Category: Money Matters
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Sub category: Spending
17 September 2018

Lessons from a Globetrotter – Save while being spontaneous

When you’re looking for travel tips, it always helps to turn to friends and family. But why not also learn from the travel pros – the globetrotters who live and breathe travel?

We spoke to one of our customers Jake, who recently had a whirlwind trip with his fiancé, to learn some of his favourite ways to travel the world and save at the same time.

What’s your best tip for a trip to remember?

Don’t be afraid of spontaneity. When you’re overseas, you never know when another adventure is going to pop up, so my philosophy is to be as open as you can to doing new things. The last thing that should be on your mind during a trip is stress.

It’s like when my fiancé Mim and I went on our trip in Europe. We had these spontaneous experiences Mim called “Honey-Jake Moments.” They were things like going to London because we saw our favourite football team was playing, or stopping by a certain restaurant in Florence because we heard it had the best steak in the world. Those are the things that really made the holiday special.

How do you handle accommodation when you’re travelling spontaneously?

When you’re travelling from place to place quickly I don’t feel bound to booking hotels or resorts – I like to find the best value option online when I’m on the go. When we were travelling around on our trip, Mim and I would book things like Airbnbs online as we went, which tended to be a lot cheaper than booking hotels.

Try resources like that help you book cheap accommodation when you’re pressed for time. Quick sites like this get you what you need without logistics getting in the way of your holiday.

How do you pay while you’re travelling?

Don’t underestimate the power of cash. Mim and I would withdraw a set amount of cash each day. It meant that we had a limit for ourselves so we didn’t go completely out of control.

This meant we could be spontaneous with our “pocket money” for the day without over spending and leaving ourselves without enough for the next 2-3 weeks.

We didn’t have to worry about getting stung by ATM fees because with our Orange Everyday card we could withdraw from any ATM guilt free. To get this benefit you need to deposit $1,000+ into an Orange Everyday account and make five+ card purchases that are settled (not pending) by month’s end every month.

Do you have any tips to save while shopping overseas?

Read up on the language of the country you’re going to so you can haggle and bring the price down a bit for whatever you’re buying. Fortunately Mim has a Masters in linguistics so we had this covered.

Just remember at a lot of smaller marketplaces they might only take cash. Global ATM fees can be pretty costly so find some ways you can avoid them. Again, with an ING Orange Everyday, you can get ATM fees rebated within 5 business days. You just need to deposit your pay of $1,000+ into an Orange Everyday account each month and make five+ card purchases that are settled (not pending) by month’s end every month to get this benefit.

Want to have spontaneous travel experiences without being bothered by fees like Jake?
Read on to find out about ING cards that help you trot the globe without any stress.

Important information

Rebate Offers for Orange Everyday Customers

The Global ATM Rebate Offer and the International Transaction 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 bank account 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 (not pending) 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 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 that are settled (not pending) 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:

  • 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 International ATM withdrawal fee of $2.50 immediately after it is charged 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, and
  • for ING international transaction fees on card purchases – ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction 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 (either single or joint account).

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

The information is current as at publication. 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. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms

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