The worst bank ever!!
I have banked with ING since 2003. The account that my ING account was originally linked with was closed. Tried to link to another bank acct for 2 years and no joy from ING. Sent all documentation still not enough for them. After numerous emails and phone calls I demanded they close my account ASAP & send me a bank cheque. No ‘sorry’ or ‘thank you for being a customer for 17 years!”. Now I’m receiving annoying service emails from ING & in their email it says “you cannot unsubscribe from service emails”.
Seriously! No fees for no service that’s what you get from ING. Happy to be ‘free’.... well except for the silly service emails that is. Ugh!
This could happen to you if you bank with them
Have been an ING customer for many years and out of the blue they sent an email threatening to put a hold on my account in 7 days. Called the customer service, after being put on hold for so long some rude people finally talked to you without offering anything helpful. Do not bank with this bank.
Bad loan assessments, not transparent
What a crap, ING rejected my personal loan while having a good credit rating. Com bank , westpac, CBA approved with no issue. They didn’t even ask anything.Never use this useless place again
Worst customer service... run away run fast
I had bad experience with ING bank. Customer service treat the customers really bad. They made it impossible to open the new account despite sending required document, they ask the questions which they already have the details.
Worst customer service
They closed my bank account without providing any reason for that. It's like you are sentenced to prison without giving you any explanations. If they decide they want to close your account they have to disclose the reason. For my case, I am 100% sure there is no reason for closing my account.
does not back their customer
i have a similar loan refusal as the numerous others here, got no car due to a moron running red light ,so need car quickly for work ,wanted $5000,been with employer 4yrs $70000 yr paying of house and get a no, they think i cant afford $50 a week for 2yrs, i been with this bank for so long i cant remember when i started with them ,i can tell you that's about to change, other reviews on here bagging the big 4 banks ,i don't know anymore about that im sure they would stand behind you when your in trouble more than these morons ,done with them, t...hey also backed scammers a few yrs ago ,i was tricked into a subscription which i cancelled by email straight away but they still took out the monthly payment couple weeks later and this bank wouldn't stop the payment while it was still pending ,even after telling them i have the email of me cancelling they paid the scammers, you know they might have free this and that and no fees but there a mob of a===holes in most other departments ,im done with them.
Disappointed and did not want to cooperate with their clients
Pretty disappointed with the way they handled my application to increase my home loan. I got a new job with a huge pay increase, money will no longer be an issue in my life. However, new company pays monthly and forgot to notify my banks to extract money at a different time. Now they won’t give me a home loan for another 6 months. Now I either have to change banks or rent a room for another 6 months, which isn’t really an option, over sharehouses and the scum that live in them. ING had no sympathy or understanding of my circumstances as I just wasted almost 2 hours of my life this morning
- Verified customer
Don't you love being treated like a moron by banks?
I already have a Transaction and a Savings account with ING. To get the "higher" ( ha! ) interest on the savings account, I need to deposit at least $1000 per month, and spend at least five times on the debit card.
Now I get an email starting "Many of you have been asking for motivation to keep your saving habits up". Really? REALLY? Their inbox is full of email from customers saying "I'm to stupid to save what I need to"??
All right. We know banks are always honest, right? So, I thought, they are going to introduce a new benefit.
Sill...y me! What they're doing is imposing a new RESTRICTION. To get the higher rate, you *also* have to grow your balance by the end of the month! So ... no motivation involved. Just a penalty for not doing it. In other words, ING wishes to cut down the interest being paid out, while pretending it's a response to customer requests. Shameful!! My funds are going for a walk.
Investment home loan
I have 70000 in cash, my house is valued over 1 million, equity about 500000, and got knocked back. Stick this bank up ya butt. I'm leaving. The reasons I've had 4 inquiries into my credit history since 2016. I have no debt other than my mortgage, no credit cards nothing, not one late payment, and my credit score is over 800.
I've been with this bank for a lil while now and all I've had was trouble concerning money
I feel they don't give good customer service and i feel like I'm just wasting my day taking to these fools everyday
I've noticed a pattern when it comes your account or money i feel they don't want to deal with you
they requested identification for my account I've given it to them but my account is restricted which means i cannot use it at all
i have a daughter and a house to run which means i have no money till they unrestrict it!
Im not happy with their service or consider you as a person!
Im seriously thinking about moving to another bank i have had enough of the endless issues with them
I do not recommend this bank to anyone!
Revolting bank- stay away
We applied for a debt consolidation loan last week, our wages go into our joint ING account, no over drawn amounts, excellent credit history. On 6/12 we received a pathetic (no formal letterhead etc) email to say the application had been declined with no clear explanation why. We phoned the bank and spoke to a woman that gave us several reasons why the application was declined. She told us it is outside bank policy to discuss the reason it was declined; she did however try to assist is in understanding why this had happened.
First that our acc...ounts are joint accounts and that the loan application is one person’s name, second that the assessor couldn’t see the wages going into the joint account fortnightly (even though the staff member we were spoke to could) and she read what was written on the file: that there is poor account management, that they couldn’t see the wages coming into the ING account. What a revolting process you have!! When we called the Contact Centre twice (the staff had our details in front of them as we were required to provide personal details so they saw that our accounts are joint accounts) earlier to discuss our intentions to apply for a debt consolidation loan we were NOT told that we needed to have a individual account for the applicant of the loan, nor at the time of lodging the application is there a note to say the application needs to be made with a corresponding individual account. Phoned again today 7/12 and spoke to loans manager who told us that it was against bank policy to discuss why the application had been declined. Now we have a credit check ping that cannot be erased. Revolting bank.
