ING Orange Everyday
212 reviews
It was a very bad experience to contact ING customer service with one faulty transaction. I was unable to contact the person who was in charge the fund recovery after I was told that ING hadn't received a response from the bank which held my money incorrectly. The ING customer service officer told me ING can make only one attempt to contact the… Read more
other bank on my behalf. If the attempt wasn't responded, ING has not more responsibility to try second time. The case was closed because there is no funding to try again.
Try to close my Orange Everyday Account and Savings Maximiser account. Trying to close it outline but was told account need to be zero. Trying to transfer out to make it zero but blocked because it’s dormant. Try to message them to close the account… Read more
but to no avail. Finally have to call them. The wait time is on access of 30 minutes and there is no call back facility. An absolute pain to deal with. The reason to close the accounts in the first place is because their bonus interest is also a pain to navigate.
Follow-up · The online process looks slick but does not deliver what it said. Example, was told I could close the account balance is zero which is not true if the account is dormant or a block is in place. So the message does not take into considerations all the facts and lead you on a wild goose chase. Having to make five transactions a month is a pain… Read more
I am writing to raise a serious concern regarding the communication and application of non-ATM transaction fee rebates on ING Orange Everyday Accounts. Based on publicly available information, customers are led to understand that they are eligible for reimbursement of up to five non-ATM transaction fees per month. However, in practice, these… Read more
rebates have not been applied as expected. Despite meeting what appear to be the stated eligibility criteria, no reimbursements have been processed on multiple occasions.
This issue does not appear to be isolated. I am aware of a significant number of other customers—estimated between 50 to 100 individuals—who have experienced similar outcomes. This raises concerns about whether the product features are being clearly and accurately communicated, or whether there are inconsistencies in how eligibility criteria are being applied.
The discrepancy between what is advertised and what is delivered creates confusion and undermines customer trust. Transparent and consistent information is essential when customers are making decisions about financial products, and any misalignment has broader implications for consumer confidence.
Given the seriousness of this matter, I intend to escalate this concern to the appropriate regulatory bodies, including AFCA and ASIC, for further review. I believe it is important that this issue is thoroughly investigated to ensure fair treatment of customers and clarity in financial product disclosures. ING deserve huge penalties from Reserve Bank.
Reviews with attachments
If you wanna waste your time go with ING – No one takes phone calls I’m on the line right now 55 mins no one answering. Just a simple transaction issue no one can help. Sent email seek for help no reply either. What a hopeless bank. If you wanna waste your time go for it.
Positive reviews
I cannot recommend ING enough. In an era of endless automated menus, it is so refreshing to call and get through to a real person straight away. The customer service is exceptional—I’ve never felt like 'just another number.' The staff are genuinely friendly, happy, and willing to go the extra mile. They’ve even cracked a joke to brighten my day when things were going rough.
I changed to ING for banking approximately 1-2 years ago. Call wait times are better than other banks I've been with, good opening hours call times. The mobile app is easy to use and straight forward with notifications if there is upcoming maintenance. It's also easy to use the online services on a desktop. Customer service has always been… Read more
reassuring and they always go above and beyond to help me. The lady I spoke to today about an issue (25/07/25 approx 7pm AEST I don't recall her name) was incredibly helpful and understanding - I hope she gets notified about her customer service, thank you! I love how there's an everyday round up - there's always a bit of extra money going into a savings. I also used an ATM a few days ago to get cash out and there was a $3.30 fee, which was returned to me through ING. I'm very happy with the customer service and ING as a whole, the absolute best banking company I have ever been with. I wish that I had joined with them sooner.
In June this year, l had informed Ubank regarding my overseas travel through the app. I was unable to use my Ubank debit card during my holidays. Luckily, l was able to use my ING debit card for purchases and ATM withdrawals; international transaction and ATM withdrawal fees were rebated to my bank account instantly. ( I follow ING monthly conditions to qualify for these fees rebate.). It is better to bring more than one card for overseas use.
Negative reviews
Have just found out that ING is no longer refunding ATM Fees charged by an ATM Operator.This is outrageous given that this Bank does not have any of its own ATM's. Definitely not looking after older Australians.Shame on you ING
Lack of security on your accounts, and lack of responsibility for it when questioned. Refused to divulge how the accounts are protected, then ghosted me afterwards. No response from the threat team in month after repeated back and forth. Zero trust in having a secure account with ING.
ING do not have an ATM network. Up until recently, this didn't matter because they rebated the operator fees when using an ATM with their debit card. They have just removed this rebate. This makes using an ING orange everyday account much less attractive. The interest rates provided are no longer competitive and the big banks at least provide free withdrawals.
