The ING bank is excellent in the fact that there are never any charges on my Everyday account and I can use any ATM in Australia without being charged an ATM fee. There are no physical branches for ING and so I can't rate the "branch" but every time I've called with a problem it has been solved quickly. Where ING falls down is interest rates on savings accounts. In this regard they are just like any other bank where they pay 1.25% p.a., if you're lucky, meanwhile they're making vast profits using my money on the foreign exchange. In the not too distant future the banks will have negative interest rates and this means that you will be paying the bank to keep your money. It's already in the pipeline in the U.K.
The ING smart app is not easy to use on an Android device. The smart app is too confusing when you try to work out which icon applies and when you try to create a new pay anyone or add a new PayID. Also I use ME Bank Although I can transfer ING to ME Bank in real time, it still takes 3 days to transfer money from ME Bank to ING. This Osko failure is not mentioned in ING literature. I also get confused when trying to workout how many transactions I still need to make to qualify for next month's rebate.
This bank is great. You can set up individual side accounts to save for specific goals. There are no fees for using their card at other banks and they have the best interest rates going at the moment if you use your card 5 times in a month and deposit at least $1000 into your account monthly. That is fairly easy for most of us to achieve.
Love ING! Switched a few years ago and never looked back, I have multiple savings accounts I have named myself, OSKO payments are great, I travel worldwide and have save so much money since having ING and being able to withdraw from any atm and have any fees refunded, even on international purchases my intl fees are refunded. Have gotten many friends onto ING and would highly recommend to everyone.
ING has fantastic customer service despite being all online and via telephone. They are always quick to solve any issues and happy to help. They have competitive rates and well set up accounts. They also have great travel products that do not charge for currency conversion and are super easy to use overseas.
I’ve been with ING for over 15 years and love ‘em! They are efficient, innovative and have an easy app. In comparison with most banks they charge less, are easy to contact & have no ATM fees.
Overall, very happy with ING... simple to activate account. Has the all the features I need -- Apple Pay, Second "savings account" attached, can access ANY ATM free of charge (if monthly minimums met and I always meet them). The occasional cheque I need to deposit can easily be done at my local Australia Post branch However, achieving the new bonus interest rates will be difficult
ING provides great products at low rates and with opportunities for earning high interest. Being an online bank it can sometimes be a little annoying to not have a branch to go to for cash deposits, etc. but these days it’s not that important anyway.
I like this bank because of their offers and incentives such as the everyday round up. I don't like that living in Rural QLD there are no physical banks. Also, there has been occasions where we couldn't access our funds.
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