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

Hi

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

Hi JAC

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

QUOTE
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

 

Natural pain relief in the early stages of labour

While managing labour pains on your own can be daunting, there are a number of natural pain relief options to help you cope until you are admitted to hospital.

Chinese woman gives birth to quintuplets

After six years of trying for a baby, a couple’s dreams have come true many times over after the mum gave birth to quintuplets this week.

Five-year-old shoots nine-month-old brother dead

A nine-month-old baby boy died on Monday after he was shot in the head by his five-year-old brother in their grandfather's home.

'Is that baby yours?'

She is my daughter. I gave birth to her. I nurse her. But she doesn't have any of my genes.

Episiotomy in childbirth: not just 'a little snip'

Episiotomies have a place in maternity care – and can occasionally save lives – but should not be performed routinely.

Toddler aggression not caused by language delays after all: study

The logic was that children who don’t have the language to fully express themselves will lash out when they’re misunderstood. Not anymore.

Why we chose to adopt a child with Down sydrome

Everyone in foster care (and really in life) has something that makes them more vulnerable. We just know what our son's is.

Object of desire

Curvy mums make clever babies

Scientists appear to have discovered why women have evolved to have more curves than men – shapely thighs and bottoms lead to healthier babies.

'We'll make sure they know how much she loved them'

A first-time mum will never get to hold her four newborns, dying shortly after giving birth to the quadruplets.

The baby names NZ knocked back in 2014

A New Zealander has tried to name their baby Senior Constable but didn't get away with it - and numbering children is also a no-no.

How can you go into labour without knowing you're pregnant?

For most of us, the idea that a woman could carry a child to full-term without knowing she is pregnant is mind-boggling.

Will you get to the hospital in time?

Worrying your baby will be delivered by the roadside is a common concern for many mothers-to-be. So how likely are you to be caught short?

Video: Funny 'Lips Are Moving' parody just for mums

Meghan Trainor's song 'Lips Are Moving' was already a hit, but now it's been turned into a hilarious parody that is set to be very popular with frustrated mums everywhere.

Out with the clutter

Decluttering by the numbers: take the 30-day challenge

Forget the 5:2 diet - Twitter's 30-day declutter challenge will have your house back in shape in no time (well, a month).

Parents, don't be too hard on yourselves

We need to stop damning parents of today, and embrace their appetite for knowledge instead.

Is my baby normal?

There are chubby Buddha babies and there are thin, smaller babies. Neither are right or wrong, they are all 'normal'.

When an older sibling starts school

When one child goes to ‘big school’ and leaves the other behind, it can cause deep upset. Here's how to make the transition easier.

Stray cat saves abandoned baby

They say dogs are man's best friend, but one cat has proven felines can be just as devoted to their human companions.

How strangers are helping a mum's wish come true after her death

A mum of five, Liz Marquez wanted to breastfeed her premmie son for a year. So when she passed away suddenly, her friends - and strangers - stepped in to help.

Win an Octonauts prize pack

To celebrate the launch of Octonauts Live! Operation Reef Shield, a spectacular underwater adventure live on stage, we are giving away an amazing Octonauts prize pack to one lucky fan.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Stars help save choking babies

It's an important lesson to learn, but one that busy new mums and dads might overlook until it's too late.

New Girl star Zooey Deschanel pregnant

Actress Zooey Deschanel is expecting her first child with her producer boyfriend Jacob Pechenik.

16 times 'dad reflexes' saved the day

Of course, in some cases they may be the ones who actually got their child into a precarious position in the first place, but we'll ignore that for now.

Couple's 'non-traditional' pregnancy announcement goes viral

Knowing you are not the father of your pregnant wife's baby would usually indicate a rocky relationship ahead for traditional parents.

The trials and tribulations of identical triplet newborns

Pip Donnelly is still playing spot the difference with her newborn identical triplets, Isabelle, Georgina and Frankie.

Win an Octonauts prize pack

To celebrate the launch of Octonauts Live! Operation Reef Shield, a spectacular underwater adventure live on stage, we are giving away an amazing Octonauts prize pack to one lucky fan.

Earthquake baby thriving five years on

Jenny Alexis is lucky to be alive after spending four days buried in the rubble of the 2010 Haitian earthquake, but now she's a thriving five year old.

Please don't say I'm lucky because I was adopted

On the one hand I was having a regular life with friends and sports and sleepovers and school. But I was also always wondering: Did my mother love me? What was wrong with me?

An open letter to non-parents who offer advice on child-rearing

Kitty, when you’re the parent of my child you’re welcome to wade in with an opinion – but until then, I’d prefer you to have a supportive ear and a glass of wine ready.

Couple arrested over baby gun video

A US couple faces charges after investigators say they found mobile phone videos showing the woman's 12-month-old daughter putting a handgun in her mouth.

NSW Health dumps 10-year limit on frozen embryos

A 10-year time limit on storing frozen embryos that were created with donor sperm has been dropped by the NSW government.

How my happy-go-lucky husband became a monster

Sharan Nicholson-Rogers watched her husband change from a happy-go-lucky police officer into an unpredictable man prone to violent and emotional outbursts.

Dads-to-be experience hormonal changes, too

Dads-to-be experience hormonal changes in line with their pregnant partners, a new study shows.

'They were just doing their job': mum of toddler killed in police chase gone wrong

"They were just doing their job. I feel so sorry for them. It is all just too sad."

Miscarriages to be formally recognised by NSW government

Women who miscarry will be able to obtain an optional "recognition of loss" certificate as a formal recognition of their often heartbreaking loss.

Cafe cubby house 'too noisy' for neighbours

Teenage parties, domestic disputes, or raucous late night pubs are the things that usually come to mind when you think neighbourhood noise complaints.

Dad films baby playing with snake

Most parents would not consider a snake an appropriate playmate for their baby, but a US dad who filmed his daughter playing with a python has defended himself against criticism.

Clever breastfeeding products

Check out this range of products designed to help make your breastfeeding journey more enjoyable, manageable and convenient.

Win with The Boxtrolls

To celebrate the release of The Boxtrolls on 3D Blu-ray, DVD & Digital with UltraViolet, we're giving you the chance to win a Boxtroll stationary package and DVD.

 

School Term 1

Get after-school care sorted

Wait lists too long at OSHC? Use www.findababysitter.com.au to meet local nannies now.

 
Advertisement
 
 
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.