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


First look at Renee Zellweger in Bridget Jones's Baby

Bridget is now in her 40s and is a successful publishing executive - but also has a pregnancy to contend with as well.

Newlyweds send bill to no-show guests

Planning a wedding can be stressful – and, as most newlyweds can attest, it can be very costly, too.

Claire Danes: acting out postnatal depression was difficult

Actress Claire Danes found it difficult pretending to have postnatal depression in Homeland, as she had just become a new mother herself.

Sneak peek: Geleeo self-cooling pram & high chair liners

We just spotted Geleeo, a brand new self-cooling pram liner you can buy in time for summer.

The moment a 92-year-old meets her great grandaughter

It's a heart-warming photo this family will treasure forever.

How to prepare for breastfeeding when you're still pregnant

While every woman's breastfeeding journey is different, many hurdles are shared. Knowing what to expect will enable you to make informed decisions if - or when - you meet challenges along the way.

Win a Family Farm Trip with Shaun the Sheep

To celebrate the Home Entertainment release of Shaun the Sheep Movie, Essential Kids and Universal Sony Pictures Home Entertainment are offering one winner and their family a holiday to a farm.

Sneak peek: new Love Mae bamboo dinnerware designs

We do love ourselves some brand new designs in tried and true products. The renowned bamboo dinnerware from Love Mae has just had several more members join the family, in addition to a brand new website.

Mum who killed paedophile gets reduced sentence

A mother-of-five who killed a paedophile has had her jail sentence reduced by a judge who described her case as a "truly exceptional" one.

Win a Justine Clarke Pyjama Jam! prize pack

The Pyjama Jam! tour will see Justine Clarke returning to more intimate venues around Australia, creating the perfect comfy and cozy atmosphere for a PJ party.

Toddler's silent debate with mum about naptime

He might not utter a single word - but this toddler is having a great debate with his mother about nap time.

Silence is golden ... or is it?

Silence is golden, or so the saying goes. But when it comes to children, quite the opposite is true.

Awards 2015: Vote now for a chance to win $2000

Vote for your favourite pregnancy, baby and toddler products for your chance to win your share of $2500 in cash prizes.

Scientists identify potential birth control 'pill' for men

Two drugs that help suppress the immune system in organ transplant patients may have a future as the long-sought birth control "pill" for men, new research suggests.

Running for beginners: taking the first steps

It's that time of year when the weather warms up and there's more opportunity to get out and go for a jog.

Tips for turning yourself into a morning person

Mornings are a great time to spend time in reflection or to get outside and get moving.

Thousands sign petition for unborn babies killed by domestic violence

Almost 8000 people have signed a petition calling for a law to recognise unborn babies killed by domestic violence in NSW.

Pregnant Sarah Harris tells body-shamers to 'get stuffed'

Television presenter Sarah Harris has a message for anyone who tries to body-shame pregnant women or new mums.

In defence of 'brexting'

Mums spend literally hours a day with a baby attached to their boob, or giving them a bottle. Surely they don't all need to be spent looking at the baby?

How a fellow passenger made a mum's day on a flight

As any parent who has ever travelled with a baby knows it can be a daunting experience. The stares and attitude of unsympathetic fellow travellers only serve to make the journey even more stressful. 


What's hot on EB

Stella McCartney honours mum with lacy bra

Fashion designer Stella McCartney has honoured her late mum, Linda McCartney, by designing a special bra for post-mastectomy patients.

Don't panic: A granddad midwife's guide for dads-to-be

Mark Harris has helped deliver 500 babies. And he's now telling fathers what to expect.

How to be a calm parent when you're feeling anything but

Being a calm parent takes a lot of work, sometimes more than is obvious to those around us.

The joy and isolation of being a stay-at-home dad

It's cool, kind of like a second childhood. I love him to bits and think, on average, I'm an okay dad. But I also want to talk about the other stuff.

How baby Teddy's short life is helping save thousands of lives

He may have only lived for 100 minutes, but that didn't stop baby Teddy from saving the lives of others.

A heartbreaking trail of missed chances in death of baby forgotten in car

A haunting reminder to stay mindful about babies in cars, especially as we approach summer.

What to do if your baby has tongue-tie

Tongue-tie can cause feeding problems. However once it is diagnosed, the condition can be easily treated.

How to move house without losing your mind

Some people move frequently, while others like to stay put. But everyone finds it stressful.

'She had nowhere to go': how new mum's life began to unravel

The birth of her first child should have been happiest of times for Campsie mother Phuong Cao, but friends say it marked the beginning of when her life began to unravel. 

Women giving birth to a son keep some of his Y chromosomes

It was an experiment doomed to failure - they were looking for male cells in female bodies. And their search was stunningly successful.

Photos: How babies fit in the womb

A gorgeous photo series shows babies in the first hours after their birth - as they were positioned in the womb.

Baby tries to persuade stubborn bulldog to walk, fails

We don't know what he's saying, but this baby has a very clear message for his bulldog pal: let's walk - NOW.

The best toddler gift ever? Nine gender-neutral play kitchen picks

Without a doubt, one of the best gifts for a toddler turning two or three is a play kitchen.

9 easy steps to improve your baby photography

With a few simple tips you can take your images from random happy snaps to lovely clean images that create beautiful lasting memories.



What are your favourite baby products?

The Essential Baby Awards are on now, and we need your help! Have your say on your top picks and you'll go in the draw to win a share of $2500.

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.