The Best Debit Card for Australian Travellers – Save Loads of Money
Travelling is something most of us love to do. We’re in control over how much we pay for booking flights and affordable accommodation around the world, however, there is one thing that always frustrated me about International travel; the ATM and foreign transaction fees! These charges were something that I couldn’t avoid, until now. I’ve found the best debit card for Australian travellers – and I’m saving heaps of cash!
I’ve done the research – This is the Best Debit Card to Australian Travellers
In order to prepare for our big adventure to visit every country in the world, I did my research looking for a debit card to use everywhere that wouldn’t charge me any foreign transaction fees. When I found out about the ING debit card, it honestly sounded too good to be true.
Who wants to get all their ATM fees rebated, worldwide?
Here’s what makes the ING Orange Everyday account so amazing:
$0 monthly or annual fees
Reimburses all ATM fees
No foreign transaction fees
Why Open an Orange Everyday Account?
Reimbursed ATM Fees with the best debit card for Australian travellers!
When you’re travelling to another country and need cash, you’ll likely use an ATM. When you use a foreign ATM, your bank will charge you a fee, PLUS the ATM will charge you a fee. Each fee is often around $2.00-5.00. All of this means you can easily get charged an extra $4-6 every time you make a cash withdrawal while abroad. *sigh*
In many countries, the daily withdrawal limit is often quite low. This means you need to make several withdrawals each day to ensure you have enough local currency until you find another functioning ATM. (which is sometimes quite rare in some parts of the world).
ING Direct will reimburse every single ATM fee you get charged – this really is the best debit card for travel.
Any ATM fees or foreign transaction fees within days of being charged. It’s such a good feeling to see the fees charged to my account and the reimbursement.
See an example below, I have been charged $2.50 for each ATM withdrawal which was then reimbursed. The same happened when I paid with my card and both charges of $0.99, $0.89 and $0.47 have been reimbursed.
See how ATM fees are all reimbursed immediately
This shows how International Transaction fees on everyday travel goods are reimbursed to me.
No Foreign Transaction Fees, ever! Now that’s why this is the Best Debit Card for Australian Travellers!
Yes, it’s true. This account doesn’t charge you any foreign transaction fees, ever!
It’s worth remembering that many other debit cards charge a fee of 3% of every transaction you make while abroad. This means that when you use your debit card to pay $100 for a hotel, your bank will charge you a foreign transaction fee or an extra $3.00.
How to Get an ING Direct Everyday Orange Account and the best Debit Card for Australian Travellers
Go to ing.com.au/everyday, open a new Orange Everyday account and enter HMU366 in the promo box at the end of the online form.
2. Deposit your pay of $1000 + (or simply transfer this amount from another bank account) into your new Orange account within the same calendar month.
3. Open and make a deposit into a new Savings Maximiser within 30 days.
4. Use your Orange Everyday account to make 5+ settled card purchases of any amount (not pending) within 30 days.
Note: I’ve set up this ING Direct Everyday bank account essentially as my Travel Account ONLY. I still have my original bank account with a different bank that I’ve had since I was very young. I’ve simply set up an online transfer to move the money from that account to my ING travel account each month. When I return to Australia, I plan to sort my finances and put all my money into this ING Direct account as they are much better than my other bank.
Now that you’ve signed up for the best debit card for Australian Travellers – Make your life a little easier and download the App.
Two more reasons why I love this debit card:
1. You can set up travel alerts within seconds
Travel alerts are your way of informing the bank that you’re travelling abroad. This is important so they don’t think your card was stolen and block your transactions from going through.
It’s easy to download the online App or update your account on the ING website to add new countries you’ll be visiting within seconds. You can add up to 15 countries at a time, it’s so simple and easy to do.
I often hear stories of other travellers how their card has been declined or blocked when they travelled overseas and they had to call their bank just to let them know! This is very frustrating as these days people often travel to multiple countries. So for this reason, this feature is a huge plus and my card has not been declined once in the last 40 countries I’ve visited.
2. Their customer service is fantastic.
How nice it is to be able to speak to a knowledgeable and helpful consultant within minutes of calling. Hands down, the team at ING are up there with the best. In fact, I think they have won awards for their excellent customer service.
So, who’s ready to start saving loads of cash? Sign up today and SAVE! If you use this referral code HMU366 when signing up before 31 Dec 2021, receive $50 in your account as thanks! How amazing is that!
Honestly, in six months of travel, we have easily saved about $400 -$500. In terms of saving money – it’s the best thing I have ever done. This is 100% the best debit card for Australian travellers so get one before your next trip.
Want to save even more on your travels? Check out these posts:
Rach is a self-confessed travelling foodie. Her passion for food and culture has seen her eat her way through 186+ countries. She's currently on a big food adventure to visit EVERY country in the world!
When Rach isn't travelling, you can find her at the beach, drinking coffee or wine with friends or chowing down on the best eats around her home city of Melbourne, Australia.