ING Australia Reviews 1,957

Rang 133 464 to question why my transfer to a linked account hasn't gone through, Waited one hour and one minute for somebody to answer.

Over one hour! Only to be told standard is one to two days on maximiser accounts. ING obviously does not know that we are in 2026 and that we have the infrastructure to facilitate instant transfers.

Even with the decreasing number of branches they could hand write a voucher and walk it over to a branch in less time.

Don't bother with ING, they try to lure customers with a temporary higher savings rate, but after three weeks they couldn't even activate an account. I wasted too much time and money just trying to put my own money in a high interest savings account.

I was told by 3 separate people that my case has been escalated to the team responsible, and to give them 2-5 business days to correct the error (twice!) and they still can't activate an account. I'll take my money elsewhere while I can. At this rate they will be shut down before I get the chance!

Had no problems with ING at all. Same day transfer to other banks. I had a card transaction dispute and they were great. Wish though interest rates for savings better.

Ing is difficult to deal with about complaint

I had a transaction to transfer money from Ing to another bank in Jan 2026. It's my mistake that I mistyped one digit of the receiving account number. However, the transfer has gone through. Obviously, Ing doesn't match account name to account number.

I then followed up with Ing and it took more than a month for Ing to find the lost transfer (not the fund). I had to tell them when, which bank and amount etc.

Then Ing took another 2-3 weeks to put the money back into my Ing account which is very annoying.

I raised a complaint (Ref: 00723101) but the complaint manager kept telling me how Ing works in balancing scam prevention and customer service.

It's disappointing because it took so long and Ing doesn't realise or think this is the reason of complaint.

Extremely disappointing experience with this bank.
I was repeatedly targeted with ads promoting a “10-minute personal loan” process. As an existing customer with an excellent credit history, I trusted the messaging. The application even displayed a pre-qualified screen indicating I was likely to be approved based on my profile.
That turned out to be meaningless.
The application process itself was confusing and poorly designed. Expense questions were unclear, and at one point I was given the option to either link my external bank account for automatic data access or provide statements manually. I chose to provide statements.
I was never asked for them.
Instead, within minutes of entering my details, I received an automated rejection.
No meaningful explanation. No document review. No transparency about how the decision was made.
What concerns me most is that this wasn’t just an inconvenience. This was a formal credit enquiry recorded against my file. For a bank to aggressively market “pre-qualified” offers and then instantly reject applications through an opaque automated system is irresponsible.
Afterwards, I spent hours trying to get clarity. The only response I received was that “the system made the decision.” There was no proper review and no accountability.
The entire experience felt like a marketing funnel designed for speed, not fairness.
If this is the direction the bank is heading, customers should be very cautious before trusting their “instant approval” claims.
I expected better from a major financial institution.

Absolutely a joke asking people for additional information on who the customer is solely basing it on orders from austrac. This is the people who do fraud checks why are basic customers not being told who this is or why? Also what risk am I and who is this information being shared with? Because your customer service has no idea and if we choose not to give anymore information we are threatened with your account being terminated. No bank branches to actually go and see someone face to face it’s now feels like everyone owns you if don’t do it then your out why is big business not customer friendly anymore. The amount it costs to use this account when you don’t have a single atm in qld and the threats from your staff including the supervisors for over ten years I’ve been a customer now it’s time to go elsewhere. this bank does nothing for it’s customers . Another thing if you’re company is available 24/7 why did I have to make 5 phone calls to get in touch. That took more than 90 hours. One return call that I missed nothing to say I’ll try you later now it’s back tome to chase you again. Can’t speak about the other person on the account but only one of us needs to close it which makes no sense. The new moto for Australia (do as your told you don’t have rights anymore if you don’t we will shut you out) one day Australia will wake up.

If I could give it less than one star I would.
I did my research. Wanted to move across from NAB where I had a personal loan I wanted to refinance as well. My loan repayments would’ve been less under ING so affordability wasn’t the issue. My credit score is over 850. The person I spoke to initially was confused why I got rejected looking at all the documentation so then I got put through to the complaints team who were patronising as hell and essentially I don’t meet ING‘s specific criteria so I would like to know what the criteria is when I have a great credit score. I wasn’t after a second loan. I was trying to consolidate loan to move across to them to pay them the interest instead of NAB I have full-time permanent secure employment more than double what their minimum requirements are yet. I don’t meet their specific requirements. I don’t have any other debts. I have a personal loan that’s it. I don’t have credit cards. Don’t have nothing. My housing is literally $480 a fortnight. We don’t have excessive gas and electricity bills. Everything is on a payment plan with them. Our bills are always done. Money is not an issue. I’ve always got money left over and the price of paying their loan was nearly $60 less a fortnight so please explain to me ING. How was I not an acceptable candidate because I’m confused as hell?

Nothing but a scam bank, who deliberately let their customers be scammed and they dont protect them. This bank should be stricken off.

This has been the worst banking experience I’ve ever had.

