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BE AWARE!!!! Caution is advised when considering refinancing options. Despite having substantial equity, stable employment, a strong credit history, and a decade long residency in our home, our application was rejected. We submitted a request to refinance and included a 10% deposit for an apartment; however ING declined our application citing a… Read more

20% deposit amounting to $440,000 + stamp duty. The decision appeared to be influenced by the short-term nature of the loan, which was projected to last only two years leading to the conclusion that the bank prioritised long term profitability over our financial stability. This experience has been disappointing and raises concerns about lending practices of this financial institution. People, don’t waste your time and look elsewhere. Gillian was a time waster.

I cannot praise’s highly enough the brilliant and professional manner in which I was treated today. I could not find myself new card so I rang 133464 and firstly spoke to a lad by the name of Rhys and he was so patient and polite but I am not tech savvy and I kept getting confused so he said he would call me and for me he hang up and he would… Read more

call me back but once again I was not able to get it right so he hung up and range back and i got a girl called Sonya and I explain every today her and she was so nice and very helpful. Most of my family bank with ING and we are all pleased with the service we receive. Please pass on my review and thanks ING Coralie Hamilton

Terrible bank, they promised to reward $100 each for new account referrals , when you refer friends, ING denied referrals and refused to give any rewards. Shame on you ING!

Bad system and no Customer Service – I truly wished I had read the reviews about ING prior to banking with them. They say there core value is respect,well they dont show it with the way they treat their customers. Every time there is a problem you have to call and its easily more than… Read more

a 60 minute wait, you finally get through and are told that the problem has been rectified only to hang up to find it wasnt. Back on the phone again, at the moment I am still on hold cannot access any of my funds because they have locked me out of my account. The arrogant manager Connor who I spoke with ended up hanging up on me because he could not answer my questions, he was frustrated as he could not baffle me with his rubbish the total opposite end of professional and courteous to one of many customer's who keep him employed. When they can finally take the time to answer the call I will be closing my account and then taking them to the Banking Ombudsman's office.

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

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

New app is terrible. Why roll out something so useless. Many problems including inability to message on the app, cannot transfer between accounts anymore. Don’t seem to listen to feedback either.

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’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.

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.

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 :(