Referral Revenue
ING refer a friend vs promo code INGNEW400: which to use
There are two ways to get a bonus as a new ING customer: a friend’s referral code, or ING’s public promo code INGNEW400. You can only use one. Here’s how they compare, and why most people end up using the promo code.
Promo code vs referral code
| Promo code INGNEW400 | Refer a friend | |
|---|---|---|
| Who can use it | Anyone opening their first Orange Everyday | Someone who knows an ING customer |
| What you need | Nothing, the code is public | That customer’s personal referral code |
| Accounts to open | Orange Everyday | Orange Everyday and a Savings Booster |
| Requirements | Monthly deposit, card purchases and savings transfer for 3 months | $1,000 deposit and 5 settled card purchases in one calendar month |
| Deadline | While the promo runs | Requirements met by 30 November 2026 |
Why most people use the promo code
- You don’t need to know anyone who banks with ING.
- ING doesn’t want referral codes posted publicly, so a code from a stranger online may not pay out.
- The promo code is worth up to $400, and the steps are straightforward.
Get $400 with INGNEW400
ING is an Australian digital bank. New customers who open an Orange Everyday account with promo code INGNEW400 and meet the monthly requirements for three consecutive months receive a $400 bonus.
ING referral questions
How does ING refer a friend work?
An existing ING customer shares their personal referral code. You open an Orange Everyday and a Savings Booster with that code, deposit $1,000 from another bank and make 5 settled card purchases within one calendar month, by 30 November 2026. You can’t have held either account since 1 July 2019.
Can I use a referral code and INGNEW400 together?
No. ING’s terms say its offers can’t be combined unless stated, so pick one.
Where can I find an ING referral code?
Only from someone you know who banks with ING. ING asks customers not to post referral codes on public sites like forums, so codes you find online may not pay. The INGNEW400 promo code is public and doesn’t need a referrer.
I’m an ING customer. Can I refer people?
Yes, through the ING app. Your friend has to use your code and meet the requirements, and ING asks that you only share it with people you know, with their permission.
Can I get it on a working holiday visa?
Usually not. ING’s offers are for Australian residents for tax purposes, and most working holiday makers are non-residents for tax.
Other banks that pay you to join
Referral Revenue may receive a commission from the provider when you sign up through the links on this site. This does not reduce your bonus. This is general information only and not financial advice. Offer terms and amounts can change at any time, so check the provider's current terms before depositing. Cryptocurrency and share trading carry risk.