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ING Direct Referral Program: Now Capital One 360

This article was written by in Banking. 150 comments.

Update: ING Direct is now Capital One 360. The referral program still exists. There is more information in this review of Capital One 360.

If you have $250 and are willing to become a customer of ING Direct, you have the opportunity to earn $525 on top of your deposit. It will take some work, but not too much. Here’s how it works.

First, open an account at ING Direct using one of the links at the bottom of this post. There are ten links listed for the savings account and ten for the checking account, but choose only one. You must not currently be an ING Direct customer and you must provide an initial deposit of at least $250 in order to receive a $25 bonus for opening the account.

Banking Deal: Earn 1.75% APY on an FDIC-insured money market account at CIT Bank.

If you choose the Orange Savings Account, also open the Electric Orange Account afterward, and vice-versa.

After your accounts are created and funded, you will eventually see a link at the bottom of your account information website. This feature might not be available immediately for new customers, but with time, the option will be present. Click on the “Earn $$$: Refer a Friend” graphic to receive the opportunity to refer 50 of your friends, 25 for the savings account and 25 for the checking account. Each successful referral will earn you $10. If you don’t have 50 friends, you can email me. I’ll post your referral links once mine expire so you can benefit from the power of the internet.

ING Direct is one of my favorite banks, despite their lagging interest rates. The current rate on savings accounts is 0.90% and the rate on checking accounts is tiered with a maximum of 1.10%, but these rates are subject to change. These rates are better than most brick and mortar banks but low on the list of high-yield interest-bearing accounts.

Updated September 23, 2015 and originally published April 10, 2008.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

avatar 1 Anonymous

I have a ton of referrals, but sadly, no one to refer. Would it be possible to get some of your overspill?


avatar 2 Luke Landes

Shottagyal and anyone else who has links: Yes, I will post them once we’ve cycled through the 50 existing links (I’ve only listed 20 above so far). Email me so I can put your name on the list — but don’t send me the links yet. I don’t know how long it will take to get through the 50 existing links and I don’t want yours to expire before I’m able to post them.

avatar 3 Anonymous

Any way to take advantage of this if I’m already a customer?

avatar 4 Luke Landes

Aaron: Existing customers should have the “Refer a Friend” link at the bottom of account information pages, with an opportunity to earn $10 per referred sign-up.

avatar 5 Anonymous

I used OSA10 – 01 was already used

avatar 6 Anonymous

HSBC is the one to go with – paying 3.55%

avatar 7 Anonymous

How do you go about getting the links that you post on your site? Do you email all the referrals to your own email address & then copy the individual links?

avatar 8 Anonymous

Alas, if I could only convince 50 people to sign up! I’m still trying to convince them that it’s an easy $25! I’ve got some extras if you’ll take ’em. :)

avatar 9 Luke Landes

Paul: The best way to keep it organized, as I learned today, is to use your own email address as the recipient.

Debt Defier: I’ll definitely be looking for more links to share once I’ve gone through 25 OSA and 25 EO links. I’ll send you an email.

avatar 10 Anonymous

Aaah, getting 50 people to sign up is too much work (unless I had my own site with as much traffic as yours, Flexo). HSBC, ING-Direct and GMAC are all clocking in at 3% +/- 0.05% today.

By the way, what’s with the ad on your site for “ThinkCash” ? Is it in your best interest as a PF blogger to propagate this sort of payday lending (with interest rates from 87% – 365% APY, as quoted from their website frontpage).

While the ad doesn’t count as an “endorsement”, you still will generate revenue based upon some idiots click through to a site that could potentially keep them in the vice-grips of debt.

Oh well, business is business as they say.

avatar 11 Anonymous


I am confused…I sent the referral to myself. Do I send 10 referrals to myself?

Then how do I get them to you to post?


avatar 12 Luke Landes

Gerry and Jonathan: I responded via email.

avatar 13 Anonymous

benefitsme: HSBC is paying 3.05%, not 3.55%.

avatar 14 Anonymous

Please send me a referal link for the electric orange
none fo them work
thanks, Suz

avatar 15 Luke Landes

Suz: I sent you an email. I’ve also updated the page with fresh links.

avatar 16 Anonymous


I sent myself an email using the referral tool and I don’t see a code anywhere? How can I get the code to you? Thanks.

avatar 17 Anonymous


I have 50 referrals to provide, but I am unsure of how to get them to you? Do I email myself and send you the code, or just have them directly sent to you?

