ING one of the better banks I have used
I have been with ING Direct for some time now and my view of this bank has been increased higher thanks to a recent experience. I had money debited from my account that I had no idea where it came from and contacting ING they acted fast and I had the money returned (over $190) into my account. WELL DONE ING! Great service as always
Don’t fall for their introductory offers cos they’ll hike it up and then throw small print back at you if you ask why
We had competitive rates at another bank. When we asked for a discharge they convinced us to stay. We did. A few months later they hiked up our rates more than once , almost doubled our insurance premiums. Now we have to pay discharge fees if we want to get back on competitive fees. Costing me a family holiday every year by staying with ING
Customer support and service
The worst customer support and service ever received from any banking institution in my 30yrs of business. I’m the director of my company and received the total run around in trying to resolve a simple and small objective. DISGRACEFUL
Tranact on inactive account
I rang ING this morning to reactivate our inactive business account. The whole process was a smooth ,helpful and issue free experience .I was dealing with people who were polite and considerate and will continue using my business account more now than I previously did.
I have had the worst banking experience with ING. I am an Australian citizen but I was treated like a criminal just because of my second nationality without any respect.
I was asked silly questions about my second nationality, and if I have ever traveled to the USA or worked there?!
I had to went through a silly process to approve my identity so they release my account. Then I transferred my money to another bank and closed the account immediately.
Banking made easy!!!
Recently opened an Orange bank account and loan with ING and the entire process was straight forward and seamless. Decided to go with ING because of recommendations and I'm so glad I did! ING products are far better than what the big 4 banks can offer. With an easy to use Online banking platform, Competitive rates and no fee banking without compromising on service, what more can I ask for. If I had to pick on something throughout the entire experience, It would be turn around time frame. Plan ahead if you decide to bank with ING besides that I would highly recommend them.
I changed to ING after reading The Barefoot Investor and I am so glad I did. It is so easy to manage my money. External transfers hsppen immediately, the online banking app is so easy to use, I haven't paid any fees yet and the customer service has been excellent. Finally a Bank.that looks after it's customers. Thanks ING!
Poor Customer service/ lack of communication
Am in the process of applying for a personal loan, have had little to no communication from ing. Not sure how long the process usually takes but it’s now been 1 week since applying and still nothing. Very dis heartened and no longer feel the need to borrow money. Crap poor ING.
Cannot fault them!
Have been with ING for over a year now with several bank accounts and savings accounts. Cannot fault them at all! Always exceptional with service, notifications of different things happening on our accounts, offers, fees and interest rates are better than anywhere else. Love the fact that everything is so easy to use with them and so quick!!
One of the worst online banking tools ever!!!
Honestly one of the most inconvenient banking tools to use online. Tried a dozen times to log into my account with no success. Basically being notified my details don't exist. Cant even email these guys have to call them even though i run a very busy business and don't have that time to waste....Not happy at all, stay clear of these guys if you want anything that resembles service.
Bait and switch - don’t take a loan out here!
Refinanced a loan from another bank and they increased the loan rate a day after settlement. They are currently selling loans 0.15 cheaper to new customers but won’t budge on my rate. Stay away, these guys just give you false rates to get you in the door and then count on your apathy once your loan is settled. They suck you in with free atms, it’s all a scam
Home loan scammers
When I got my home loan through ING the interest rate was 3.8% with a $300 per year fee. They have increased my rate to 4.04% while still advertising their rate for new loans as 3.8% and now today their lowest advertised rate is 3.63% I’m still waiting for a return phone call but am interested to see how they justify this. It’s becoming apparent their advertised rates are temporary scams and they will increase them with no justification, and contrary to the RBA rate cuts.
Incompetent & unreliable: Stay away!
They are by far the worst bank I have ever dealt with in my life.
They called my partner and I asked for the same documents (birth certificate, passport etc.) over and over again. Each time we would send them and after a month or so another person would contact us via phone and ask for the exact documents AGAIN and they would threaten to close our bank accounts.
I would get the documents certified and send it but they would not reply to my email acknowledging they have received it. So I would call their support(!) centre, and the operator wo...uld tell me that he can see on their system that they have received all the documents but would not provide an explanation as to why another team is asking for them AGAIN!! When I would ask for them to send me an email explaining exactly what documents they need so I have a reference showing I indeed did provide the documents, they would refuse and say they can't do that. After the fourth time, I got a letter in the mailbox threatening to close our account if I didn't provide the documents that I had already submitted. No call, no email, no message in the app! without explaining why!!
