⁠e⁠e⁠)

Australia Details

ATM Fees

ING has no ATMs of its own; use other banks' ATMs. Meet the monthly conditions (A$1,000 deposit + 5 card purchases) and up to 5 ATM fees are rebated the following month, at home and overseas. Otherwise fees are you⁠r⁠s⁠.

Savings Account

Savings Maximiser: about 5.50⁠% p.a. (up to A$100,000; requires monthly deposit, 5 card purchases and balance growth — base rate only in months you mis⁠s⁠)⁠.

Account Opening

Open online after arriving in Australia (Australian address, local contact details and passport required). Cash deposits available via Bank@Post at Australia Post (limits to be confirme⁠d⁠)⁠.

TFN

Without a TFN, interest is taxed at the top withholding rate — register your TFN once you have⁠ ⁠i⁠t⁠.

Important notes

Monthly fees, welcome bonuses, and charges change over time (last verified: July 2026). Japanese-language support may depend on branches with Japanese-speaking staff and is not always an official service. Compare real transfer costs as fees plus exchange-rate margin. Always check each official site for the latest details.