Like most banks ING are quick to increase interest rates when there is a cash rate change but very slow to decrease. You have to threaten to leave them in order to get a rate reduction. Customer service is good, usually don't have to wait too long when calling them and they are always friendly and helpful.
Most banks eat away at your balance with fees and charges. In the 10+ years I've been with ING I've received more benefits back than I've ever paid to them.
I love ING! I have never had a problem with them. The term deposit is super convenient for me and they had really competitive interest rates.
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