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!

The Best Debit Card for Australian Travellers

Updated 29 Dec 2021 

I’ve done the research – This is the Best Debit Card for 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 I could 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 ING international transaction fees when you shop online and overseas
  • Reimburses up to 5 rebated ATM withdrawal fees a month in Australia and overseas
  • No foreign transaction fees
  • You could get 1% cashback on eligible utility bills. T&Cs apply

best debit card for australian travellers ING

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 $3-6. All of this means you can easily get charged an extra $5-8 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 up to 5 ATM withdrawal fees you get charged per month – this really is the best debit card for Australian travellers.

Any ATM fees or foreign transaction fees will be reimbursed within 5 days of being charged. It’s such a good feeling to see the fees that have been charged to my account being reimbursed.

See an example below, I have been charged $2.50 for each ATM withdrawal which was then reimbursed. The same happened when I withdrew cash at an ATM in Tunisia. I have been reimbursed $5.87 for the bank fee that was charged to me at the time.

best debit card for australian travellers ING fees reimbursed

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 $4.00.

It may not seem like much, but when you’re paying for hotels, restaurant meals and cheap flights booked online regularly, this adds up very quickly.

How to Get an ING Direct Everyday Orange Account and the best Debit Card for Australian Travellers

  1. Go to, 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.

TIP: If you’re travelling in remote regions or a destination where it’s hard to get the 5 required card transactions on this account, here are some things that work for me. I charge my monthly Telstra mobile bill online to this account and when I do go to a supermarket overseas, I often separate my items and charge to this account. This means I get 3 or 4 transactions done at the same time and then I don’t have to think about it. (or you could do all 5 and get them all if you wish).

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 use our referral code HMU366

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:


✈️ Flights: WayAway, Skyscanner, and Expedia are the best sites to search for the cheapest flights and great deals from your home country.

🏨 AccommodationBooking.comAgoda, and Hotellook are the top platforms to search for fantastic hotels and accommodation options at the best price.

🏥 Travel Insurance: Don’t forget travel insurance! We recommend World Nomads or SafetyWing.

🚌 Transportation: To book trains, Trainline is the best and cheapest website. To book transport in Europe, USA & Canada, we use Omio & FlixbusUS. For travel in Asia, we use 12Go. For all other countries, we use BookaWay to compare and book Bus, Ferry, or train tickets to get around.

🚘 Car Rental: DiscoverCars, & Europcar are reliable platforms to book rental cars.

👫 Group ToursG Adventures or Expat Explore offers the best group adventures around the world. Use our promo code VERYHUNGRYNOMADS at checkout to receive 5% off your Expat Explore Trip!

📸 Day Tours & TripsGetYourGuide & Viator are the only platforms you will need. They offer everything at unbeatable prices.

🎒 LuggageOsprey Farpoint 40L Backpack or Samsonite Luggage Range (we love this Stack’d Carry-On Spinner Suitcase).

🛄 What to Pack: To help you get started on packing, here is our ULTIMATE Packing List for all Travellers.

🐶 Become a House Sitter: Join Trusted Housesitters and enjoy FREE accommodation around the world. Use our personal invite to receive 25% off your new membership.

💰 Send Money Anywhere: WISE is the best online account that lets you send money, get paid, and spend money internationally. It’s so easy to use and way cheaper than any bank transfer.

📶 Stay Connected: Airalo eSIM allows you to get connected the moment you land at your destination and you can avoid those expensive data roaming charges. We LOVE this product!

✅ Check out our Travel Resources Page for more Useful Tips to Save you Money!