ING Nederland Reviews 3,992

Dear ING Bank Fraud Department,
I am writing to formally report a fraud incident involving a payment I made to an ING Bank account in the Netherlands.
On July 2, 2025, I transferred a payment via Wise to the following ING Bank account:
BANK NAME:ING BANK NV
IBAN :NL78INGB 0108 7802 36
BIC/SWIFT:INGBNL2A
ACCOUNT NAME: ARROW PERFUMES & FMCG
ADDRESS:BIJLMERDREEF 106,1102 CT AMSTERDAM
Account Holder Name (as shown): Arrow Perfumes & FMCG Group B.V.
Amount: €5,300
Reference: Bulk order – FMCG products
The payment was made for a wholesale order of fast-moving consumer goods (FMCG) from a company claiming to be Arrow Perfumes & FMCG Group B.V., allegedly located in Rotterdam. After the payment was received, the beneficiary stopped all communication. My emails, WhatsApp messages, and calls have gone completely unanswered.
Despite multiple attempts to follow up, no goods have been delivered, and the seller has seemingly vanished. The last time I heard from them was on July 2, 2025, immediately after they acknowledged receipt of funds. My most recent outreach attempt was on July 15, 2025, again with no response.
I have reason to believe this account is being used for fraudulent purposes, possibly affecting other victims as well.
I have already taken the following actions:
Reported the fraud to the Dutch Police (Case No. 250717-PS164871378)
Reported to Fraudehelpdesk.nl (Reference No. 250717-000151)
Filed a complaint with my sending provider (Wise)
I kindly request the following from your side:
Immediate internal investigation into the account listed above
Freezing or flagging of the funds/account if possible, to prevent further fraud
Disclosure of the legal account holder’s details to support ongoing police and legal proceedings
Coordination with Dutch authorities in case of further investigation
If needed, I am ready to provide:
The invoice and agreement
WhatsApp and email conversations
Wise payment confirmation
Police complaint documents
Please confirm receipt of this message and let me know if there are any next steps or forms I should complete.
Thank you for your assistance.
Kind regards

The app crashes every time.
the staff are unhelpful. Stressful, unprofessional, and unreliable.

Bad user experience

Worst bank experience in all of the world.
Tried opening a joint account, did not work.
Told me to go to a service point, they did not know how to help.
When i tried to leave, charged me money for a service they did not provide.
Wow, if you are an expat do not even think about using them

I tried to contact the ing bank but the number is +3120-2288888 is never available and shut down directly. Last year they blocked my account as of a strange transfer they thought and i had a very intimidating phone call with their fraud team. I did in their eyes a not normal transaction and they saw me as a criminal to cooperate for fraud somehow. They also blocked everything. As i could not use this account that they blocked immediately i myself deleted the app which was useless and as much as i tried to convince i did nothing wrong i got no answer at all. It seems i am on a black list or so, i don't know. Yet i still have to pay for a debit card and the use of my account that i even can't use at al.
I am very angry with this bank and not only deleted the app but threw away my debit card too last year. Ever since there is not any possibility to get in contact with them and they only benefit on my wallet by paying monthly costs for nothing.