Thanks for any help you can provide…

– Josh

avatar 18 Anonymous

I have some referrals to provide as well. Please email me when you need them.


avatar 19 Luke Landes

I have sent emails out to everyone on the waiting list asking for two per person. I’ll add the links in the order I receive them.

avatar 20 Anonymous

I have links I can provide.

avatar 21 Anonymous

Flexo, please add me to the referral waiting list. Thanks!

avatar 22 Anonymous

I have some referrals too. Can I share them? let me know. Thanks.

avatar 23 Anonymous

I have an ING account and would love to have some referrals as well! What do I need to provide?

Thank you!

avatar 24 Anonymous

Hi Flexo, could you please add me to the referral waiting list as well? Thank you!

avatar 25 Anonymous

Hey I still have most of my ING links for checking and savings, if you want I can email you the links and we can share the gains…I’m not sure how to find your email address so I’ll just give you mine: [email protected]

just shoot me an email if you run out of links

avatar 26 Anonymous


Can you also add me to the waiting list? I have plenty of links to provide.


avatar 27 Anonymous


Can I get onto the waiting list?

avatar 28 Anonymous

Can I get on the waiting list? Thanks a lot!

avatar 29 Anonymous


Can you add me to the waiting list as well.


avatar 30 Anonymous

Please add me to the referral waiting list.

Thank you

avatar 31 Anonymous

I have referral codes and would like to be added to the waiting list. Thank you!

avatar 32 Anonymous

I have ING referrals also. Can you add me to the waitlist?

avatar 33 Luke Landes

I’ve closed the waiting list for now, but subscribe to the Consumerism Commentary RSS feed to be informed when the waiting list is open again.

avatar 34 Anonymous

I have referral codes and would like to be added to the waiting list. Thank you very much!

avatar 35 Anonymous

I have some referral codes left. Please add me to your waiting list.

avatar 36 Anonymous

I am more than happy to share my referral links. Please let me know if I can be added to the waiting list!

avatar 37 Luke Landes

Waiting list is closed again with 84 names. Thanks everyone!

avatar 38 Anonymous

Just tried OSA32 and OSA40 and both said were expired. Would love to open very soon with a link Please advise.
thanks for this service.

avatar 39 Luke Landes

Those links appear to be valid at this time. If they didn’t work for you try another one listed above.

avatar 40 Anonymous

Just tried again using OSA38 and received the following:
The reference code you have entered is not in our records. It may have been entered incorrectly or may no longer be a valid promotion. Please double check and correct if necessary. If you are having difficulty you can call an ING DIRECT Sales Associate at 1-888-ING-0727 between 8AM and 8PM.

avatar 41 Luke Landes

Casey: You don’t need to enter any reference code. Just follow the instructions in the post above. Click on one of the links. As long as the top of the next page doesn’t say that the link is expired or invalid, then yu’re good to go. Don’t enter any reference codes.

avatar 42 Anonymous

i have ing referrals please add me to your list !

avatar 43 Anonymous

Hello, Please send me an email describing what I can do to gain money this way with you.

avatar 44 Anonymous

I am an ING Direct customer and would love the referrals. Please let me know when and how to post my referral links once yours expire.

I’m a directTV custom and they have a 50-50 promotion. Every new customer get $50 thru my referral and I get $50 for tell my friend. Would there be a way to promote my referral code? If so, please email me I will gladly provide you with my codes. I also have an AT&T referral code I would like to share. Thanks.

avatar 45 Anonymous


I am ING Direct customer as well and I do not know 50 people to send referrals too.

What do I need to send to you?

