How to afford a Euro Summer

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How to afford a Euro Summer

Cinque Terre… or Mykonos? Baguettes in the South of France or sightseeing in Spain? Woah woah woah. Let’s back up a sec and make sure the budget is on board. Before we start packing our bags, let’s unpack six ways to make saving for a Euro Summer a breeze (a salty, warm, Croatian breeze, to be specific).

What’s the plan, Stan?
Start with setting clear goals. Sketch out your European adventure and back it up with a realistic budget. Break down your expenses: flights, accommodations, activities, and yes—the occasional gelato by the Trevi Fountain. Planning can not only save you money but also help you avoid last-minute financial stress.

Small savings habits, big results
Pack your lunch instead of eating out, invite friends over instead of splurging at restaurants, and channel those savings into your travel fund. All this saving means you could soon be savouring a croissant by the Seine, yum.

Money-monitoring
Use ING’s budgeting calculator to track your spending and identify areas that can be trimmed. A subscription you don’t need? A habit you can do without? Every euro saved is a step closer to cobbled streets and sunsets in Santorini.

Go head over heels for East over West
It’s this time of year when every photo on your Insta feed seems to merge into one. So why not venture beyond the typical Western European hotspots? Eastern Europe offers rich experiences without the hefty price tag. Imagine the gothic spires of Prague or the thermal baths of Budapest—all within a modest budget. Now that’s an Insta feed we want to see.

Live like a local
Skip the tourist traps. Instead, pick fresh ingredients from a local market, cook a meal in your Airbnb, and save your euros. Dining out in Paris or Rome is an experience, but shopping and cooking like locals is cost-effective and culturally enriching.

Bring us with you?
Remember, with ING’s Orange Everyday debit card or the Orange One credit card, international transaction fees could be a thing of the past (see below for eligibility criteria). And if you’re carrying the Orange One rewards Platinum card, you might be covered with complimentary travel insurance, giving you peace of mind as you indulge in your summer adventures. Refer to travel insurance terms & conditions.

Also check out the Visa Offers + Perks page and see what discounts are available on accommodation, car hire and more. Terms and conditions apply.

With a little forethought, and some smart saving, your Euro summer could be closer than you think. All it takes is the right mindset and the right bank backing you up. Ready to start saving? The Old World awaits.

Find out more about our ING everyday accounts and extra banking benefits.

Learn more

Orange Everyday Benefits for Orange Everyday Customers

Orange Everyday Benefits will apply for the next month when you meet the following eligibility criteria during the current month:

deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Orange Everyday customers who hold an ING Home Loan are automatically eligible for Orange Everyday Benefits, and are not required to meet this monthly criteria.

Each month that you’re eligible for the Orange Everyday Benefits, you’ll receive the following on your Orange Everyday accounts:

1% cashback on eligible utility bill payments (up to $100 per financial year);
Unlimited rebates on the ING International Transaction Fee; and
Rebates on ATM withdrawal fess for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

An eligible utility bill payment is a payment made by BPAY, PayTo or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

For full terms and conditions, see the Orange Everyday Terms and Conditions, the Everyday Banking Fees and Limits Schedule, Orange Everyday Benefits Schedule and the agreed utility supplier list.

Subject to the Orange Everyday Terms and Conditions, we may change or cancel Orange Everyday Benefits at any time at our discretion.

Rebate Offers for Orange One Customers

The International Transaction Fee Rebate Offer, ING International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:

deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
also make at least 5 card purchases that are settled (and not at a ‘pending status’) using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase ‘settled’ card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a ‘pending status’ and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

Orange One customers who hold an ING Home Loan are automatically eligible for the International Transaction Fee Rebate Offer, the International ATM Fee Rebate Offer and Australian ATM Fee Rebate Offer, and are not required to meet this monthly criteria.

If eligible:

for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction,
for ATMs outside Australia – ING will rebate the ING International ATM withdrawal fee immediately after it is charged. ATM fees charged by international ATM operators will not be rebated. ATM transactions outside Australia can take up to 5 business days to finalise, and
for ING international transaction fees – ING will rebate the International Transaction fee immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (including in respect of any additional cardholder).

The ING cash advance fee is not rebated under any of these offers.

ING can change or withdraw this offer at any time with notice.

Complimentary international travel insurance

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the ING card insurances is available to eligible ING cardholders and other eligible third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions, limits and exclusions apply. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

All applications are subject to ING’s eligibility and credit assessment criteria. Fees, charges and eligibility apply. See the product terms and conditions at ing.com.au.

ING is not affiliated with third parties mentioned in this article. ING is not responsible for any services provided by third parties nor does ING accept any liability or responsibility arising in any way from any products or services supplied by the third parties or any opinions expressed by them.

The information is current as at publication. 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. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Living Super, a sub-plan of OneSuper ABN 43 905 581 638 is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING’s credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Target Market Determination, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.