Cliente da decenni, segnalo la completa inversione di rotta di Ing. Prima attenta alla clientela e sollecita nel venire incontro alle loro esigenze, ora smaniosa di “accalappiare” sempre nuova clientela. Volevo aprire un “conto arancio” per un congiunto, peraltro già cliente Ing, a distanza di oltre 4 mesi ancora il conto non è stato attivato, tra l’indifferenza degli operatori del servizio clienti. Servizio Clienti che definire pessimo e già un vanto. Dopo aver tenuto al telefono lo sfortunato per tre/quattro minuti, inesorabilmente, a qualunque ora del giorno, chiude la comunicazione per il “grande traffico” . Letteralmente una presa in giro. Non è tollerabile che una banca online non consenta l’interlocuzione ai propri clienti con stupidì mezzucci quali il grande traffico telefonico.
Una parola a parte meriterebbe l’abitudine di offrire condizioni di vantaggio solo ai nuovi clienti, anziché a tutti i clienti. La banca offre buone possibilità, il servizio clienti è da rifondare in toto, inaccettabile. Lo sappia chi prevede di aprire un conto online su Ing.
Ho letto la risposta di Ing, voglio aggiornare ciò che ho scritto;
Dear Margreet your answer is stupid and not acceptable, since Ing operates in Italy, as well as in many other countries, must accept my language. If you are unable to understand In foresta you and hire another who understands the language of the countries where Ing operates. And I do not greet you because besides being stupid, you are also arrogant. Dr Vincenzo Campo
Ing: not acceptable!
Customer for decades, I report the complete reversal of course of Ing. At first attentive to customers and eager to meet their needs, now eager to "catch" always new customers. I wanted to open an "orange account" for a spouse, however already customer Ing, after more than 4 months still the account has not been activated, among the indifference of customer service operators. Customer service that define bad and already a boast. After having held the unfortunate on the phone for three/four minutes, inexorably, at any time of the day, he closes the communication for the "big traffic". Literally a mockery. It is not tolerable that an online bank does not allow the interlocuzione to its customers with stupid half-tricks such as the great telephone traffic.
A separate word would merit the habit of offering advantageous conditions only to new customers, rather than to all customers. The bank offers good opportunities, the customer service is to be refounded in full, unacceptable. Know who plans to open an online account on Ing.

Fair banking company but the regulations could be better managed.

Blocked my credit card for no reason. I have purchased sauna hat for 3 euros. Receive message from ING that my card is blocked, please call on this number ... I call them, it takes me more 30 min of wait time. Like this is insane !!!!

I am deeply shocked by the way ING has accused me of fraud without providing a single piece of evidence. In a letter dated 5 June 2025, ING claimed that a third-party account holder had been “misled into authorizing transfers” to me and that a police report would be filed.

After contacting the person, it became clear that no such deception occurred and no police report was ever filed. In fact, the transfer was a mutual loan. ING’s statement is therefore entirely false and under Dutch law may constitute defamation, slander, and an unlawful act (Art. 6:162 Civil Code).

Without giving me any chance to respond, ING:
• Blocked my account for already 22 days,
• Registered me in national warning databases (IVR/EVR),
• And placed me under extreme financial and emotional pressure.

To make matters worse, ING refuses to provide any evidence to support their serious allegations. This is happening in a society where cash still exists, but is increasingly restricted in practice with many stores now refusing it under pressure from banks and the push for “card-only” policies. As a result, banks like ING hold immense and largely unchecked power over people’s ability to access and manage their money. They can freeze your access to money without any notification, make accusations and blacklist you, all without oversight, evidence or legal process.

This kind of unchecked power is deeply concerning. That a bank can unilaterally accuse, block and label a person without proof, judicial intervention or accountability is not only unjust, it borders on authoritarian abuse of power. In a society where banks control all financial access, this leans dangerously close to financial dictatorship.

My advice: be extremely cautious and make sure you have cash in your hand. If ING can do this to me without any evidence, without judicial protection, they can do it to anyone.

I have been with them for a decade, handy mobile app, quick transactions and good customer support.

Perfect service, the day after providing the required documents, I've got the money.

Do not bother with this bank. Customer service is non-existent. Any issue I have had with this bank (and there have been MANY) has been met with someone saying "I don't know what's wrong." AND THATS IT. For every issue, no worker has been able to do ANYTHING to help me fix it and they never even know why the issue happened in the first place. I am CONSTANTLY met with an "I don't know" and a shrug and told that there is literally nothing anyone can do to help me and that is the only 'solution' I am met with. This bank holds my money hostage and does not let me access it any time I have a problem. DON'T WASTE YOUR TIME.

My ING bank card has been stolen. I haven't received a new card, even though it's been a week. The customer service says it has reached the system. However, when they found out that nothing had been sent to me, they said that there could be a delay in the system or that it could be on its way. I asked for it to be cancelled for security reasons and for a new card to be sent, but it's been almost 10 days, my complaint hasn't been resolved and the bank hasn't offered any help. I don't think they have an unprofessional service approach and that they treat their customers with care.

Hello, first of all, the number of branches is very insufficient and also the personnel in the branch are trying to get rid of them as soon as possible. I request that especially the ones in the Hague section and the smaller branches be inspected. They should be inspected suddenly and without notice, not consciously, so that you, the authorities, can see it. Thank you.