Thanks for your help!

avatar 46 Luke Landes

For everyone who has commented, the waiting list is not open right now. Watch Consumerism Commentary for an announcement when the list is open again.

avatar 47 Anonymous

I have links. When you are ready for them, please contact me.Thank you!

avatar 48 Anonymous

I opened an account using the link OSA99. It started out fine. When I started the application this was at the top of the page, “Start savings with a great rate. To receive your $25 bonus, open and fund your Orange Savings Account with at least a $250 initial deposit.” BUT when I finished I was given this message, “We’re sorry, but in the time in between when you started your application and now, the referral/gift has expired. So, no referral bonuses or gift funds can be paid.”
What’s wrong?

avatar 49 Luke Landes

It sounds like someone used the same code as you at roughly the same time and they finished their application first. I’ve never heard of that happening before. I would call ING Direct and talk to customer service about that. That link does not appear to be expired yet.

avatar 50 Luke Landes

As of Thursday, 9:30 PM ET, the waiting list is now open. Join the waiting list here.

avatar 51 Anonymous

OSA108 is now used. Thanks.

avatar 52 Luke Landes

Waiting list closed again.

avatar 53 Anonymous

Please add me to your waiting list for the ING referrals. I opened an account thanks to this article.. I’d like some information on how the set up the referral thing for you to post here.


avatar 54 Anonymous

I opened 2 ing accounts, one electric orange and one savings thanks to this page. I would like to be on your waiting list to put up my referral links. Thank you

avatar 55 Anonymous

I just opened an account using your links (#126). Please let me know when you need more referrals!


avatar 56 Anonymous

Just opened an savings account. Let me know if you need any referrals. Many thanks

avatar 57 Anonymous

Have some savings account referrals if you need them :)

avatar 58 Luke Landes

The waiting list is currently closed. I will post a message on Consumerism Commentary if and when I re-open the waiting list. Thanks!

avatar 59 Anonymous

I opened an ING Checking account with one of your links and I’m looking for one for my wife. If you or any of your readers have a referal link she could use, I would appreciate it. Or if you deem it appropriate, I can send you my referal info from ING.

Brian ~aka Glymmar

avatar 60 Anonymous


Great to hear you signed up! Why not do what I did with my wife… refer her to yourself and you get the $10 and she gets the $25!! If you don’t let me know and I’ll give you one. Have a great day!

– Joshua

avatar 61 Anonymous

Thanks for the suggestion. It did cross my mind at one point, but I was unsure if ING would allow it.

Thanks again,
Brian ~aka Glymmar

avatar 62 Anonymous

Hello! I also opened my orange savings account from one of your links maybe 2 months ago or so and have been reading this site since.
I’ve got plenty or referrals I can send you, but I don’t have your e-mail address either.

avatar 63 Anonymous

shoot me an email @ [email protected] for referral links…..I’ve tons of referral links..


avatar 64 Anonymous

I used OSA 189. Wanted to let you know, and to thank you for a great blog!

avatar 65 Anonymous

i have many referral links to give as so far I’ve referred no one:)

avatar 66 Anonymous

Hi Flexo,

I have only had one of my referral links used by a friend. Would you please post some of mine when you have the time? I would really appreciate it! I love your site!


avatar 67 Anonymous

I used OSA190 and it’s done…

avatar 68 Anonymous

I have lots of referral links. I’d love to pass them on when you need more…

avatar 69 Anonymous

I was curious if I could get a referral link sent to me. I will post by email address if necessary. I am looking to open an account and an extra $25 would be real nice. Thanks.

avatar 70 Luke Landes

Kasey: The unused referral links are posted towards the top of this page.

avatar 71 Anonymous

I have a lot of referral links as well. Just let me know!

avatar 72 Anonymous

Hey please add me to your waitlist. I have plently of links to offer.

avatar 73 Luke Landes

The waiting list is currently closed but may open shortly. Keep checking here.

avatar 74 Anonymous

All of the OSA links have run dry. I’m ready to start an account as soon as I get a link.

avatar 75 Luke Landes

Demetri: I’ve posted new links.

avatar 76 Luke Landes

If you’d like to share your own ING Direct referral links, read this information. I’m now looking for Consumerism Commentary readers to share links by adding their names to the waiting list.

avatar 77 Anonymous

Hi Flexo,
Please add me to you waiting list. I have many referrals unused for both ING direct Savings as well as Checking.

