Category: Money Matters
Chapter Select
Sub category: Spending
19 January 2023

Lifting the lid on hidden fees

Surprises can be great fun. Surprise parties, surprise gifts, surprise trips – all sound good right? But not all surprises are pleasant. Especially when you’re talking about hidden fees.

One of the most common hidden fee culprits is the international transaction fee on card purchases. Did you know that you can get charged international transaction fees even if the retailer is Australian in some situations?

If the transaction is not processed in Australian dollars or the retailer’s bank (or entity processing the transaction) is based overseas – which might potentially be so for some international retailers with a presence in Australia – you could get charged. It’s no easy task to make yourself aware of every single retailer where a fee can come up, but what you can do is understand the situations where they are likely to happen.

Here are a few everyday moments when you should keep an eye out for international transaction fees. Just remember you can take control of your shopping and forget these fees by getting an ING Orange Everyday account. You’ll get ING international transaction fees rebated for card purchases at any retailer. You just need to:

  • Make 5 or more card purchases that are settled (not pending) by month’s end, using your Orange Everyday or Orange One – excludes ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions, and
  • Deposit at least $1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One)

Using apps and online services

We all know how convenient apps and online services make our lives. Ordering food in, getting a lift for a night out, and being able to search for any song you want is pretty sweet. There are a lot of common services that can charge you an international transaction fee however, such as:

  • Google Play
  • Spotify
  • Taxify

Eligible customers can get this fee rebated with ING.

Playing and buying games online

If you’re a gamer, then you know how handy it is to have online platforms that allow you to play with people overseas and get games ahead of their release date in Australia from online retailers.

Steam is an example of a gaming service that can actually charge you an international transaction fee.

 So there you have it – some places where you need to look out for international transaction fees. Hopefully this guide will help you lift the lid on some of the places that might charge such fees, and help you be aware of them in the future.

You shouldn’t have to restrict yourself from online shopping – there are a lot of great deals you can find online and you can get stuff you wouldn’t normally be able to get on home turf. Just be aware of the fees and understand how you can avoid them with ING Orange Everyday card.

Take the sting out of international transaction fees.
Read on to find out about how ING cards can help you shop anywhere, stress free.

ING International Transaction Fee Rebate Offer for Orange Everyday Customers

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 (and not at a ‘pending status’) 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. When using the phrase ‘settled’ card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a ‘pending status’ and do not settle until the 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 rebate the International Transaction fee of 3% of the amount of the international transaction immediately after it is charged. If eligible, the offer applies to all accounts held in your name (either single or joint account).

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.

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. Living Super, a sub-plan of OneSuper ABN 43 905 581 638 is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by 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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