Anyone using the above accounts? At ING you open a savings maximiser (savings account) and a orange everyday (transaction account), both free. You then link together, so that transfers between accounts are instant. Orange everyday account gives you a visa debit card to use for free as well. It would seem to be a good account for having your wages go into? Use any ATM in Australia for free (any bank, anywhere) when you deposit your pay of $1,000+ each month. No monthly 'account keeping' fees Get 2% cash back on Visa payWave purchases under $100 in Australia when you deposit your pay of $1,000+ each month.