Thanks so much

avatar 78 Anonymous

Hi, Please also add me to the waiting list. I have lots of referrals for the ING Orange Savings. Thank you!

avatar 79 Luke Landes

Alice: The waiting list is currently closed. I will post a message when I’m looking for new volunteers, but it will be several months from now.

avatar 80 Anonymous

Please add me to the list as well. I have all the referrals you need! Thanks!

avatar 81 Luke Landes

The list is closed at the moment. Once it is open, I will post a message on Consumerism Commentary.

avatar 82 Anonymous

I’ve got links as well. Please let me know if/when you can use them.

Thank You.

avatar 83 Anonymous

I used OSA282. Thanks!

avatar 84 Anonymous

I would like to take advantage of this program but all links have expired.

Please give us new links

avatar 85 Luke Landes

Rodney: More links are now available. Thanks!

avatar 86 Anonymous

Hey Flexo,

Please add me to the waiting list.


avatar 87 Anonymous

Hi Flexo,
Great site. Please add me to the waiting list.


avatar 88 Anonymous

Just to confirm — does there need to be any reference to the $25 bonus on the application page itself once you get there? The links i clicked took me to an application page but there was no mention of $25.

avatar 89 Luke Landes

At the top of the application, where you first enter your name and address, you should see this:

Start savings with a great rate. To receive your $25 bonus, open and fund your Orange Savings Account with at least a $250 initial deposit.

avatar 90 Anonymous

Thanks — just opened one and got the $25. I hadn’t gotten far enough on the form. Probably will be able to supply some links myself.

avatar 91 Anonymous

I have some referral links available if you need more.

avatar 92 Anonymous

hey great article, i just opened my account w/ 250. But i dont have anyone to refer.. could you post my link on your page?

avatar 93 Anonymous

I have a few referral links too. Let me know. Thanks!

avatar 94 Anonymous

Hi Flaxo,

It Looks like all your referrals have exhausted.


avatar 95 Anonymous


Please add me to the waiting list so I can give you some referral links. Thanks Flexo!

– Joshua

avatar 96 Anonymous

Please add me to the list! :)

avatar 97 Anonymous


Add me to your waiting list.


avatar 98 Anonymous

I have no one to refer to my account, could you post my link?

avatar 99 Anonymous


Please add me to your waiting list.


avatar 100 Anonymous

I also have referrals. Please add me to the list.

avatar 101 Luke Landes

To everyone who has commented recently: I currently have more than enough names on the waiting list, so I’m not taking any new names right now. I will post a message on Consumerism Commentary when the waiting list is open once again, so make sure you’re watching for it.

avatar 102 Anonymous

OSA305 was already expired. I used OSA311 to open my account. Thank you.

Also I have some referrals once you start accepting more names for your waiting list.

avatar 103 Anonymous

OSA 305, 311, 313 are expired. I used link OSA314 successfully. To what email address should i write my referal link to get it posted on this website? And also, how come all the electric checking accounts links are crossed out?

avatar 104 Luke Landes

Thanks. All new referral links are now posted for OSA. The waiting list for those wishing to offer new referrals is currently closed as I have a long list of people already waiting. I’ll announce on Consumerism Commentary once the waiting list is open again.

avatar 105 Anonymous

What about the electric accounts links, they are all crossed out. Where exactly will you annonce that the wait list is open again?

Thank you

avatar 106 Luke Landes

The Electric Orange links aren’t used frequently enough for me to ask visitors to provide them any more. You can visit this website, Consumerism Commentary, to be alerted when the waiting list is open again. It may be easier to subscribe to the RSS feed so you are alerted automatically.

avatar 107 Anonymous


Are you still reposting people’s ING referrals?? I’m in the process of using one of the referral links you have up right now and would love if you could put mine up!! Thanks for your time!!



avatar 108 Luke Landes

Glad you are able to use the links! Right now, the waiting list for posting referrals links is full. I’ll announce on Consumerism Commentary once it is open again, but it will be several months.

avatar 109 Anonymous

I tried the referral links 333 thru 337 listed above and all were expired. Are there any links waiting to be used?

