ING Australia Reviews 1,957

We lost nearly $15,000 in a sophisticated scam and ING failed to protect us. A $9,900 transfer and $4,900 Visa transaction — both unusual for our account — weren’t flagged as suspicious, and even after we moved an additional $50,000 out, ING never contacted us to confirm the activity. Their fraud detection is clearly inadequate, and their handling of the matter has been appalling. It’s now dragged on for 18 months with no care, urgency, or accountability. ING has completely failed us, and I would strongly caution anyone against trusting them with their money.

It has been 10 months of ING restricting my access to my bank account which holds $600. I am told to verify my ID however to open the bank account a week prior I shown my id.
I call ing I am told I can only email the fraud department. Yet I cannot get a reply.
I assume this goes against the United Nations human rights laws. If not it definitely goes against the law all persons are to be treated innocent until proven guilty. ING I wish for you to pay back the money that you owe to me. Oh and don’t forget the accumulated interest

Now I know I’m not the only person disgusted by ING. You ask them a simple question and they don’t answer anything. They also been bullying my partner and I for a few years now because I have stopped working and they didn’t like that. They bullied us through harassing emails so I reported them to AFCA. Then they blocked my home loan account. Absolute bullies. When my 3 year fixed loan ended they offered me a rate higher than every other bank by 2% more. They were trying to push us out and next week I can say we refinanced with uloan at the cheapest rate on the market. And I can’t wait to see the back of ING again. DONT USE THIS BANK AT ALL IF YOUR CIRCUMSTANCES AT LIFE CHANGES THEY WONT HAVE YOUR BACK. MINE WAS CANCER

Was the victim of a scam. I identified early that I had been scammed out of several thousand dollars and immediately contacted ING. Had they acted straight away, my funds would have been recovered easily. Instead, I was told they would respond and notify me at each step of the 'investigation' and provide me with an outcome within 45 days. Two months on, I heard absolutely nothing. I sent several emails requesting information. No response. I call them up, but the fraud team only work Monday to Friday business hours. I talk to the general enquiries line and request a callback from the fraud team. 82 days since notifying them of the a scam I receive an email from a no reply email address - sorry, we can't recover your funds. No details of what exactly they investigated. Nothing. This kind of opaque and carefree process tells me they are not taking fraud seriously. Simply awful.

Recently deposited a cheque through Bank@Post and was told by the post office it would clear in 3–5 business days. When I followed up with ING, I was told the actual clearance time was a minimum of 12 days — with zero explanation for the discrepancy.

When I asked for clarification, no one could give me a straight answer. I requested to speak with someone who actually understood the process, and instead of helping, the customer service rep became defensive and rude.

This experience has confirmed what others have said — ING’s customer service is appalling, and their staff seem to have no clear understanding of their own systems or policies. For an online-only bank, that’s unacceptable.

If you're looking for reliability, responsiveness, or any kind of basic transparency — do yourself a favour and avoid ING at all costs.

Fake advertisement of referal program. I have refered my friend he has opened the account with an ING and deposit $1000 and did 5 transactions but still haven’t received $100 for the referal. We made a call and they said we are not eligible :( why doing fakr advertisement then just to gain customers.

𝙏𝙝𝙞𝙨 𝙞𝙨 𝙩𝙝𝙚 𝙚𝙭𝙖𝙘𝙩 𝙧𝙚𝙖𝙨𝙤𝙣 𝙞 𝙬𝙞𝙡𝙡 𝙖𝙡𝙬𝙖𝙮𝙨 𝙨𝙤 𝙤𝙣𝙡𝙞𝙣𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙥𝙡𝙖𝙩𝙛𝙤𝙧𝙢 𝙤𝙫𝙚𝙧 𝙤𝙣𝙡𝙞𝙣𝙚 𝙗𝙖𝙣𝙠𝙞𝙣𝙜.
𝙐𝙣𝙡𝙞𝙠𝙚 𝙤𝙣𝙡𝙞𝙣𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙨𝙣𝙩 𝙥𝙡𝙖𝙩𝙛𝙤𝙧𝙢𝙨, 𝙗𝙖𝙣𝙠𝙞𝙣𝙜 𝙙𝙤𝙚𝙨 𝙣𝙤𝙩 𝙥𝙧𝙤𝙫𝙞𝙙𝙚 𝙇𝙞𝙫𝙚 𝙨𝙪𝙥𝙥𝙤𝙧𝙩. 𝙄𝙩 𝙩𝙤𝙤𝙠 𝙤𝙫𝙚𝙧 1𝙝𝙧 𝙤𝙣 𝙝𝙤𝙡𝙙 𝙗𝙚𝙛𝙤𝙧𝙚 𝙞 𝙨𝙥𝙤𝙠𝙚 𝙩𝙤 𝙨𝙤𝙢𝙚𝙤𝙣𝙚.

𝙃𝙤𝙪𝙨𝙚 𝙈𝙞𝙣𝙞𝙣𝙜 𝙄𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙋𝙡𝙖𝙩𝙛𝙤𝙧𝙢, 𝙜𝙞𝙫𝙚𝙨 𝙩𝙤𝙩𝙖𝙡 𝙝𝙖𝙣𝙙𝙨-𝙤𝙛𝙛 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙥𝙡𝙖𝙣

𝙔𝙚𝙨 𝙧𝙞𝙨𝙠 𝙚𝙭𝙞𝙨𝙩, 𝙗𝙪𝙩 𝙨𝙤 𝙙𝙤 𝙩𝙝𝙚 𝙥𝙧𝙤𝙛𝙞𝙩𝙨. 𝙎𝙩𝙖𝙮𝙞𝙣𝙜 𝙤𝙣 𝙩𝙝𝙚 𝙘𝙤𝙪𝙧𝙨𝙚 𝙖𝙣𝙙 𝙤𝙗𝙚𝙮𝙞𝙣𝙜 𝙩𝙝𝙚 𝙧𝙪𝙡𝙚𝙨, 𝙄 𝙙𝙞𝙙 𝙟𝙪𝙨𝙩 𝙛𝙞𝙣𝙚 𝙗𝙖𝙜𝙜𝙞𝙣𝙜 $12𝙠 𝙥𝙧𝙤𝙛𝙞𝙩.

