Jump to content

Tell me about ING

  • Please log in to reply
13 replies to this topic

#1 *JAC*

Posted 20 January 2013 - 02:05 PM


I currently have our accounts with CBA, but I'm wanting to have a separate account for direct debits and CBA can't accommodate this.  I have been looking at opening an ING account, purely for direct debit payments.  My plan is to transfer the required monthly amount for all of our direct debits into this account, and setting them all up again with the new account details.

From what I have read on the ING website, there are no fees at all for their Every day account.  All I really know about ING is what I have read on EB over the years.

For those that use them, have you had any problems or issues?  Would my plan work?

Thanks original.gif

#2 lamarque

Posted 20 January 2013 - 02:15 PM

I'm surprised CBA won't accommodate an extra account?

I have an ING account that I love.  I have a weekly direct debit coming out of my ANZ account and this is set up at ING's end.  I think from memory you have to have a bank account linked to it.  

It is a good savings tool as you can't move your money quickly, it's normally a 24 turnaround.

I don't pay any bills from this account sorry, I only move money back to my ANZ account.

#3 MrsLexiK

Posted 20 January 2013 - 02:18 PM

I have a CBA account and when I had my personal loan which DD out I had a sep account.

#4 *JAC*

Posted 20 January 2013 - 02:33 PM

The problem I have is with CBA is I can't DD out of the other accounts other than my everyday account.  So I'd have to transfer the money back into my everyday account anyway.  Hope I'm making sense?

The way I'd like to do it is have the direct debits taken out of a separate account, where I transfer money into monthly and forget about it.

The ING Savings Maximiser account you are talking about MrsLexiK do not allow direct debits out of it (same scenario as CBA).

It appears there are no fees with the Orange Direct - even if I don't deposit my salary into it per month.

#5 Pearson

Posted 20 January 2013 - 02:37 PM

I have bank accounts and lending with ING, and they are fantastic to deal with - we are on the verge of closing all our other accounts and only being with ING.

Yes, it would work.

#6 Lil-Mum

Posted 20 January 2013 - 02:41 PM


I have a ING Orange account. No fee. It's great because I get 5% cashback on purchases under $100 with Paywave until July 2013. I also use it for internet purchases.

ING also offer $50 bonus if you activate before 31st Jan with referral code. I still have a referral code if you need it.

Edited by Lil-Mum, 20 January 2013 - 02:43 PM.

#7 MrsLexiK

Posted 20 January 2013 - 02:53 PM

JAC - my account was a CBA account only set up to have a direct debit come out of it for my loan. There was a direct debit going in (from fortnight wage) and a direct debit going out (when payment due)

If you get a lot of cheques I wouldn't look at ING direct because putting them in at aus post for me would be a pain, this is really the only down side I can see to not having a branch available. And I suppose also withdrawing lump sums of cash more then they allow at an ATM and if you need a bank cheque it could be harder to get. But if you are solely using it for a direct debit I don't see the above being an issue.

#8 Zanbam

Posted 20 January 2013 - 04:06 PM

I'm with ING using orange everyday as a mortgage offset account. I love it, great customer service (as long as you are happy to access only phone or Internet banking) and no fees!

Another reason I love them is the last 3 rate cuts have been passed on IN FULL, not sure if the same can be said about the bad four.

#9 *maddierose*

Posted 20 January 2013 - 06:04 PM

ING also offer $50 bonus if you activate before 31st Jan with referral code. I still have a referral code if you need it.

Ahhh i just opened an account a few days ago linked to my personal account but didn't know about this.

I'm opening one linked to dh's and my account in the next few days, how does this work?

#10 Jane Jetson

Posted 20 January 2013 - 06:11 PM


Edited by Jane F. Jetson, 15 June 2014 - 06:29 PM.

#11 Fluster

Posted 20 January 2013 - 06:23 PM

I'm with them for my mortgage and some types of personal insurance.  I have a moderately complex mortgage situation and they have been completely and utterly useless for the mortgage, but much better with the insurance side of things.  MUCH better than NAB, CBA, etc, though.

#12 joykey

Posted 20 January 2013 - 07:07 PM

I have had my mortgage with them for years, very happy with them, and have two Orange Everyday accounts with them - one is just for monthly direct debits that I transfer to fortnightly on pay day, and works beautifully, no fees.

#13 *JAC*

Posted 20 January 2013 - 08:47 PM

Lil-Mum I have sent you a PM (or two!)

I am going to go the ING account option for direct debits....now comes the fun part of setting them up all over again!

Thanks everyone for your help original.gif

#14 weepingangel

Posted 29 January 2013 - 04:46 PM

I see you have made a decision, but also wanted to say how great ING are original.gif

My DH has just rolled his super over to ING, they won Money magazines award for their super fund. He also has his life insurance, IP, TD insurance through them. He's an offshore worker so getting insurance was difficult enough but was so easy going through INGs super.

We have everyday orange accounts and a savings maximiser.

1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users


Newborn baby found in a nativity scene

Police are trying to trace a woman who abandoned a baby boy in the manger of a church nativity scene.

Life would be harder without my kids

The Humans of New York Facebook page is well known for sharing touching, real stories from one of the world's biggest cities – and it's just hit the heart of parents everywhere.

Mum dresses as Wonder Woman for last day of chemo

A Brisbane mum dressed up as a superhero to celebrate the end of her chemotherapy and created a moment her family will remember forever.

