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ING Orange Account


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Everything You Want To Know

What is the welcome interest rate?

When you first open your ING Orange Account, your savings are invested at the “welcome interest rate” which is higher than the advantageous interest rate for the first 90 days. At the end of the 90-day period, your balance continues to earn interest at an advantageous interest rate based on your Orange Account balance. Only our customers who open an Orange Account for the first time can take advantage of the welcome interest rate.

When you open your ING Orange Account, the 90-day period of welcome interest rate will start even if you don't have money in your account. Depositing money to your account on the day your account is opened will enable you to take advantage of the welcome interest for 90 days.

You are not required to keep money in your account for 90 days. During this period, you can withdraw money from your account, zero out your balance, or close your account. When you open the account again or deposit money to your account, if the 90-day period has not ended, you continue to take advantage of the welcome interest rate. Only the days that the account balance is zero or the account is closed will be subtracted from the period that the welcome interest rate will be applied.

The welcome interest rate notified to you at the time of account opening will remain fixed during the 90-day period.

How is interest accrual in ING Orange Account?

ING Orange Account accrues overnight interest, and the interest earned is reflected on the account on an overnight basis. Since the principal and interest income are invested together every day, you gain an advantage compared to other time deposit accounts.

What is the welcome interest rate?

When you first open your ING Orange Account, your savings are invested at the “welcome interest rate” which is higher than the advantageous interest rate for the first 90 days. At the end of the 90-day period, your balance continues to earn interest at an advantageous interest rate based on your Orange Account balance. Only our customers who open an Orange Account for the first time can take advantage of the welcome interest rate.

When you open your ING Orange Account, the 90-day period of welcome interest rate will start even if you don't have money in your account. Depositing money to your account on the day your account is opened will enable you to take advantage of the welcome interest for 90 days.

You are not required to keep money in your account for 90 days. During this period, you can withdraw money from your account, zero out your balance, or close your account. When you open the account again or deposit money to your account, if the 90-day period has not ended, you continue to take advantage of the welcome interest rate. Only the days that the account balance is zero or the account is closed will be subtracted from the period that the welcome interest rate will be applied.

The welcome interest rate notified to you at the time of account opening will remain fixed during the 90-day period.

Can I deposit any amount of money to my ING Orange Account?

Yes, you can deposit any amount of money to your ING Orange Account. However, the advantageous interest rate and welcome interest rate of ING Orange Account is valid for balances up to 100,000 TL. If your balance exceeds 100,000 TL, the portion that exceeds this amount will earn interest at a lower interest rate.

For detailed information about ING Orange Account interest rates, click here.

Is there a fee for ING Orange Account?

No fees are collected from ING Orange Account.

You don't pay any fees to open an account, and the account is not subject to an account management fee.

Additionally, you don't pay any fees for the EFT and Money Transfer transactions performed through Online Banking and Telephone Banking. When you perform your money transfer transactions through our branches, standard fees will be in effect.

For what term can I place an automatic payment order for my ING Orange Account?

You can easily build up savings by placing a monthly order from your ING Current Account or ING Bonus Card.

What is the interest rate that my savings will be invested in after the welcome period ends?

At the end of the welcome period, your savings will be invested at the advantageous Orange Account interest rate based on the balance in your account. In the case that your balance exceeds 100,000 TL, a lower interest rate will be applied only for the portion that exceeds 100,000 TL.

I have opened 2 Orange Accounts with accumulation feature. What interest rate will I get?

Your interest rate is calculated according to the total balance of your ING Orange Accounts. If you are in the welcome period, your balance up to 100,000 TL is invested at the welcome interest rate. If it is after the welcome period, you get the advantageous interest rate specified based on your total balance. For example, if you have 2 Orange Accounts with balances of 35,000 TL and 40,000 TL, you earn interest at the interest rate of the 50,000-100,000 TL bracket based on your balance of 75,000 TL. If your balance exceeds 100,000 TL, a lower interest rate will be applied only for the portion that exceeds 100,000 TL.

How can I withdraw money from ING Orange Account?

You can withdraw cash from our nearest branch, or withdraw money from our ATM's by transferring money from your ING Orange Account to your ING Current Account.

ING Orange Account cannot be directly accessed through ATM's.

How can I deposit money to ING Orange Account?

You can deposit money to your ING Orange Account by depositing cash through our nearest branch or by wire transfer from your other accounts. You can also make EFT and Money Transfer to your ING Orange Account.

Can I deposit money to ING Orange Account anytime I want?

Since there are no terms in ING Orange Account, you can deposit money to your account everyday whenever you have money. Furthermore, if you deposit the money before 17:00 on weekdays, the amount starts to earn interest on the same day.

Can I perform my daily banking transactions through ING Orange Account?

ING Orange Account is designed as a savings account. Therefore, it is not possible to perform daily banking transactions such as bill payments, automatic/standing payment orders through this account.

How can I make EFT/Money Transfer from ING Orange Account?

You can make EFT/Money Transfer directly from ING Orange Account without the need for a separate current account.

You can perform your transactions through the branches during business hours, and through Online Banking and Telephone Banking 24/7.

Future-dated EFT/Money Transfer transactions and standing EFT/Money Transfer orders are not possible through ING Orange Account.

If I have more than one ING Orange Account, will there be any difference between my accounts?

Your first ING Orange Account will be opened as the main account, and the others will be opened as sub-accounts linked to your main account. The sub-accounts operate with the features of the main account, and get the welcome interest rate or the advantageous interest rate based on the period that the customer is in. In cases where the total balance of the main account and sub-accounts exceeds 100,000 TL, the portion that exceeds 100,000 TL will earn interest at a lower interest rate specified by the bank.

Can I define automatic accumulation feature on more than one ING Orange Account?

Yes. You can open more than one ING Orange Account and separately define automatic accumulation feature on each of them.

What happens if I cannot pay my card debt?

In the case that you don't pay your total card debt or the minimum payment amount plus the saving amount you have determined, the transfer to your ING Orange Account will not be carried out for that period, and no interest will be reflected on your credit card.

When will the order I have placed from my credit card to my ING Orange Account be executed?

The saving amount you have determined will be reflected on your credit card on the statement closing date of your credit card. In the case that you pay your total card debt or the minimum payment amount and your saving amount until the payment due date, the relevant amount will be transferred to your ING Orange Account.

When will the order I have placed from my current account to my ING Orange Account be executed?

The saving amount you have determined will be transferred from your current account to your Orange Account after 17:00 on the transfer date, and will start to earn interest on the next business day.

What happens if the balance of my current account is not sufficient for the order I have placed?

In the case that the balance of your current account is not sufficient for the amount you have determined for the standing payment, the transfer will not be carried out for that period. The transfer will continue in the next period if the balance is sufficient.

Can I save in ING Orange Account on behalf of my spouse or child?

You can place a standing saving order from your own current account to an ING Orange Account opened in the name of your spouse, child or anyone else.

With orders placed from your ING Bonus Card, you can only save in your own Orange Account.

How can I make automatic payments to my ING Orange Account?

You can make automatic payments to your ING Orange Account by placing an order from your ING current account or credit card, and start saving.

What is the accumulation feature of ING Orange Account?

With the standing order you will place for your ING Orange Account, you can regularly deposit money to your account, and build up savings without even realizing it.