Category: Money Matters
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Sub category: Travel
6 July 2018

Are we there yet? Steps to plan a family trip

Planning a family trip is a totally different beast to planning a holiday for yourself. Gone are the days of hastily booked Contiki Tours and questionable hostels. Now’s the time to craft a great holiday that everyone can enjoy, from kids to adults.

There are a few things to consider before any type of family trip, particularly when it comes to the costs of accessing money overseas. A simple way to save on this is just to use your ING Orange One and/or Orange Everyday which helps you avoid global ATM fees and ING international transaction fees (as long as you deposit a pay of $1,000 or more per month and also make 5+ card purchases that are settled (not pending) every month on your account). However there are a few other ways you can save at every step of the planning process.

Deciding on a destination

There’s bound to be lots of opinions in the family on where the best place to go is, so make sure everyone gets their say. There are a lot of factors to consider, like whether you want a relaxing holiday, or one packed with adventure. Or maybe something in between.

Sit down with the family to get a shortlist of your favourite places, then use online tools that can help you find great experiences for the best prices. For instance, Kayak helps you explore cheap flights to any destination so you can see which option works for your budget.

Think about going to a destination outside of its peak season. Though the weather conditions may not be postcard perfect, there will be less tourists to compete with and attractions and accommodation might be cheaper.

Setting a budget

Next, work out how much you need to save. The cost of your holiday will depend on where you want to go and your mode of travel – whether it’s luxury resorts or a camping, for instance. It’s a good idea to create a budget for you and your family so you all have a clear plan on how much money you need to save each week and in what time frame.

To help stop you from mixing your holiday savings up with your other savings why not name your savings account after your goal? That way you’ll know exactly how much you’ve saved towards the trip and if you need to allocate any more to get to your goal in time.

Once you’ve named your account you can also set up recurring automatic payments that send a small portion of your paycheck to your holiday fund every time you get your paycheck deposited. Then your holiday savings happens in the background.

Getting your money prepared

Have you thought about how you’re going to pay for everything while you’re overseas? If not, no worries, because that’s the next step. Consider the pros and cons of the different ways you can pay overseas. For instance cash is a great option as it’s accepted everywhere, but it’s risky as it could be lost or stolen.

Another option is to use your regular bank card or credit card. Just check if there are any ways you can avoid extra fees for accessing your funds first. For instance ING Orange Everyday and Orange One customers can get global ATM fees and ING international transaction fees rebated when they simply deposit their pay of $1,000 or more per month and also make 5+ card purchases that are settled (not pending) every month on their account.

Read up on your destination to see if bartering is common there – you can work on your gift of the gab, and try to haggle some lower prices for gifts and activities.

Finding cheap family accommodation and activities

When you’re finding accommodation for the family, sometimes it can get a bit pricey. Aim to stay in central place that’s close to attractions and activities so you can walk where you need to go and save on travel.

Get a bit creative with your accommodation choices. For instance, if you’re near a university, sometimes on-campus accommodation offers relatively cheap places to stay during semester breaks. Also, renting a campervan can be a cost efficient way to combine both transportation and accommodation.

When it comes to activities, it can be hard to find something that the whole family can enjoy. Try using a site like Explore Worldwide which helps you find great family package deals.


Register your trip with Smart Traveller before you go. This helps the government get in touch with you or your family in the event of an emergency like a cyclone.

Make sure your kids know about common travel scams and how to avoid them. Check out our guide for more information.

Check with your family doctor about any vaccinations you need to get before you head off. Nothing spoils a holiday like getting sick.


Check if your accommodation lets you rent things like prams, cribs and car seats. Not taking these in your own luggage helps you avoid paying for oversized luggage.

Load up your tablet with things for the kids to read and play if it’s a long flight. Streaming services like Stan and Netflix let you download movies and shows so you can watch them offline. This is always handy to have in your arsenal if the plane’s movies aren’t very good!

Follow these tips and you’ll be a family travel pro in no time.
For more information about how to save while you’re travelling overseas, read on.

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


The Global ATM Fee 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 (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:

  • 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 – ING will rebate the International Transaction fee (Orange Everyday) and Foreign Currency Conversion fee (Orange One and Orange One Platinum) 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 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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