All applications for credit are subject to ING DIRECT's credit approval criteria. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule under the Brochures and Forms page. To view these documents you may need Adobe Acrobat.
ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.
Information and interest rates are current as at 1 October 2013 and are subject to change.
The 5% Wave & Save 6 Month new customer rebate (“Wave & Save 6 Month Rebate”) is available for a limited time only from 1 April 2013 for six months from account opening (“Rebate Period”) for new ING DIRECT Orange Everyday customers (including joint account holders) (“Eligible New Customers”).
This Wave & Save 6 Month Rebate applies to all contactless purchases made in Australia by Eligible New Customers during the Rebate Period on purchase amounts of up to and including AUD $99.99. The Wave & Save rebate will be made into the Orange Everyday account immediately after transaction settlement. After the end of the 6 month period the amount of the rebate will be based on the rebate percentage applicable at the time of transaction settlement, if any.
The Wave & Save 6 Month Rebate applies to everyday purchases only. Should you use the Wave & Save 6 Month Rebate in a manner that is not satisfactory or in line with the intent of the offer, we may place a stop or freeze on your account, refuse to apply the rebate to any or all purchases, or reverse the rebated amount. ING DIRECT cannot guarantee that PayWave facilities will be available for use for your chosen purchase.
Each time you withdraw $200 or more from an ATM in Australia with your Orange Everyday Visa Debit Card, we'll reimburse the ATM owner fee.
Living Super rates can be viewed at ingdirect.com.au. Buy/Sell spreads and other incidental transaction costs apply to all managed investment options, including the Balanced option. Buy/Sell spreads and other incidental transaction costs are retained within the managed investment and are not fees paid to ING DIRECT or the Trustee. Investment managers may change which may affect fees. The Trustee may vary the fees for ING DIRECT Living Super without your consent by giving 30 days notice.
The Trust Company (Superannuation) Limited ABN 49 006 421 638, AFSL 235153, RSE L0000635 is the Trustee of the ING DIRECT Superannuation Fund ABN 13 355 603 448 (Fund) and the issuer of interests in the Fund. ING DIRECT Living Super is a product issued out of the Fund. ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823, is the Promoter of the Fund and the issuer of this document. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria. Eligibility criteria for ING DIRECT Living Super apply. Other products are issued by ING DIRECT Australian Credit Licence 229823. You should consider the relevant Product Disclosure Statement, Terms and Conditions and the Financial Services Guide available at Brochures and Forms page when deciding whether to acquire, or to continue to hold, a product. Any advice provided does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. The source for the statement 'The first Balanced option available to all Australians with no admin or management fees' is SuperRatings Fee Research April 2012. This research included information about the default options of 372 currently available and closed superannuation funds. The accuracy of the information relied on by SuperRatings was the responsibility of the trustees of the relevant superannuation funds.
Information and interest rates are current as at 5 November 2013 and are subject to change.
Combined balances up to $250,000 per customer are guaranteed by the Australian Government.
The advertised Savings Maximiser variable welcome rate applies for 4 months from the date the Savings Maximiser is opened on balances up to $250,000 and is subject to change. At the end of the 4 month period, the rate that applies to your account balance will be the Savings Maximiser standard variable rate applicable at the time. The offer is applicable on the first Savings Maximiser that you open (including joint accounts) and is for a limited time only.
A variable Loyalty Bonus of 0.50% p.a. will be paid on balances up to and including $50,000 in months where the closing balance on the last day of a calendar month is at least $200 higher (excluding interest earned) than the opening balance of the first day of the same month. Balances over this amount will continue to receive the standard variable rate applicable at the time. Bonus rate is subject to change and is not paid in conjunction with any other promotional rate.