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The new ING app we are being forced to move to, lacks some really basic features. Specifically there is no running balance and the interface is simply clunky. I have been accustomed to the sleek, functional and really user friendly ING app and this is a significant downgrade. I will likely to move all my ING accounts to a bank that focuses better on users experience. Very very disappointing. Show details

I applied for a Credit card. I have flawless credit rating and only one small loan. I was filling in my application with my expenses and each time it was rejected saying that my expenses are too low. I don't spend a lot and share my bills. So, I kept increasing the amount until it was at an acceptably high amount. Then the application was rejected… Read more

as I may not be able to meet my repayments. Maybe as someone else mentioned, it was because I didn't allow blanketed access to my other account. Given there are regular deposits of amounts above the credit card limit I applied for, I can only say "thanks for smearing my credit rating". I just checked my Equifax credit rating. 2 points from Excellent. Maybe they want people who actually really can't afford payments so they can get more in interest. Now on hold for last 15 minutes to close my account.

I’m not one to leave public reviews lightly, but my experience with ING has made it necessary. Over the course of several months, I was caught in an unproductive loop—continually asked to provide the same verification documents, despite having… Read more

already submitted them multiple times. No one appeared to actually review the information sent. The process was disjointed, opaque, and deeply frustrating. At one point, my account was even blocked without warning.

When I finally received a response, it amounted to a curt denial of any wrongdoing and a hollow suggestion to lodge a complaint with AFCA—an organisation that, frankly, serves more as a procedural façade than a meaningful path to resolution.

This isn’t about a single misstep. It reflects a broader issue: a system built to deflect rather than resolve, to delay rather than engage. ING’s approach to customer service—particularly when things go wrong—is dismissive at best.

If you're looking for a bank that values clarity, accountability, or even basic competence, I suggest you keep looking.

Absolute a bigger scammer! Husband paid the whole balance which tell you how much to pay which he did! Then when he want to close the account they make him pay $17 for whatever it was and then telling my husband they won’t close his account until he… Read more

pay $10 so that a waste of $27 just to close the account! No wonder this ing have the worse star reviews and it definitely not recommended like they say! DO NOT GO TO ING FOR CREDIT CARD! THE MOST RIP OFF

I have been a customer of ING Direct Bank for over two decades and always been happy. Scam on my Orange Everyday debit card and within hours of the transaction, I contacted customer service. EIGHTY DAYS to be told that it is my responsibility! … Read more

Tried to get a joint account opened and months have passed and still not open. Ring customer service and you can be on the phone for 40 minutes or more. Sorry but this is reflective of management cutting staff levels and providing nothing to customers any more.

No major issues with ING while using them as a back-up bank. Very, almost disconcertingly, easy to open and close accounts at will. Enjoy that there are no international transaction fees, as a traveller. Only issue so far is a bit of waiting for customer service - both the messaging and phone lines. But, such are the risks of a "direct bank".

I had a problem with activating my new ING app, I could not receive SMS security code. I called ING for assistance. My call was answered by Adrian from customer service. Adrian was able to sort it out for me and explain everything in detail very quickly so I would like to say a Big Thank You to Adrian.

As a loyal customer of ING for over 10 years, I’ve always appreciated the excellent customer service, competitive interest rates, and the convenience of no international transaction fees. This positive experience is why I continue to place my trust in ING, and I truly value the relationship we’ve built over the years. Show details

Terrible bank with dubious practices, hopeless third parties and atrocious systems – Horrible. Australian banks suck in general but this is the WORST. Locked accounts, dubiously questionable products, awful website and iBanking app. Stubborn and plain difficult to deal with in every way shape and form. 1. Their home loan lawyers performed a privacy breach. Great start. 2. Their "orange one" transaction accounts are limited to TWO… Read more

accounts, the clincher here is a joint account counts for one of those two allowed! 3. The "Orange One" creditcard is a horrid product. It doesn't allow you to put it into positive at all. It only allows 10% of the credit limit as a cash-advance, it requires $100 min payment, and it while it has the 9.99% Instalment system, it's a right pain to configure.

4. Second time I applied for a card, I was outright declined. Realised I'd made a basic error (house not worth 7.6Mil) and they resubmitted it. (there is NO application summary, or option for a right of recourse advertised). The back-office then asked me for endless documentation requests, realised I actually earned more than the conservative figure I put in (OT) so I had to write a letter to state the fact afterylr they checked my payslips. DECLINED, no reason given despite it all the stuffing around on my end. Hopeless.

I understand that banks are not institutions to be blindly trusted, but my experience with ING Bank has been surprisingly disappointing. I was repeatedly encouraged through marketing to apply for a personal loan. When I eventually did, my credit rating was good, all credit checks were passed, and I met the stated criteria. Despite this, my… Read more

application was still declined. This was my first loan rejection in 45 years, which made the outcome even more unexpected and frustrating. Reason for rejection: I did not provide them blanket access to my other bank account. I instead chose to upload statements. This is the only reason I believe I got a rejection within 5 min.

When I raised a complaint with the Australian Financial Complaints Authority, the process did not feel meaningful or reassuring. I was offered $800 by the bank as a resolution, which felt more like a way to quickly close the matter than properly address the underlying concerns. I was also advised that accepting the payment would effectively end the complaint process.( Again, the question needs to be asked: why would a bank offer me $800 if they were not in mistake? )

Overall, my experience left me questioning how much protection consumers really have when dealing with large financial institutions. It felt like there was a significant imbalance of power between the customer and the bank, and that formal complaint channels do not always lead to genuine accountability.