Recent reviews
Upholding "know your customer" regulations is fine but ING's app consistently fails when you try to send through a photo of verification documents, gets stuck in a loop, and then your account gets frozen. They tell you to go to the police to verify documents but NSW police use different wording to what they want so they reject it. I live miles… Read more
from a JP. And that's not even beginning to talk about their despicable fossil fuel investments ($18billion in 2023 alone!)
Some years after discontinuing physical security keys (tokens) for customers to increase profits by a few lousy bucks, ING *still* has no alternative in place other than sending out highly insecure SMS codes, and then only to Australian numbers. So if you ever travel internationally, or beyond the range of mobile services, expect hours of inconvenience — just to use your own money.
ING’s Internet banking summary of mortgage debt is misleading and confusing. Instead of providing a total of the debt owed (plus the accessible amount), it separates the two and you need to calculate both figures in order to work out the total amount left on your home loan. No other banks we have used previously (4 in total) display the mortgage… Read more
debt in this way. The customer service employees struggle to explain this layout also. Solution? Just provide the mortgage debt summary as one total figure like every other bank does.
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Customer service has taken a sharp turn for the worse – Have banked with ING for nearly 11 years. Have always had good experiences with them, until recently. Clearly their customer service has gone down the toilet. Three times in the last year they’ve required me to ‘confirm’ my identity with certified documents, claiming KYC policy. The first two times I was able to provide all the info they wanted,… Read more
as annoying as it was. This third time, the documents they’re requesting don’t exist - they want my Australian birth certificate (I wasn’t born here) or my passport in my married name (my passport is in my maiden name). Links claiming to lead to more extended document lists don’t work, and just lead to the website home page. Their emails contain instructions that don’t work - like ‘open X tab on the website’ when X tab doesn’t exist. When I call, I’m on hold for an hour at a time, only to be told to follow the instructions in their emails. Because I have literally been unable to provide the documents they wanted this time, they’ve frozen my account. I can’t reach anyone who can assist me. I should emphasize that I’m a normal, gainfully employed banking customer and I don’t understand why I keep being flagged. My home loan is with ING and even so I think I will have to change banks - this is outrageous!
Dealing with other banks shows you just how easy ING are – Off the back of venting of how frustrating another bank are I realised it's only fair to put pen to paper for the bank that's never annoyed me since I joined 8 years ago. Shame they don't do better rewards credit cards and I could avoid some of the other banks
No customer loyalty – Been a customer for 10 years have paid a mortgage all that time, tried to set up a everyday account and was told that they don't recognise my details ridiculous keep away from them was on hold for 2 hours trying to sort it out. Just stay clear
ING - no idea on communication or customer service – I have been a customer of ING Bank for something close on 20 years. Luckily I have rarely needed customer service in that time, because it is non-existent. I had a couple of 'odd' transactions on my account so I got my card blocked (luckily just a link on the website) and left a message regarding the suspect transactions. But apparently, a full… Read more
description in writing is not enough, you have to SPEAK to a team member. Yeh, right, good luck with that. The minimum response time I got was stated as 30-40minutes. Who, with any kind of a life, has that much time to spend just 'hanging on', especially as you waste 5 minutes going through all of the recorded spiel just getting to the correct line. I also tried after hours, since it is stated as a 24 hour service - I can't remember the wording but is summed to "don't bother hanging on as the wait time is long and unknown". When I wrote another note, since apparently it is soooo important that I speak to someone, that a call-back was arranged. Well, that came 3 business days later in the middle of me using a grinder cutting steel, ear muffs on, etc. They left a message - call that dreaded number with the endless wait time. Questions: 1. If the wait time on incoming calls about dodgy transactions is that long, why not employ some staff to tend to it. 2. Why not have a dedicated number for dodgy transactions instead of them all being bunched in together. 3. Why isn't all the facts in writing good enough? I can buy and sell land by email and electronic signature, so why should this be somehow sacred? 4. Why not have ID on a call instead of having Private Number like all of the scam callers?
No worth the stress – Can't update your details. So if you ever change phone numbers you're locked out of your account once they randomly decide to verify your account, which is always written they're closed.
Not great for crypto – Wouldn't transfer even small amounts into crypto. When I called in, they said that exchange which was reputable, was completely blocked, and didn't say if other exchanges were allowed. It's my money. I go to ING for a service. Not for them to tell me how I can and cannot spend my money. Moreover, do not block my entire account just because I… Read more
initiated a transfer. Finally, give me a more honest warning message than something went wrong, why don't you try again later or call us.