Opening a business account in the Ingbank in the Vijzelstraat 79, in Amsterdam was a 5 stars experience. From the receptionist to the account manager they were polite, customer-focused, and friendly and I recommend this location of Ing Bank in Amsterdam. ( unfortunately, I cannot same the same of the locations in the Ceintuurban or the Rokin where the attitude and the overall experience from the moment I walked in was completely the opposite and in fact because of that bad experience I had decided to close also the private accounts )

I wish I read these before moving two home loans to ING. I've called 5 times excess of 4 hours on the phone. I tried to move my payments to montly, it's been 2 months into my moving to ING and they cant seem to schdule the payment date. Every rep giving me different info and telling me it's sorted. I'm now about to default on a payment because of their systems and terrible customer service! DO not go with ING!

The customer service is racist, arrogant, disrespectful, irresponsible, full of hypocrisy and discrimination, I could even feel that for them to talk to me is a big problem. They hang up the phone on me every time I call them for questions or clarifications. If you are a foreigner you are not welcome for their own interests they pretend to help you. Just like by the name you have, and the way you express yourself in Dutch. I wonder if he works in the family company where they can do whatever they want. without any consequences.

So my parents are over 80 years old. They have a pension which is paid through their ING account.
No matter their age, they are my mum and dad.

My mum stopped working to take care of the kids when the first one was born till my dad had a severe accident and was forced to retire when I was 10 years old.

They live near the French border for the past 44 years from which the past 28 years on the same address.

These are old people, forced to work with smartphones and banking apps.

So what happened?

Apparently my mum was forced to reconfirm the address where she lived. The same address she was living for the past 28 years with my dad.

No telephone, no mail, no letter and no pop up notification in the banking app. There was a message in the banking app but my mum was not aware of it because she did not knew how to use it.
These are people over 80 years old you know.

So last wednesday my mum tried to collect cash money from the terminal and she found that here banking pass was blocked.
She found out later that it was because the address where she was living for the past 28 years was not reconfirmed.

The banking pass from my dad, they are using the same account, is blocked too.

No help from the helpdesk at the bank when they phoned the bank. ING does NOT CARE!!

ING explained my parents they have to come back from abroad, drive over 400 km just to reconfirm the address where they live!

With no money because the bank blocked their cards.

So just think about this when you are a client at ING!

Have a nice day.

Ps.
Thanks for your reply.
Somebody at ING started an address change when they phoned to hear what was going on which appeared to be an administration error from ING
My parents phonef today at the number you have send and the problem should be solved within 2 days.

Thank you

Good day,
I have a question wich worry me amazing much. Please ing Nederland can u explain how it works?
1. After close last bank account in ing bank do the mobile app and mijn ing still keep working with inlogegevens?
2. If after close all bank accounts the ing still working is there possibility to open new bank account without verification? Or when i close bank account its mean so all relationships between me and bank finished?
3. Is inlogegevens for my ing still working for identification and signing ideal?
Sorry i worry alot, because i close bank account but my ex partner have my inlogegevens my ing, because he helped me with online banking. He can not make new bank account and cards? Also idin verification with ing inlogegevens wich he still have not possible? I recently immigrate and worry so i did something wrong.
Please help me understand...
bank account is closed.

I do not recommend any of their services to anyone. Another Dutch pay and shut up company. I bought car insurance, the company had a problem verifying my years of accident-free driving, unfortunately the company was not interested enough to contact me before taking any action, as a result of which they sent me an invoice for 170e which was debited from my bank account two days later. Of course the situation has not been resolved to this day, they took the money very quickly but no one was interested in solving the problem and refunding the costs. I talked to the customer service department several times and my request was ignored many times. They call when I am at work, I try to call back and no one picks up, 15 minutes on the phone and nothing, of course you can't contact them by email only by phone which is absurd. Before you buy any services from them, think about whether you want such a company to be responsible for finances? I can't imagine what kind of problem I could have demanding my rights in the unpleasant moment of an accident or misfortune where such people treat me in such a way. This is reprehensible behavior of the insurer, which I advise against if you have respect for your own peace and well-solved problems. Such companies are not suitable for entrusting them with your money, health and safety.