Thank you!

avatar 110 Luke Landes

I’ll put up some new links tonight, thanks! I have many on the waiting list.

avatar 111 Anonymous

The links are expired for the savings. Please post new links. Thanks!

avatar 112 Anonymous

All $25 bonus links have expired:
OSA348 OSA349 OSA350 OSA351 OSA352 expired

avatar 113 Anonymous

Hi there! I’ve got referrals and would like to get on your list. By the way, i’m new to the world of blogs, and I love yours!! Thanks for all your info!

avatar 114 Anonymous

New links? Are they expired?

avatar 115 Luke Landes

I’ve added a few new links today and there will be more as I receive them.

avatar 116 Anonymous

OSA365 and OSA368 have expired

avatar 117 Luke Landes

I’ve struck them out and sent out a request to the next individuals on the waiting list.

avatar 118 Anonymous

Hey I have plenty of referrals left, would you mind posting mine up? Thanks

avatar 119 Luke Landes

The waiting list is currently closed. Check back in a few weeks, it may re-open soon.

avatar 120 Anonymous

Please add me to the referral list if you still have room.

avatar 121 Anonymous

Please add me to the referral list if you still have room. Thanks!!!

avatar 122 Anonymous

Great site! I would like to be informed when the waiting list is open again please. Thank you.

avatar 123 Anonymous

All links have expired. Could you please put new links.

avatar 124 Anonymous

This is an awesome thing you are doing with sharing ING referrals! I am going to try to add your website to my daily reading. Listening to your recent Podcast now.
I have exhausted my family referrals to ING and I would like to use your website if there is room. Please send me instructions on how to get my referrals listed. Thank you!

avatar 125 Anonymous

Could somone add some more links?

avatar 126 Luke Landes

New links are now posted, as of July 16, and more to come.

avatar 127 Anonymous

Is the waiting list open right now? I’m confused about how to send you the links.

avatar 128 Luke Landes

No, the waiting list is not currently open.

avatar 129 Anonymous


I signed up through one of the links you posted and never received my $25. I called ING Direct and they said that the link must have been used too many times, so there is no way I can get my $25. :(

avatar 130 Luke Landes

Each link can be used only once. Did you check to make sure you didn’t receive an expired link warning when you were filling out the application? Did you deposit at least $250 in you initial funding deposit? The links will work correctly if you follow those two guidelines.

avatar 131 Anonymous

Yes and yes. I received no warning and I deposited $250.

avatar 132 Anonymous

Hello Flexo, I would love to get on the waiting list to post some of my referral links for the savings and checking accounts. Please email me and let me know how I may do so, thank you very much! -Daniel

avatar 133 Anonymous

Hey, that’s awesome that you are willing to help people out like that! I’d like to get on your list to send you my referral links!

avatar 134 Luke Landes

The waiting list is now open again, but for a limited time. If you are interested in adding your name to the list, leave a comment on Consumerism Commentary letting me know you’d like to be added as soon as possible.

avatar 135 Anonymous

I’d like to be added to the list! Thanks!

avatar 136 Anonymous

I’d love to be added to the list. Thanks Flexo.

avatar 137 Anonymous


Please add me to the list.


avatar 138 Anonymous

I have links and would like to be added to the list. Let me know. Thanks!

avatar 139 Anonymous

I’d like to be on the list. Thanks Flexo!

avatar 140 Anonymous

add me to the list please

avatar 141 Anonymous

Please add me to the list. Thank you!

avatar 142 Anonymous

Please add me to the list. Thank you

avatar 143 Anonymous


Please add me to the list.


avatar 144 Anonymous

Hi Flexo,

I would like to be added to the list as well.


avatar 145 Luke Landes

The waiting list was closed again on August 18. You must subscribe to Consumerism Commentary or read current posts to find out the specific times the waiting list is open. Those who responded after August 18, 11:15 pm, are not included on the waiting list.

avatar 146 Anonymous

I have more referral links… contact me, we can help each other out!

avatar 147 Anonymous

Are there still spots to submit links for others to use?

avatar 148 Anonymous

Why don’t you have links available? I know that I have links that I would love to contribute.

avatar 149 Anonymous

Hi Flexo, Great site! I would like to sign up and add my link as well. Please let me know.


avatar 150 Anonymous

Add me to the list please. Thanks!