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Five financial to-dos before you travel

Your flights are booked and… bam! It hits you – the realisation of all the things you need to prepare. It feels like you’ve barely blinked an eye and now you’re not far away from boarding a plane overseas. You’re pretty sure you have enough money to get through the trip – you’ve got a credit card and they’re accepted nearly everywhere, right?

Maybe. But do you really want to take the chance? You don’t want any money issues standing in your way, so here are a few simple things you can do, before you head off, to save money, time and hassle while you’re away.

1. Backpacking or penthouse suites?

Travel sites like Lonely Planet can show you how far you can stretch your budget before you even get on the plane. Think accommodation, sightseeing, transport, food… even tipping! If you’re after a good night’s sleep without paying top dollar, head to review sites like Tripadvisor or to compare the best deals.

2. Spread the word!

You can save yourself a lot of stress by letting the right people know about your plans. Tell your bank about your travel dates for extra security. ING customers can easily log their travel plans in the ING app or via ING online banking! While you’re at it, you can also save money by putting subscriptions or memberships on hold while you’re away.

3. Know your yen from your rupiah.

Feel like you’re learning a new language when figuring out a currency conversion? Try to work out an easy comparison between the currency you’ll need and the Aussie dollar, using a currency converter like OFX. For example, at the time of publishing this article, 1,000 Japanese yen is around $13 Aussie dollars but 1,000 Indonesian rupiah is around 10 Aussie cents. It’s not perfect, but it can help you understand the amount of money you’re about to spend.

4. Prepare for pesky surprises!

No matter how well you plan, it’s always good to have something extra in your back pocket. Travel insurance is really handy if you find yourself in a jam, so take a look at some options.  ING offers for different levels of cover and a range of benefits to help with your budget and travel needs.

If you think your savings will only cover the basic expenses of the trip, then look into getting a credit card or increasing your limit for emergencies. Don’t forget to check the expiry dates on your credit or debit cards to make sure they’ll last until you’re back on home soil.

To avoid surprises when you’re souvenir shopping, check whether your bank charges international transaction fees. For instance, if you’re an eligible ING Orange One and Orange Everyday customer, you can get all ING International Transaction Fees rebated if you deposit $1,000 or more into your Orange Everyday account each month as well as make 5+ settled (not pending) card purchases.

5. Explore like a local.

When you’re travelling, one of the best ways to save is to do as the locals do. Come prepared with some local currency, so you can pay for your transfer at the airport or any other surprise costs.

Get a local SIM card or mobile wi-fi before you fly for easy and cheap internet access.

It’s also a good idea to scope out the area your accommodation is in to find some convenient ATMs to get cash out when you need it. Eligible ING Orange One and Orange Everyday customers can receive rebates for global ATM fees, so you don’t have to worry about these building up over the course of your trip. To be eligible, you’ll need to deposit your pay of $1,000 or more into your Orange Everyday account each month and also make 5+ card purchases that are settled (not pending). (A cash advance fee applies for any cash advance with Orange One.)

Whether you like to plan every detail or see where the wind takes you, being financially ready before any overseas trip could save you a whole lot of money and hassle down the track. Find out how an ING card can help you save money while you travel here.

ING Travel Insurance
ING Travel Insurance is issued by Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised Representative 1247634 of AGS.

Subject to AGS’ underwriting and ING’s Customer Eligibility and Name-Screening Assessment.

This is general information only, and does not take into account your particular objectives, financial situation and needs. You should read the Product Disclosure StatementING Customer Eligibility and Name-Screening document and Financial Services Guide available at and consider if it’s right for you before deciding to purchase or continuing to hold this product. Copies of these documents are available at

ING will receive a commission from AGS for each policy purchased which is a percentage of your premium. For further details see our Financial Services Guide.

Any policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. The price we quote is at the insurer’s sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base rate premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

Information is current as at the date of publication and is subject to change. Before making any decision in relation to an ING product, you should read the Terms and Conditions booklet and the Fees and Limits Schedule at All applications for credit are subject to ING’s eligibility and credit assessment criteria. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Orange Everyday and Orange One are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823.


Rebate Offers for Orange Everyday, Orange One and Orange One Platinum Customers

Where you satisfy the eligibility requirements* in the current calendar month, ING will rebate the following under the Global ATM Rebate and the ING International Transaction Fee Rebate Offers in the following calendar month:

Global ATM Rebate:

  • 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.

ING International Transaction Fee Rebate:

  • for ING International Transaction Fees – ING will rebate the ING 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).

*Eligibility requirements to receive the Global ATM Rebate and ING International Transaction Fee Rebate Offers – You must  perform the following  during the current calendar month to receive benefit of the above rebates next 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.

Where eligibility is satisfied, the offer will apply to:

  • all Orange Everyday accounts held in your name (either single or joint account), and
  • all Orange One and Orange One Platinum accounts held in your name (including in respect of any additional cardholder).

The ING cash advance fee for Orange One and Orange One Platinum customers 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. 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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