Using Ing Direct Debit Card Abroad Assignment


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Most big banks have an online travel notification form where you can alert your bank that your card will be used overseas.  If you fail to alert your bank there is a high chance they will reject any transactions abroad if you have not alerted them as a precaution.

I have a Bank of America debit card that I use as a backup to my new No Foreign Transaction Fee ING Direct debit card.  For years I have been putting a call in to BOA and wasting 20+ minutes transferring from here to there to here to there until I finally find the right person who can add the simple travel notification to my account.

This time around I tried using the BOA chat feature and completed the transaction in exactly 57 seconds.  The chat went like this.

Lana: Hello! Thank you for being a valued Bank of America customer! My name is Lana.

Lana: May I have your complete name please?

You: alex …..

Lana: Thank you Alex!  Please give me one moment while I access your information.

Lana: How may I assist you with your personal accounts today?

You: I want to put a travel notification on my debit card for Japan and Germany.

You: I will be using the card outside the country in the upcoming week from XXX to XXX

Lana: I have successfully made the travel notification in your account.

Lana: Is there anything else I can assist you with today?

You: Nope, that is it. Thank you!

Lana: You’re Welcome and have a Safe Trip!

To get into the chat, login and look to the bottom right.

Click Send us a message.

From there click, Send us a message AGAIN.

And finally click, Chat with a specialist.  They make this too easy……

Checkout more Credit card offers here. 

The bottom line

I know there are a lot of Bank of America travelers out there.  While I would kill for an online travel notification form, we are stuck with what we have so check out this tip to save you some time on your next vacation. 

Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This post was accurate at the time of posting, offer may be unavailable on this site at a later time. For details on current offers visit the card issuer’s site.

Posted in Credit Card, Tricks Tagged Credit Card, Tricks

Important Information

Global ATM Rebate Offer for Orange Everyday and Orange One Customers

The Global ATM 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 bank account to any personal ING account in your name (excluding Living Super and Orange One), and
  • from 1 March 2018, also make at least 5 card purchases 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 Android Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. Card purchases made in store or online this current calendar month which settle 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.

If eligible, under the offer:

  • for ATMs in Australia - any ATM fee charged by the ATM operator is rebated immediately following the transaction, and
  • for ATMs outside Australia - ING will waive the International ATM withdrawal fee of $2.50 and rebate 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 Australia can take up to 5 business days to finalise.

If eligible, the offer applies to:

  • all Orange Everyday accounts held in your name (either single or joint account), and
  • all Orange One accounts held in your name (including in respect of any additional cardholder).

This offer may be changed or withdrawn at any time at ING’s sole discretion. The ING cash advance fee for Orange One customers is not rebated under this offer.

International Transaction Fee Waiver Offer for Orange Everyday and Orange One customers

The International Transaction Fee Waiver Offer for Orange Everyday Customers and the Foreign Currency Conversion Fee Waiver Offer for Orange One Customers 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 bank account to any personal ING account in your name (excluding Living Super and Orange One), and
  • from 1 March 2018, also make at least 5 card purchases 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 Android Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. Card purchases made in store or online this current calendar month which settle 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.

If eligible, under the offer ING will waive the International Transaction fee (Orange Everyday) and Foreign Currency Conversion fee (Orange One) of 2.5% of the amount of the international transaction. If eligible, the offer applies to all accounts held in your name (either single or joint account for Orange Everyday, and also applies in respect of any additional cardholder for Orange One).

Merchants may charge you a separate fee for their services (which is not rebated under this offer).

This offer may be changed or withdrawn at any time at ING's sole discretion.

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate can only apply when you also have an Orange Everyday. The additional variable rate currently 2.80% p.a. (that is added to the Savings Maximiser standard variable rate) applies on one Savings Maximiser per customer for the next calendar month when you perform the following during the current calendar month:

  • deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
  • (effective from 1 March 2018) also make at least 5 card purchases 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 Android Pay transactions made with an Orange Everyday Visa card, Orange One or Orange One Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. Card purchases made in store or online this current calendar month which settle 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. The offer applies to a maximum of one nominated Savings Maximiser account held in your name (either single or joint account).

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. If you have multiple Savings Maximiser accounts, visit online banking or call us on 133 464 to check or change which Savings Maximiser account receives the additional variable rate (if eligible). ING can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

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 an Orange Everyday, Savings Maximiser or Orange One, you should read the Savings Maximiser Terms and Conditions booklet, the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Limits Schedule and the Orange One Terms and Conditions, Fees and Limits Schedule, Key Facts Sheet and Credit Guide available at ing.com.au. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Credit assessment criteria applies for Orange One. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Android Pay is a registered trademark of Google Inc.

*Source: 'Banking Fees in Australia', RBA Bulletin June Quarter 2017, Rachael Fitzpatrick and Graham White of Reserve Bank of Australia.

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