Digital card details
Digital card details
- What are digital card details?
- What is the difference between a dynamic CVV and the CVV on the back of my physical card?
- What transactions should my dynamic CVV not be used for?
- Where can I find my digital card details?
- How can I use my digital card details for payments?
- How can I use my digital card details to set up subscriptions or recurring payments?
What are digital card details?
In the ING App you can find your digital card details for your Orange Everyday or Orange One. Your digital card details include the following info:
- your card number
- card expiry
- dynamic CVV
You can use your digital card details the same way you’d use the card details printed on your physical card to shop online, pay over the phone, pay bills, or set up recurring payments like subscriptions.
What is the difference between a dynamic CVV and the CVV on the back of my physical card?
A dynamic CVV is a digital version of the CVV that’s on the back of your physical card. Unlike the CVV on the back of your physical card which is static, the dynamic CVV regenerates every 6 hours in the ING app. Once a dynamic CVV has expired it cannot be used again to make purchases in conjunction with your ING card details.
What transactions should my dynamic CVV not be used for?
Your dynamic CVV should not be used for any transactions where the payment is not processed immediately when your card details and CVV are submitted. This is because the dynamic CVV is only valid for 6 hours from when it is first generated, and may have expired by the time the transaction is processed.
An example of delayed processing may be providing payment details on a physical booking form or a mail order form, which may be processed by the merchant at a later time – likely after the dynamic CVV has expired.
Where can I find my digital card details?
The digital card details of your Orange Everyday or Orange One card can be viewed in the ING App without needing to refer to your physical card. To access your digital card details in the ING App, simply navigate there following one of these ways below:
- Login to the ING App
- Tap on the left hand side menu
- Tap Cards
- Select your Orange Everyday or Orange One card from the list
- Tap Show card details
- Follow the authentication prompts to access your digital card details: A One Time Password (OTP) will be generated and sent to your registered Australian mobile number
- Enter the OTP for authentication
- Card details such as name, card number, card expiry and dynamic CVV will be displayed
Alternatively, you can find them by navigating from your account page.
From your account:
- Login to the ING App and select the relevant account
- Tap Manage > Manage card from the list
- Tap the Show card details option
- A One Time Password (OTP) will be generated and sent to your registered Australian mobile number
- Enter the OTP for authentication
- Your card details such as name, card number, card expiry and dynamic CVV will be displayed
How can I use my digital card details for payments?
Your digital card details can be used straight from the ING app and entered just how you usually enter your card details to shop online, pay over the phone, pay bills, or set up recurring payments like subscriptions.
Your dynamic CVV should not be used for any transactions where the payment is not processed immediately when your card details and CVV are submitted. This is because the dynamic CVV is only valid for 6 hours from when it is first generated, and may have expired by the time the transaction is processed.
An example of delayed processing may be providing payment details on a physical booking form or a mail order form, which will be processed by the merchant at a later time – likely after the dynamic CVV has expired.
How can I use my digital card details to set up subscriptions or recurring payments?
You can use your digital card details (with your dynamic CVV) to set up subscriptions or recurring payments. Your dynamic CVV is only used at the time of setting up a recurring payment arrangement. It is not required to process any subsequent payments after initial setup. If a payment is declined at a later stage it could be due to various other reasons, such as insufficient funds or card expiry.
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Set up notifications
Set up notifications
What are notifications?
Notifications help you stay across activity on your accounts. You can choose to set up and receive notifications by SMS or email for certain activity. Others, like important security notices, are automatically posted online and emailed to you.
What notifications can I set up myself?
How-to set it up
- Login to Online Banking using your client number (found on the back of your ING card, a recent statement or in the ING App) and access code
- Select Notifications in the left menu, then click Set up & manage notifications
- Add notifications of your choice by selecting + New notification and follow the prompts
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How can I make cardless transactions?
Add your ING card to your mobile wallet
Orange Everyday
Apple Pay
ING App
- Login to your ING App and select your Orange Everyday account
- Tap MANAGE > Manage card from the list
- Select Set up Apple Pay
- We’ll send you an SMS code to verify it’s you
- Follow the prompts and set your ING Orange Everyday as your default card
You can also add your card from the Wallet App by tapping the + and following the prompts.
Apple Watch
- On your paired iPhone, open the Apple Watch app
- Tap Wallet & Apple Pay
- Tap Add Card
- Tap Add Credit or Debit Card and follow the prompts
Google Pay
- Download the Google Pay app from the Google Play store
- Scan your Orange Everyday debit card or manually enter your card number into the app
- Verify your card via the ING App
Orange One
Apple Pay
- Login to your ING App and select your Orange One account
- Tap MANAGE > Manage card from the list
- Select Set up Apple Pay
- We’ll send you an SMS code to verify it’s you
- Follow the prompts and set your ING Orange One as your default card
You can also add your card from the Wallet App by tapping the + and following the prompts.