How a raisin can predict a toddler's IQ

All you need to assess a child's future intelligence is a plastic cup and a raisin, according to new research.

Former Hi-5 member's cannabis hope

Former Hi-5 star Tim Harding hopes a cannabis-derived drug will help control his daughter's epilepsy, which sees the four-year-old suffering between 50 and 100 seizures a day.

The top 5 reasons your toddler throws a tantrum

Whilst to the outside world little people may appear to have it easy, it's actually not always the case – just ask any toddler who's had their toast cut up the wrong way.

Glenn McGrath thought he'd lost his wife and baby

Australian cricket ledged Glen McGrath has spoken about the moment he thought he might lose his wife, Sara and their baby daughter, Madison.


Inside my Centrelink nightmare

Mother Bec Smith has been trying for months to access Centrelink payments. A "serious error" is preventing her.

Warnings over push for hourly childcare billing

Australia's peak childcare body has called for caution around the Turnbull government's push for childcare centres to charge parents by the hour, not by the day.

Cate Blanchett thought about adopting for years

Cate Blanchett says her recent adoption of a baby girl had nothing to do with wanting a daughter after having three sons.

Kate Walsh: 'I can't have kids'

Grey's Anatomy star Kate Walsh has revealed she is unable to have children because she has experienced early menopause.

The parasite that could boost fertility

The Tsimane women of Bolivia are often revered as among the most fertile in the world - on average having 10 children in their lifetimes -- but some are even more fertile than others.

Family may sue cousin over genetics

A Melbourne couple is suing the Royal Children's Hospital for failing to diagnose a genetic disorder in their first child - an error they allege caused them to have another child with severe disabilities.

Strange things mums have done in labour

While most women in labour focus on the upcoming birth of their baby, some women do more interesting things.

Michael Clarke reveals baby's name

When Michael Clarke said he was wrapped around the finger of his little princess, he wasn't joking.

The logistics of breastfeeding twins

Our life is more or less divided into neat four hour parcels of time and it's hard to get much of anything done in the time between feeds.

How to stop people ruining Christmas

We can make a conscious effort about how we react to those curly Christmas day scenarios that can send us up the wall, or should we say chimney.

Lots of formula offers for desperate mum

The mum who was down to her last three tins of baby formula said she had received hundreds of calls and offers to send her formula.

Surviving breast cancer while pregnant

It was last thing Rebecca O'Donnell expected at 30 weeks' pregnant. One morning, while putting on her bra, she felt a pea-sized lump in her right breast.

Cot sheet brands for the nursery

With so many awesome cot sheet options these days, we thought we'd put together a list of go-to brands for you to seek out for your baby's bed.


What's hot on EB

How I survived breast cancer while pregnant

It was last thing Rebecca O'Donnell expected at 30 weeks' pregnant. One morning, while putting on her bra, she felt a pea-sized lump in her right breast.

Grieving father's letter to Bataclan terrorists: "...this little boy will threaten you by being happy and free"

A grieving father whose wife was killed in the attacks on the Bataclan Theatre last weekend has written an open letter to her killers.

5 challenges of motherhood - and how to see them differently

Despite the smiles, the sloppy kisses and the pure magic children bring to our lives, it's hard to deny that motherhood can be tough.

4 challenges of being a new dad - and how to face them

Becoming a parent is challenging – and that applies to both mums and dads.

My battle against antenatal and postnatal depression

I was five months pregnant when I realised I needed help.

Children swapped at birth will not be returned to biological parents

A boy and girl accidentally swapped on the day they were born will stay with the families who have raised them, a South African court has ruled.

A quarter of men believe they get 'man periods'

A British study has revealed one in four men believe they have a monthly cycle.

Baby deposit

How much do you need to save for a 'baby deposit'?

It's fairly straightforward to calculate a house deposit, but how much money do you need to save up for a baby?

Dad's beautiful note to his wife, a nurse

To anyone else it might just look like a picture of a mum having a nap with her toddler.

'I was a complete schmuck': Mike Baird opens up about his wife's postnatal depression

When his wife Kerryn was not well following the birth of their daughter, NSW Premier Mike Baird buried himself in his work.

Mum's desperate plea as whooping cough alert issued

A desperate mother has shared a heart-breaking video of her baby struggling to cope with a coughing fit caused by pertussis.

Coffee could help you live longer

New US research found people who report drinking three to five cups of coffee a day are less likely to die prematurely from heart disease, suicide, diabetes or Parkinson's disease.

The joy and dread of playdates

To live vicariously through your child is to rediscover anxieties you thought dead and buried.

Sick baby could die without scarce special formula, mum says

Lizzie Cann is down to her last three tins of a special formula in short supply.

Adorable toddler's strop foiled by squeaky shoes

We're probably all familiar with the pouty bottom lip and tightly crossed arms of a tot mid-strop.

More sex during World Cup created more baby boys

More sex during South Africa's World Cup meant a disproportionately high number of boys were born nine months later, a new study has found.

Win one of two ABC Shop prize packs in time for Christmas

What a boon it would be to have your toddler's Christmas gifts covered this year. We have two awesome ABC Shop prize packs to give away to two lucky winners.

Do fitness challenges really work?

Fitness challenges aren't new. There's Michelle Bridges 12WBT and a bunch of other programs if you really want to lose weight.

What are pregnant women Googling?

Pregnancy is a huge change for any woman, so it's natural we'll have questions - and turn to Google to ask them.



Can't decide?

Check out the Essential Baby Names section for some inspiration

Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.