Disgusting customer service
I have been with this bank for over 10 years and have never had a problem until a few days ago. My daughter received a letter from ING that her account will be closed, as my daughter has anxiety she asked me to call the bank for her. I am not listed on her account so when I rang the bank I told them straight away that my daughter was with me and the reason why I was calling. The person on the phone was so rude because I had rung instead of my daughter carrying on about privacy and passcodes that needing to be reset because I rang. When I handed...the phone to my daughter the bank tried to pressure her into changing her details etc. She was so emotional she had to end the call, they wouldnt even let her put me on her account to talk for her, too worried that I was the one who rang them and not her. They have now put a block on my daughters account so she cannot access her money that she has been saving, so now she has to go through this all again. A simple phone call on behalf of my daughter has gone way out of control I am unable to help her as the bank wont deel with me because they think im a security risk for my child.
Personal loan declined for no reason
I had savings account with ING for 4 years and recently applied for a personal loan. Wrote an email to them asking for reason for the declined and haven't got a reply. Met all the criteria and had a full time job which fulfill their income threshold. Still waiting for an explanation from them
Good interest rate, crap customer service
Been banking with ING for 3+ years with an every day account and a savings maximises account.
They provide a good interest rate (if you meet their requirements), but very poor customer service.
I've had several exchanges with the customer service department where I was left very disappointed and wanted to leave the bank.
For example, when they changed the requirements to receive the full interest rates, I sent an email asking for clarification, I got a response, and thought I met the conditions to receive the full interest rates. However It ...was not adequately explained and as a result I had two months in a row of not receiving the full interest rate. When I asked about it, I got a 'too bad so sad' response. That was very dissaponting....
We were rejected for a personal loan even though we met the criteria
We have a savings and an everyday account with ING and applied for a personal loan to help us with a granny flat we were building. After they rejected my partner (they do not offer joint loans) because she is a casual worker I then applied. I am a full time worker who meets the thresh-hold earning cap they set to apply for loans, I gave them all relevant information and yet I was still denied the loan WITHOUT EXPLANATION!!! I am now unable to apply for a loan for another 6 months and am forced to reverse the payment I already put down for the g...ranny flat. ING crushed our dream of finally getting our own space. We are young and my partner is a full time Uni student and now we will probably have to wait another 3 years for her to graduate before we can get our own space. Very disappointed and disgusted in the service and would NOT reccomend. Stick to the main banks, clearly ING cannot hold their own.
Superb product. Better than any big (four) names.
I have been a customer since 2015, and it has been a good experience. I know it can be challenging for some people as they are online based (people usually prefer face-to-face interaction that can be obtained through a branch or centers). However for me it's just makes it easier and faster, and it has been a smooth sailing one for every transactions I have done.
What I love the most is the fact that they have been doing the No-Withdrawal-Fees-for-using-different-ATM hype since day 1 (while the trends seem to only be picked up recently by most ...
Staffs gave wrong infos and management team covered it and kept saying they are giving correct infos
I had 2 yrs TD 2.85%, early termination after 15 mths, the guy told me i will get approx $41510 back, but i only got $40880, $630 short, then i called back, another staff told me seemed computer error will send to management term for further investigation. Then i called back next day, they asked their management team to speak to me and kept saying the amount paid me 40880 was correct. Why the guy told me i will get 41510? Manager kept saying approximate said the guy didnt give me wrong info, $630 differ approximate? I dont think so. Dont use ING ever again!
The reviewer stated that an incentive was offered for this review
I have to find a copy of my birth certificate and get it certified by a JP and send it into ING to verify that I am the same person who opened my account with my same birth certificate and a 100 point check 12 years ago. This is what I get for loyalty as a customer. I am 90 years old, and my birth certificate is in a safe 4 hrs drive from me, and I have been given 10 days to do all of this or they will take matters into their own hands and not pay back my money until I verify myself.
Questions & Answers
Who exactly qualifies for a credit card with these guys? I was told 3 days ago I was 'conditionally approved' for a $10K credit card after providing an initial raft of information and bank statements. Just needed to verify income (which I did in the form required - payslips) and dividends from my company (which I did in one of the forms required) and this morning received a 'sorry you do not meet our credit criteria'. Even my payslips show income over $100,000 and my credit file which they no doubt have should show that any credit card debt i have is paid in full each month.
How is ING for car insurance?? Does anyone have any experience??
I have been doing general banking with them for about 3 years with no issues.
Their insurance is underwritten by auto & general ltd owners of budget direct & quite a few insurance companies you are better off going direct to the insurance company & getting a quote 1st then compare that with ING paying insurance thru the bank the insurance company pays the bank a commission which would add to your premium Before you commit check the reviews for auto & general
Would ING be a good bank to open a savings account with? I do not want to withdraw money, just save it. I'm trying to choose a different bank than my normal one so I cannot have instant access to it, to avoid temptation.
No, I would definitely go to Westpac and open a Westpac eSaver and go down to the branch then ask them to put a block on it so you can only withdraw at the branch so avoid temptation like I do.
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