Apple Watch
- On your paired iPhone, open the Apple Watch app
- Tap Wallet & Apple Pay
- Tap Add Card
- Tap Debit or Credit Card, and follow the prompts
Google Pay
- Open the Google Wallet app
- At the bottom, tap Add to Wallet +
- Tap Payment card
- Tap New credit or debit card, and follow the prompts
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BPAY®
BPAY®
BPAY® helps you pay your bills easily and securely on your ING App or in Online Banking.
Pay a BPAY biller
- Login to your ING App
- Tap PAY > BPAY
- Tap the + and then select someone you’ve paid before from your address book or tap this icon to add a new biller
- Enter your Biller Code and Customer Reference Number. Optional to save to address book and add Nickname for next time. Tap Done
- Enter the Amount and Description I’ll see (optional)
- Choose when you would like to make your payment from the following options – Pay now, Pay later or Recurring payment
- Tap PAY
- Review the payment details are correct on the confirmation page and tap CONFIRM
Pro Tip: If it’s a regular ongoing bill you can choose recurring when making the payment and put your BPAY payments on autopilot. Just tap When? and select Recurring payment. Select the Payment frequency, Start date and Payment schedule and then tap Pay.
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- Select the account you want to pay from
- Click Transfer > Pay a bill
- Choose one of your existing billers in the To section or click +New biller
- Enter your Biller code and Customer ref no. Optional to save to Address book and add Nickname for next time. Click Done
- Enter the Amount and Description I’ll see (optional)
- Choose when you would like to make your payment from the following options – Pay now, Pay later or Recurring, then click Transfer
- Review the payment details are correct and click Confirm (note that you’ll need your mobile phone handy for a security check if it’s a new biller).
How to get 1% cashback with BPAY
Get 1% cashback on eligible gas, electricity and water bill payments made from your Orange Everyday account using BPAY (T&Cs apply). Just meet the monthly eligibility criteria:
Monthly eligibility criteria
To qualify for benefits each calendar month, the following monthly eligibility criteria needs to be met.
- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One),
- make 5 or more settled (not pending) eligible ING card purchases.
When the criteria is met in a calendar month, the benefits will apply in the next calendar month.
Check if your utility bill is eligible for 1% cashback
Click the link below to see if your household gas, water and electricity suppliers are included. We have most Australian utility suppliers covered.
How long does a BPAY transaction take?
You must make the BPAY transaction before 4pm (AEST/AEDT) on a business day for BPAY to receive the funds from ING the very same day.
BPAY will then forward the funds to the Biller which may take 2 to 3 business days to reach the biller.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
1% Utility Bill Cashback Offer for Orange Everyday Customers
The 1% bill utility cashback offer 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 this offer, and are not required to meet this monthly criteria.
Under this offer, each month that you’re eligible, you’ll receive 1% cashback on eligible utility bill payments (up to $100 per financial year) on your Orange Everyday accounts.
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 (including the Utility Bill Cashback offer) at any time at our discretion.
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PayID®
PayID®
What’s PayID?
Forget your BSB and account number with Australia’s New Payments Platform. You can now make and receive payments in real time using a PayID between participating financial institutions.
How to create your PayID
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- From the navigation menu, click My profile > PayID details
- Select the PayID type either from your email address or mobile number – then you’re done!
How to send money to a PayID
- Login to your ING App and select PAY > PAY ANYONE
- Tap + and your Address Book will pop up, tap > PayID
- Select the PayID type and enter the details and click VERIFY. The PayID details will pop up to review and tap DONE to confirm. You also have the option to save the details as well in your Address Book.
- Once confirmed, the new PayID account will appear in the TO section. Proceed to follow the prompts to make your payment.
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- Select the account you want to pay from
- Click Transfer > Pay anyone
- Select +New payee > PayID
- Select the PayID type and enter the details and click Verify
- Review the PayID details under New Payee and click Done to confirm. You also have the option to save the details as well in your Address book.
- Once confirmed, the new PayID account will appear in the ‘To’ section. Proceed to follow the prompts to make your payment.
Quick tip to avoid scams
If the payee name doesn’t match who you’re trying to pay, it could be fishy. Before you pay, give them a call on a trusted number to double-check the payment details.
PayID® is a registered trademark of NPP Australia Limited.
ING customers can set up a PayID (like a mobile number or email address) on the following accounts – Orange Everyday, Savings Maximiser, Savings Accelerator, Business Optimiser, Orange Advantage and Mortgage Simplifier.
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How do I transfer money?
Transferring money
Transferring money between your ING accounts
- Login to your ING App and select the account you wish to transfer from
- Tap PAY > TRANSFER
- Select which ING account you want to transfer FROM and TO
- Enter the Amount and Description I’ll see (optional)
- If you select When? – you can choose from the three options Pay now, Pay later and Recurring payment
- Tap TRANSFER and review that the details are correct and then tap CONFIRM and you’re done!
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- Select the account you wish to transfer from
- Click Transfer > Transfer funds
- Select which ING account you want to transfer From and To
- Enter the Amount and Description I’ll see (optional)
- Select When you would like to make your payment? (‘Pay now’ is automatically defaulted if you don’t select)
- Click Transfer and review that the details are correct and then select Confirm and you’re done!