Keep your money OUT of this disgraceful bank! They will close your account down for two weeks for absolutely NO reason and use your funds offline for their own benefits. When you finally take your long saved money out, they tell you it was transferred and it actually was not! Banking in Australia is woeful.

I’ve been with ING for twenty years. Generally, they have been good. No fees for those banking their salaries. International fees are reimbursed. The one absolute gripe I have is more and more when travelling overseas tickets for things are purchased online, yet ING will not provide transaction approval through the app. Instead, the code is issued… Read more

to your mobile number, despite almost everyone using a travel SIM. So it renders their promotion of an international travel card as false. You will need a travel card or an account with another bank that has alternative transaction approvals to purchase that skip the line or train ticket you need. Keep that in mind.

Travelling overseas, advise them of plans. Card gets blocked suspecting fraudulent activity from a company I've bought from many times before. Can't verify without phone call.. have no way of making said phone call. Calling hours over anyway. Would recommend, great weight loss alternative. Show details

Rubbish bank!!! Doesn't even deserve any stars. Waiting on a replacement card. Cannot pay for online shopping until the card arrives. Was told to transfer money into trusted persons account to access my money. So what's the point in opening a bank account with your st^pid bank. Changing to another bank asap. Show details

The customer service team in Australia is fine. However, if their lines are busy, they have an overflow team overseas, which is completely useless. The staff don't answer questions, have no idea which country they seem to be supporting and cannot assist with anything. It was a complete joke. I haven't had to call ING in the 10 years I've had my account until today, I hope I never have to call them again. Show details

Automated phone menu is clunky slow and glitchy, when you finally get to a human, theyre rude and not very helpful and are keen to get off the phone before the problem is rectified. I have been trying to get my account activated for months now, and i havent recieved sufficient support. Calls often drop out and going through the automated process… Read more

takes close to 10 minutes. Really really poor customer service, its also the worst app i have ever used. Even the Bank of Melbourne app was better.

I am a very dissatisfied customer, who again reported another issue using our ING credit card purchasing an electrical item and kept declining. Heaps of funds, was using their fancy tap and go on their Company phone using my Pixel and Google Wallet, asked to pay at a normal merchant machine - same result. Went to get some physical cards. Tried the… Read more

physical ING Credit card and same issue. Prepared a backup whilst getting cards and moved required funds to our Bendigo Bank VISA debit card, tried that and worked the first time!!

Messaged a complaint to ING saying we are over this. If this isn't taken seriously - we will move all our accounts away. In the meantime - I order an item from Amazon not long after using the same ING Credit card and works fine!

ING messaged back since and they did apologise, and submitted my information for an investigation. Then the lady continues to say "there is nothing showing why it didn't go through" and maybe it's a problem with the physical card. Again - ING is not taking ownership and blaming the end user. And it shows she didn't actually read my message properly where I explained I tried both digital and physical cards and all failed.

Over the last 12-24 mths we've had regular issues with our ING credit card where purchases decline randomly, even for small things like a coffee. It's embarrassing, everytime I try again and it goes through the 2nd time. Every time we raise this, and some other annoyances, ING never take ownership, provide really bad customer service and blame the end user.

I do not recommend to use ING Banking. It's very disappointing :(

Would give zero stars if I could. Flagged my account for possible fraud while I was trying to buy event tickets with a mate. Called to unlock my account, was interrogated how I knew my mate that I transferred money to, didn't believe I knew my mate and wouldn't unlock my account. Locked my mates account also even though we both said we knew each… Read more

other. Went to complaints department who blew us both off saying they did nothing wrong and people shouldn't transfer money like that??? WTAF? Absolute scum bank and staff. Will be moving home loan away from these useless a$$hats!

I had my car tinted and it was completely botched the first time, botched the second time when it was supposed to be fixed and was left with damage to my car. I sought advice and resolution for weeks before finally disputing the transaction via submission to the dispute team (who I found were incredibly unhelpful the last time I had to dispute a… Read more

minor transaction).

Waited 5 weeks and thought it was odd I had no contact back since the other parties bank has 4 weeks to respond... Upon my follow up, ING customer service advised that there was in fact, no transaction dispute in progress (whilst also being incredibly slow to do so). So I followed up with the dispute team, I got absolutely no response from them which I find appalling that not only did they not action the dispute, the also won't acknowledge/confirm their mistake

I am incredibly frustrated as now the transaction is outside the 90 day dispute window and I'm left with hundreds (potentially exceeding $1000's) of dollars of damage to my car and the cost to fix the tint job elsewhere, with potentially no recourse to claim my money back which would cover SOME of the damage and cost to rectify the job. I then submitted a complaint with the complaints team, in which I have also no had any reply back to, not even a confirmation that it's being worked on and they will be in touch.

The service from ING has really left a sour taste in my mouth and a big gaping hole in my wallet, as a banking provider I feel they have really let me down as a customer. Through lack or coordination and communication. I will give them a chance to provide a solution but otherwise will have no choice but to report ING to the Australian Financial Complaints Authority.

The ING $125 for a friend referral upon opening a new bank acc is the biggest scam ever! My digital card can’t be set up until my physical card arrives (which takes up to 10 business days), however, to be entitled to the $125 I have to complete 5 transactions using the card (that still haven’t arrived). I have received an email saying my card have… Read more

been shipped on the 23/03 and I have only until the 31st of March to complete my 5 transactions. Today being the 29th and a Saturday, and no card so far in my mailbox, I’m pretty convinced I won’t even have a fair chance to complete the transactions by Monday. Very disappointed and have 0 confidence to then transfer all my money into a bank who promised me something they can’t deliver.