Easy! But could improve a little
I have been with ING for about 2 years. I've been with other banks in the past and when it came to setting up an account with ING it was SO EASY. Every thing about it is easy and a time saver. There is no need to spend hours on hold on the phone waiting to talk to someone because they make everything simple to do online. However if you do need to talk someone there is a 24/7 line and the 1 time I needed to use it it was quick, easy and a pleasant experience (this all means a lot to an introvert who hates phone calls and doesn't understand banki...ng terminology and workings). I gave it a 4 out of 5 because they do keep lowering their interest rates(like, all the time), and (on a minor note) they don't allow you to do international transfers- which is interesting for a worldwide bank.
Rejected for new loan ?
I have a housing loan with ING. I am selling my house, scaling down from a very large house to a much smaller house. So I asked ING if I could increase my loan to pay for a deposit on my new house. No was the answer. So I asked if I could get a personal loan, after 30 minutes of questions, no was also the answer. I was stunned. Never missed a mortgage repayment, was way in front, was going to use half of the extra payments I had made for the deposit. So I went to my local Commonwealth Bank, they bettered the rate, approved me for a new loan, could not have had better service.
I have sent a similar message to ING, no response in over 3 weeks. So I am forced to leave. I was happy with ING, but they don't want to deal with me obviously.
Direct debit and internet banking are a mess. Strong attitude customer service!
Been baking with ING more than 3 years. Direct debit and internet banking are a mess. So unreliable. Strong attitude customer service! Refused to solve the problem. Not willing to investigate anything.
IMPORTANT !!! Do not open an account with ING if you are a sole trader
ING do not consider income as a sole trader as income, it is discluded as income for all of their financial products. You will be able to open accounts and put money in but not overdraw in any way whatsoever as a business or personal.
- Verified customer
Please Read As This Could Happen To You
This is seriously unbelievable - important - this could happen to you
I have been with ING for that last 3 years and have recommended 3 of my friends to join as well. Today, the 16th Nov 2020, I received an email from ING stating that they are stopping my account on the 17th Nov - 14hr notice!! I rang ING and asked them why they are closing my account and the answer was policy. This had nothing to do with documentation as the KYC ("Know Your Customer" valid ID's were sent and approved back in July this year.
So ING decides to cancel ...a customers bank account they have had for 3 years and provides that loyal customer 14hr notice to open another bank account and transfer all the money into that on within 3 business hours. Congratulations ING - What type of customer service do you call this? Treated like a criminal and given no reason at all as to why thy close a bank account within 14hrs notice. ING = Ignorant Nasty Goons
Excessive delay in closing an account
Extremely frustrated with how this bank has dealt with my situation. I changed the linked account details. They tested the new external bank account by sending a small amount. Once confirmed, I requested that my ING account be closed and the entire balance to be transferred to the linked account. A few days later they advised me that my other bank declined the deposit. I contacted my other bank, they stated they did not decline any transfer from ING, and that if they used the same account details to which they had transferred a test deposit, th...en the money would have made it. On two occasions I contacted ING, they wanted further documents, to which I supplied, and as per when I submitted this review, it has been 15 days, still no transfer, they are holding onto my money. My last call to ING, I was advised that I would be contacted soon in order to resolve the issue. I have lost all trust in ING, it is my money and these clowns are holding onto it as if it is their own.
Stay Away At All Costs. Do Not Bank With This Bank
Have been an ING customer for 10 plus years and recently they have said they changed company policies and that both my partner and I had to provide additional documentation otherwise they would put a hold on our account. After sending documents on 3 separate occasions and giving us 1 day to furfil requirements which even though we are busy with work and children did so because we didnt want any hassles. We find we were going to pay for fuel and groceries and we couldnt access our money as if we are CRIMINALS. As far as im concerned they have no...right to hold my own money from us for doing absolutely NOTHING wrong. We rang up ING and told them what has happened and they said its a Saturday and that side of the company doesnt work till Monday. So basically ING has given us no access to our money and we have to wait 2 days. How are we supposed to feed and provide for our kids. This situation is just WRONG, and no person deserves to be treated with such disrespect. Stay away at all costs. Do not bank with this bank.
Very bad internet banking
The worst thing about ING is their internet banking. It is awful for an internet only bank.
You cannot revisit and reprint transactions after the transaction is completed. This is a real problem as the internet banking regularly fails after transfers and Bpays.
Terrible customer service.
They insist on SMS verification when we all know mobile coverage is awful in Australia.
Good fees and attractive interest rates, but not worth the switch if you rely on good internet banking.
Questions & Answers
I was a fully identified customer (100 points and then some), for in excess of 10 years. For no apparent reason, ING recently asked me for a Certified Copy of my Passport (already supplied as stated). They also asked several questions about my traveling history. Why? Because they are "complying with Government requirements".
Has anyone else been subjected to these ridiculous requirements? Why should I go to this trouble and expense?
Naturally, I have closed my accounts. However, just interested in other peoples' experience with ING.
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