Category: Money Matters
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Sub category: Travel
18 January 2019

Lessons from a Globetrotter – Make your money go further

When it comes to travel, everyone has their tricks of the trade. Maybe you wear as many clothes as you can on the plane to save on luggage. Maybe you’re a haggling pro. Whatever your tricks, a little travel advice never goes astray.

That’s why we spoke to Lucia, who travelled using her ING Orange Everyday card, about her travel experiences. They might just help you for your next trip.

Tell us about your experience with travel.

I’m definitely a bit of a globetrotter. I travel over to the States once or twice a year to visit my brother and his kids.

Travelling is one of the most important parts of my life – I love eating foods I haven’t tried, watching sports I’ve never seen before, and soaking in the history of a new place.

Over the years travelling there I’ve learned a lot of lessons (sometimes the hard way!) about saving money overseas.

What was your most recent trip?

Last year I brought my partner with me over to the USA to meet my nieces and nephews for the first time, so it was a huge deal.

There was a lot to think about on this trip (particularly with Christmas coming up) and I didn’t want money or what type of card I needed to be much of a concern.

What advice do you have for paying overseas?

There are other options aside from prepaid cards. If you’re travelling around with kids (when purchases seem to pop up all over the place) it can be easier to use your regular everyday transaction card so you don’t have to worry about running out or reloading money.

I loved just being able to use my ING Orange Everyday Card. There was no need to top it up, and we saved on international transaction fees and ATM fees. To receive these benefits yourself, you just you need to deposit $1,000+ into an Orange Everyday account and make five+ card purchases every month.

Prepaid travel cards also lock in the exchange rate, which can be great. But that also means you don’t benefit if the exchange rate goes up. With my ING account I received the daily exchange rate offered by Visa, without any ING fees on top.

How do you find travelling with the family?

When you travel with family, you never know what’s going to come next. One day we went to a theme park, the next day we went to the movies, and then a bunch of random stuff all over the place. I always book tickets in advance online so that we can compare prices and ensure we’re getting the best rate and not paying excess fees.

It always saves a bit of money when you bring some snacks with you when moving from place to place. It also helps to check out some free activities around your location, like beaches, national parks and hikes.

What are some travel expenses to watch out for?

ATM fees don’t seem like much at the time, but they can really put a dint in your budget after a while. Avoid withdrawing cash when you can, but if you need to, make sure you’ve done research into fees.

It’s hard to know which ATMs have massive fees overseas, so I used my ING card and got all ATM fees reimbursed. If you’ve got an ING card, don’t be afraid to just use it as your main method of payment in shops and restaurants – there’s no need to worry about ING international transaction fees. As I mentioned, just remember to receive this benefit, you need to deposit $1,000+ into an Orange Everyday account and make five+ card purchases every month.

Want to unlock the world like Lucia did?
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 Home and Contents 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 ing.com.au 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 https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.

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