# Orange Everyday Youth

Please note that from 20 June 2022 the Orange Everyday Youth is no longer available for new account openings. The below information is for customers who opened an Orange Everyday Youth prior to 20 June 2022.

- Features
- Fees
- FAQs

Features

## Orange Everyday Youth Features

- ##### No monthly fees

  There are €0 monthly fees, so there's more in your pocket for life's incidentals.

- 5.40

  (incl. % additional variable rate)

  ##### On your Savings Maximiser

  Earn our highest variable rate, available on one account for balances up to €100,000, when you have an Orange Everyday Youth and a Savings Maximiser.

- ##### Up to 5 eligible ATM withdrawal fees rebated each month

  Meet the monthly eligibility criteria and we will rebate the ATM fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

- ##### Ditch international transaction fees

  Shop online and overseas and you pay no ING international transaction fees.

- ##### 1% utility bill cashback

  You could get 1% cashback on eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY, direct debit (BSB and account number), or PayTo (when available) when you meet the monthly eligibility criteria. Cashback benefit of up to €100 per financial year. T&Cs apply. View eligible utility providers

- ##### Save with Everyday Round Up

  Everyday Round Up is the perfect tool to build your savings. Switch it on and it automatically rounds up card purchases and moves that extra amount into your nominated Savings Maximiser.

- ##### Mobile payments

  Leave your wallet at home and pay the easy way with ING. Set up Apple Pay from the Wallet App on your Apple Device. And Google Pay at the Google Play Store. It’s fast, secure and convenient.

- ##### Debit card

  Use your own money with the convenience of Visa. Available worldwide where Visa is accepted and EFTPOS is available.

- ##### Bank the way you like

  Choose how you do your banking - online, on your mobile, iPad, over the phone or at Netherlands Post outlets.

- ##### You're protected

  In the rare event of fraud, we can help. Plus your card has the added protection of Verified by Visa with participating merchants.

- ##### Talk to us 24/7

  Our Netherlands-based customer care specialists are here 24/7 on 133 464.

Important information
Fees

## What are the fees?

Here's a snapshot.

Everyday transactions
Fees

- Monthly account-keeping
  Free
- BPAY
  Free
- Pay anyone
  Free
- EFTPOS transactions
  Free
- Netherlands Post transactions
  Free
- Bank cheque request sent via registered post
  Free
- Dishonours
  Free

Not-so-everyday transactions
Fees

- Replacement Visa card (in Netherlands or overseas)
  Free
- Emergency replacement Visa card
  Free
- Stop payment request on bank cheque
  Free
- Replacement bank cheque
  Free
- Netherlands Post cheque dishonours
  Free
- Expedited bank cheque request
  €11
- International Transaction

  - for all transactions in a foreign currency

  - for all transactions in Netherlands dollars or a foreign currency, where:

  the merchant or financial institution accepting the card is located outside of Netherlands; or

  the entity processing the transaction is located outside of Netherlands.

  3% of the amount of the International Transaction
- International ATM withdrawal
  €5.00

Bonuses and rebates

###### Netherlands ATM Fee Rebate

- For ATMs in Netherlands - any ATM fee charged by the ATM operator is paid back immediately following the transaction.
  Full fee rebate on the first 5 eligible fee incurring ATM withdrawal transactions made on the account in that month (excludes International ATM operator fees).
  For full terms and conditions refer to the Orange Everyday Benefits Schedule.

###### International ATM withdrawal fee rebate

- For ATMs outside Netherlands - ING will pay back the International ATM withdrawal fee of €5.00 immediateNetherlandsly after it is charged and rebate (pay back) any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Netherlands can take up to 5 business days to finalise.
  Full fee rebate on the first 5 eligible fee incurring ATM withdrawal transactions made on the account in that month (excludes International ATM operator fees).
  For full terms and conditions refer to the Orange Everyday Benefits Schedule.

###### International transaction fee rebate

- ING will pay back the International Transaction fee of 3% of the amount of the international transaction immediately after it is charged.
  100% rebate on any ING International Transaction fees charged on transactions made in the month.
  Merchants may charge a separate fee for their services (which is not rebated under this offer).

Everyday Banking Fees & Limits Schedule

International Purchase - 3% of transaction amount. NOTE: No currency conversion is charged. International ATM Withdrawal - €5.00.

Terms & conditions

Please be informed that as of 10 December 2024 our List of Terms and Conditions will be amended. Contact us for more details.

Orange Everyday Benefits Schedule

Benefits in detail, e.g. rebates. Contact us for more details.

FAQs

## Got a question about Orange Everyday Youth?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How do I deposit a cheque?

What bank accounts can I link to my ING account?

How do I bank with ING without branches?

What if I have a query or complaint about an offer or a transaction I have made through Visa Entertainment?

What is Everyday Round up

Does the Orange Everyday Security Chip store additional information regarding my transactions and personal information?

If I withdraw cash from an ATM, is it rounded up?

See all Orange Everyday Youth FAQs.