ING sent me a debit card out of nowhere — I have no memory of ever applying for one. Naturally, I called to find out what was going on, but the experience only got worse from there.

The phone wait time was ridiculous.

I had to repeat my personal details three separate times as I was transferred from person to person.

When it came to verifying my driver licence, the representative insisted it “can’t be digital,” yet couldn’t explain how she would even know whether it was digital or a physical card. The logic simply didn’t make sense. At the end, I didn't get a chance at what I was enquiring about.

The overall attitude was unfriendly, dismissive, and completely unprofessional.

I was prepared to deposit a very large sum of money, but after this experience, I have zero confidence in ING’s competence or customer service. They have lost me as a customer before the relationship even began.

I will never recommend ING Bank to anyone.

DISGUSTING BANK AND STAFF !! I couldn't access anything for 3 days ! I went a whole long weekend without access to my money + the fraud ream would tell me nothing and I had to wait till monday

As I am tried of complaint to ING
As I am tried of complaint before, I spent time waiting and struggling trying to convince the ING bank that they inactived my account. …There is a difficulty if I have to lodge a formal complaint with ING accordingly for the reasons of disputes. I was unable to edit my bank details and transfer my funds. Even If I wanting them if I haven’t received the response, I would like to complain to 🇦🇺 Victoria Consumer Affairs as a last option. I am not interested to continue with ING and I want close my account and transfer funds as I requested. I need your help with this matter.

Been with ING for home & contents insurance, over the past 2 years the premium has almost doubled.

Called them to flag cancelling the policy & they discussed offering a lower rate. They played around with increasing excess, taking off optional covers & when I still wasn't happy with the new rate they dropped it lower again - to roughly where it was 2 years ago.

The customer service person REFUSED to give me any details of this new cover in writing unless I agreed to it & paid for it FIRST.
They repeatedly said I either took this new insurance policy, which covered less things though not 100% clear the changes there, and paid for it THEN I could see the details of it in writing OR I saw nothing & could call back to do it all verbally again.

Of course I cancelled.

This is appalling!

What Australian insurance provider says you have to agree to the contract first before you can see the terms??

Got locked out of my account after a single mistype of my pin. Then spent the other half of the day trying to get someone to answer the phone. Their queue times said wait of 10 minutes but 15 minutes later I hung up. Some wait times were up to 30 minutes. I transferred my money to CBA, emailed ING to tell them why, got no response. Shame, they used to be good.

Had a savings maximiser. Needlessly complicated with too many items to do each month to unlock the bonus interest. Cynically, its this way to confuse savers. Should be called a savings minimiser. Stay clear.

I wish I could give this company 15 red stars if they’d even allow it because my experience has been incredibly frustrating. In my case, they temporarily blocked my account twice when I tried to check my investment progress. After the first block, I contacted support and was told to try opening the app the next day, which worked. The same issue happened a second time, and it left me feeling uneasy.
I decided to withdraw my investment, I was blocked again and couldn’t access my account at all. I reached out to support for an explanation, but I didn’t receive a response for weeks. I eventually took legal action, filed a lawsuit and get my money released from captive.
I’m not sure whether screenshots are allowed here, but I wish I could share them so others can see what I went through before deciding whether to open an account with this company.

If anyone’s dealing with something similar, I’m happy to share who helped me out

I closed my ING account 8 years ago due to partnership breakdown.
I tried to open a new account to get a good interest rate for my own money. However, I find that ING have kept all my details over all these years.
I feel that this is a breech of privacy. ING should have deleted my details, if not straight away, but soon after I closed my account.
I no longer see them as a trustworthy company

I’ve been banking with ING for years, but this recent experience has been incredibly disappointing. Out of nowhere, they asked me to resubmit all my documents—including payslips and ID—which I promptly provided. Then yesterday, my account was completely wiped and I was suddenly locked out of my own money.
When I called, they claimed my ID wasn’t JP‑verified, even though I submitted the exact same documents when I first opened the account. After speaking with them again, I went out of my way to provide a Justice of the Peace–verified ID, yet I’m still waiting for my account to be reactivated.
Their customer service has been unhelpful, dismissive, and offered no real solutions. After this ordeal, I’m seriously considering switching banks.

Complaint 1
In August 2025 ING sent a replacement transaction account debit card by ordinary post. The card was lost in the mail without being activated. Despite this ING blocked my then current debit card denying access to my funds and causing me substantial financial stress and financial loss.It took ING over 7 days to send a new replacement card by express post. Despite substantial correspondence ING has flatly refused to consider sending cards by a more secure method.

Complaint 2
The ING online credit card application system was not functioning correctly and iNG did not bother to respond to requests for assistance. As a result the application was automatically rejected.Despite substantial correspondence and the fact that documentation was provided proving that I met all ING criteria for the issue of a credit card, ING has refused to issue a credit card.

Travelled to Krakow, Poland and used ING atm and got the most horrendous exchange rate, by far the worse we got. We not use there service again.

Poor customer service.