Transferring money from ING to another financial institution
- Login to your ING App and select the account you want to transfer from
- Tap PAY > PAY ANYONE
- Tap the + and your Address Book will pop up. If you need to add a new account tap , and select either ‘Bank account’ or ‘PayID’, then enter the details of the account you wish to transfer to.
- Enter the Amount, Description and reference (both optional) and tap PAY
- Review the payment details are correct on the Confirm page and tap CONFIRM and the confirmation details will appear.
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- From the navigation menu, click Transfer & pay > Pay anyone
- Either select an account you want to pay To from your address book or click + New payee if it’s not there, then enter the details of the account you wish to transfer to.
- Enter the Amount, Description & Reference (both optional), then select When would you like to make your payment? and click Payment
- Review the payment details are correct on the ‘View and confirm your payment’ page
- Click Confirm and the confirmation details will appear.
Tip: For people you pay regularly, add their account details to your Address Book to make the process even quicker next time.
Transferring money internationally
You are unable to move funds internationally directly from your ING accounts. If you wish to transfer money internationally, you will need to use a third-party service.
PayID® is a registered trademark of NPP Australia Limited.
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Using your card internationally
Using your ING card overseas
Can I use my card overseas?
Yes, you can use your Orange Everyday or Orange One card anywhere worldwide where Visa is accepted.
Are there any rebates available?
Yes, if you meet the eligibility criteria (see below):
Account | International ATM rebates | International Transaction fee rebates |
---|---|---|
Orange Everyday | First 5 ING ATM Withdrawal fees (ING will rebate up to 5 eligible fee incurring ATM withdrawal transactions made on the account in that month, whether domestic or international. fees charged. International ATM operator fees won’t be rebated) | Unlimited (Merchants may charge a separate fee for their services which is not rebated under this offer) |
Orange One | Unlimited ING international ATM Withdrawal fees (Fees charged by international ATM operators and cash advance fees won’t be rebated) |
Eligibility Criteria
To wave goodbye to ING international transaction fees and ATM rebates, simply:
- deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One), and
- make 5 or more settled (not pending) eligible card purchases using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).
The benefits will apply for the next month when you meet the eligibility criteria during the current month.
If you hold an ING Home Loan, you’ll automatically be eligible for these benefits, and you won’t need to meet the eligibility requirements set out above.
Complimentary travel insurance
Orange One Platinum card holders can also get complimentary travel insurance. Refer to travel insurance terms & conditions.
Keep us in the loop via the ING App
Letting us know about your international travel helps us monitor your card for suspicious activity and may help prevent any unnecessary blocks on overseas transactions.
You can do this in the ING App:
- Log in to your ING App and tap the navigation menu > Settings
- Select Use card overseas
- Select your departure date, your return date, and your travel destinations
- And tap SEND NOTIFICATION
Note: The travel alert is active for a maximum of 30 days from the day you submit it (not the departure date). It’s a good idea to set this up just before you leave if you’re going for an extended stay. If you’re still overseas 30 days from submitting a travel alert, remember to submit a new one in the ING App to cover the next 30 days.
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 fees 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.
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Managing Home Loan repayments
Managing Home Loan repayments
Change repayment amount
- Login to your ING App and select the Loan Account
- Tap the SCHEDULED tab
- Tap MANAGE > EDIT DIRECT DEBIT to select the direct debit you want to change
- Make changes and once done, tap SUBMIT
- Review changes and tap CONTINUE
- Then tap CONFIRM
Note: your new amount must be higher than your minimum repayment amount.
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
Don’t remember your Access Code? You can reset it online at the login stage of Online Banking or, if you already have the app, on your phone.
If you don’t have the ING App or access to Online Banking, you can get assistance with this requirement over the phone.
- Select the Loan Account
- Click the dropdown menu under Pending and scheduled payments
- Click on the arrow to the right and select Edit
- Follow the prompts, then click Save changes
- Review changes and click Confirm
Note: your new amount must be higher than your minimum repayment amount.
Change direct debit account details & change date of billing cycle
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- Select the Loan Account
- Click the dropdown menu under Pending and scheduled payments
- Click on the arrow icon on the right and select Edit
- Follow the prompts, then click Save changes
- Review changes and click Confirm
Coming soon
How often can I make repayments?
Repayment type | Frequency |
---|---|
Principal and interest home loan repayments | Fortnightly or monthly |
Interest only home loan repayments | Monthly only |
Additional home loan repayments | Anytime |
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How do I activate my card?
Activate my card
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- From the navigation menu, click Manage cards > Card settings & activation
- Select Task > Activate card
- Enter the last 4 digits of your card number.
No signature required
There’s no need to sign your new Orange Everyday card. Which means you can get going sooner.
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How do I change my card PIN?
Change my card PIN
- Login to Online Banking using your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
- From the navigation menu click Manage cards > Card settings and activation
- Select which account the card is for and Task > Change card PIN
- Click Next
- Follow the prompts to changing your pin
- Note that you’ll need your mobile phone handy for a security check.