EXTREMELY DISAPPOINTED – I called ING after discovering I had been scammed by a Chinese website claiming to be Australian. I had not clicked checkout and was charged over $300 in that turned out to be international and in US Dollars. I spoke to them immediately explaining the situation and whilst the transactions were pending. They DO have the power to stop this they… Read more
admitted it this morning at phonecall number 3. They have to allow the merchant the opportunity to take the funds and investigate whether or not this is actually a scam. I AM TELLING THEM IT IS! It is all over product reviews and happening to HUNDREDS of Aussies. I am disgusted with ING and the way they have handled this situation. They used an example of if I were to try to stop a payment for my woolworths groceries and had received the groceries but tried to tell them I was scammed. UM Woolworths is an Australian Company with Australian dollars. Banks are working in FAVOUR of scammers and cannot be trusted with our money! I am just floored at this situation. A quick google would have proven to them I had been scammed but no have to wait 38 days for an investigation despite the transaction still pending. THEY COULD STOP IT BUT THEY DONT. WILD
Very dissatisfied – I applied for a credit card and after a month I had to withdraw the application. Extremely inefficient and underwhelming service. Very dissatisfied as I was looking forward to use this card overseas. I will go somewhere else.
Refused to allow me to transfer my money to coinjar.com.au – Refused to transfer my money to Coinjar because it was flagged by their system as a "scam". I have done this plenty of times in the past, but suddenly they made the decision to stop allowing it. They then gaslight you as to the reason being to protect you; when really they don't like you using cryptocurrency. By the way, it was for $40. They don't… Read more
let you move even $40 out of the account. It's pathetic & ridiculous. Now I desperately want to take my business elsewhere.
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Greedy Bank With No Customer Service And/or Care - Avoid!!! – Ing is another greedy bank with no service and/or care for potential customers! No branches just atms! The blooming phone number for melbourne in their supposed to be office in collins street is not connected!!!! Really???? We take our $$ somewhere else. Pathetic and greedy bank!! Avoid!!!!
New cards – The new ING cards are rubbish the print rubs off after a few weeks making it impossible to see card numbers or your ccv number which you can't get anywhere else but the card, great idea to save a few bucks but when they have to replace it every 2 months tops we'll see how much they save.
ING is Fine – I don't understand the negative reviews and comments about ING. I've been with them since they started and never had a problem. All of the benefits they claim I've got: the high interest, the free ATM withdrawals, no account keeping fees, etc. It's all true. I've also found that wait times for calling them are not that bad and it pays to know the… Read more
*best time to call*. ING has a 24 hour call centre and they've always been helpful. You can message them in the app, too and sometimes that's enough, you might not *have* to call them. Yes, their security seems a bit weak, no 2FA, and the login screen hasn't changed in at least 16 years. The app isn't as good as it could be either. These are the downsides but, overall, ING is fine.
ING great except too slow to transfer funds between financial institutions – My only complaint ... I have accounts with other financial institutions - but ING refuses to let me send more than $1000 as an OSKO payment, even to accounts I have sent money too in the past, in my own name even. OSKO exists for a reason ... let us use it. I can understand putting hold on first time payments - but once the PayID or… Read more
BSB/Account has been used multiple times, and it's even in my own name ... it is annoying that they push the payment through the old overnight direct entry. Please give us more flexibility here and allow us to set our own limits for realtime payments.
Check card expiry date before you travel – I've been happy with ING everyday and pleased to discover that I could use the debit card overseas and that international transaction fees are rebated. So I advised ING of my travel plans with departure and return dates. Problem arose when my card expired mid holiday. I suggest that card expiry advice could be given by email (seems to be just a… Read more
new card in the mail) and when customers have travel plans, a check of the expiry date falling within the holiday time could be routine for ING. My fault in not checking the expiry date sure but these steps might avoid an adverse customer experience.
Has gotten really bad – Fraudulent transactions on a card I never use, spent more than 45 minutes on hold which consists of bad hold music interspersed with frequent cut aways to annoying messages about irrelevant things. All the benefits of the account have gone away over time. Very little to still reccomend. Show details
card got scammed, no refunds, terrible – aussie here, my card was debited by a mexican merchant several times for over $500 total. I called ING, lodged a scam transaction report and called them again. They acknowledged my card was scammed and never returned my money or did anything about the case after 5 months, zero stars. I since left and joined Macquarie bank
POOR CUSTOMER SERVICE BEWARE! – Trying to speak to customer service is like very taxing! Each time I’ve tried the minimum waiting time is 1/2 hour. Other banking institutes give you the offer to press number 1 and they call you back. It is soooo frustrating!
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