ING IS INCOMPETENT. They failed to organise out documentation for home loan and their conveyancer failed to attend our paper settlement which was booked a week ago. Do not rely on ING.

They don't read their previous conversations and blindly do what the computer says. Totally untrustworthy. After settling that they had fixded THEIR problem they then proceeded to restrict my account. Just a piggy bank

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 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.

ING just locked me out of my accounts because I did not see a text a month ago. NO follow up, the text was not regarded as urgent. Then you can only fix the problem that ING has caused during weekday working hours. Dreadful customer service

When our fixed rate home loan, that was with them for 4 years, finished I thought that they would want to keep customers and offer a competitive rate. They didn't offer us a competitive rate and refused to give us the advertised rate stating that "its for new customers only". Its obvious that they dont want to keep existing customers. So we are now taking all our business elsewhere.

KYC (know your Customer) regulations are fine but like so many others here, ING's hopeless app consistently fails when you try to send through a photo of verification documents, gets stuck in a loop, and then your account gets frozen.

They tell you to go to the police (that's a 5hr drive for me to a manned station) to verify documents but NSW police use different wording to what they want so they reject it.

And that's not even beginning to talk about their despicable fossil fuel investments (see marketforces' website) – or their inability to find a more secure way of verifying transactions than four digit SMS codes (which can be easily read from any stolen phone's lock screen... if they arrive at all outside Australian cities).

Reading others' experience here about having their funds frozen due to ING's enduring incompetence, I have moved everything to WISE and it's a night and day difference!(know your Customer)

ING stole money from my account, than lied regarding trying to contact me prior to do it. This errand been recommended to their Excellence Customer Association more than a month ago and 7 weeks post initial contact. Still I have not got one update of errand status, or what they are doing to retrieve the money they faulty stole from my account. For 7 weeks I've been trying to speak to someone to know where my money gone, and ensure this mistake do not continously happen to some other poor loyal customer. ING, you lost it and are a disgrace even for a corrupt banking society!!!

This have to be the worse bank to deal with. Keep away

I Learnt my Lesson.
I thought it was just me, but after reading reviews, I'm not the only one, they seem to have a habit of blocking accounts including mine.
Therefore once it became unblocked I took all my funds to another Bank. A Bank with Branches/Infrastructure. U don't realize that you need a Bank with branches/infrastructure until they block your account or you have problems. I'm done with this Bank. No more blocking my own funds, and then unable to go into a branch and sort things out or withdrawal. Never again I'll have an online bank.
Only Bank with Banks that Have Branches/Infrastructure.
My Lesson was learnt the Hard Way, after 1 week blocking access to my own funds.

I am a medium term customer of only several years. I opened my accounts with ING due to a Term Deposit, at the time best interest rate for 12 months. Also opened Orange Everyday and one other online account. 2 years in... I have savings in my everyday and other accounts... I have $2,000,000 in my term deposit! returning me $105,000 in interest per year...! I am also back working for my boss after he asked me to return... so invoiced wages are sporatic bit nearly 85 - 100,000 per year. So a short fall after looking after medical expense, aged care, and funeral expenses for my father i needed a quick loan of $ 40,000.

I was knocked back because the female loan person said i would not be able to service the loan...!

I am due $105,000 in interest as of September, from ING!

But no, we use your wages to calculate your ability to service this loan............? WTF

I will be earning over $100,000 per year just in interset for perpetuam on my Term Deposit! Not to mention my $85,000 to $100,000 invoiced wages...!

But ING denied me a quick loan!

GO ELSEWHERE FOR CUSTOMER SERVICE AND ACCOUNTS!

Jason HUDE

I am extremely disappointed with my recent experience with ING Bank. Four days ago, my transaction was abruptly stopped, and my account was blocked without prior warning. I was asked to provide additional documents to verify the source of my funds and submit further identification, which I promptly provided.

Despite complying with their requests, I have received no updates or resolutions since then. The lack of communication and prolonged delay is unacceptable, especially when access to my own funds is restricted. This situation has caused me significant inconvenience and stress.

I expect better customer service and efficiency from a financial institution. If this issue is not resolved soon, I will have no choice but to reconsider my banking relationship with ING Bank. I hope they address this matter urgently and improve their responsiveness to customers in similar situations.

Long term customer for over 13 years.... term deposits each time and not much problem until 2024... They went downhill fast, not gaining access to my account in September saw them lock me out from my account and emails were not replied to. Since I needed to change my email contact details as iinet stopped all emails.... My funds were eventually put back into my linked acct elsewhere and the acct closed. - NOT what my instructions were... roll over.
TWO (2) full days trying to sort out a new term deposit ( more than 300K ), many phone calls ( hours at a time ) still saw no resolve.... Now going elsewhere to invest...
Suggest you do the same... They have lost the plot, really.

If you are looking for hassle free banking then please look elsewhere. I have had a savings account with this company for 20 years.
Now my account has been closed all because I couldn't provide a bill to match my details with my full middle name. This negated the fact my full first and surname and correct address were present. 45mins wait time to ring and contact someone, when quite frankly someone should of been following up with me not the other way around.
The way I see it, they have done me a favour and now I can bank hassle free with Ubank.