I was initially concerned by not having the ability to go into a Branch due to ING not having any physical branches; however their online and phone customer service is on par if not better than other banks I have dealt with at the Branch level.
Great and easy service. No cons that I have found.
I like the fact that ING has an excellent online interface, competitive rates, and the flexibility to make extra repayments. I would like the ability to make further repayments without incurring break fees. At the moment, I can only make $10,000 in additional repayments a year. Overall though, I enjoy banking with ING.
ING's customer service is stellar! So helpful and warm, I have a number of accounts/loans with them. Unfortunately they couldn't be as competitive with my recent mortgage refinance, but they were so sweet I felt like staying with them just because.
Clear communication, always competitive, easy to deal with.
I like ING bank as their customer service which has been outstanding for us, products on offer are fairly pretty good but there's is never any pressure which is why iwe rate ING so highly.
ING are very transparent with their services, products and fees - which is the foundation of trust-based banking that initially drew me into banking exclusively with them. ING products and services meet all my diverse banking needs - from a high interest savings account, home loan, everyday banking and insurance. As time goes on and my needs evolve, I envision transitioning into using more ING services. ING's user-friendly online platforms allow me to manage all of these services and products from my personal devices anywhere in the world, which suits my busy lifestyle. I have never felt more at ease managing money using their secure online platform. Staff responsiveness and general customer relations are exceptional, (including call-centre and online) despite COVID adersely impacting many like corporations I understand that there are limitations to service due being branch-less, but I am happy to work around these in order to enjoy low-cost no frills, low/no cost banking! I would not bank with anyone else, and will continue to advocate for more Australians to make the move to ING!
Great, easy to use online app. Good flexibility. Was good rates at the time we got it (2.5 years ago) but not as competitive now. Offset accounts feature is good and ability to have fixed and variable portions. No ATM fees which is great.
Treatment of long-time customers is shocking and shabby. I used to bank with ING - simple products and easy to use generally though you have to be disciplined with something like the Mortgage Simplifier as it is all in one pot - the home loan and the offset. Beware if you want to leave them. I had my home loans with them. We were looking to refinance and buy a new property. All tracking along well initially but at the 11th hour of moving forward, they changed their rules unilaterally to not lend at all to those running a business. Doesn't matter I was a long-time customer with all my finances there and all paid on time every time just a straight 'we can't help you and further more, you have to move.' Found another bank (better rate and features too actually) during the refinancing and their discharge - there were suddenly more fees added without notice including their legals that I have no say over and that changed since those that were sent to me when I took out the home loan. Will never go back and managed to remove all my savings and super from them too. What a shoddy way to treat a long time customer. Only seem to be interested in shiny new ones!
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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