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

 

Wondersuit heaven: Bonds & Disney launch exclusive collection

Bonds and Disney fans with babies to buy for will be celebrating this news. Bonds and Disney have just released collaboration Wondersuits.

Town welcomes first baby in 28 years

Since the 1980s, the Italian town of Ostana had not seen the birth of a single baby.

Great-great-grandma delivers great grandchild in her own home

''I've delivered calves, lambs, dogs and cats, but nothing like this.'' This 'Super Gran' calmly peeled the amniotic sac over her great-grandson's head before discovering the umbilical cord was wrapped around his neck ... twice.

How to start teaching your kids road safety

It's something that can be taught as early as possible and reinforced as they get older and more mobile - even from toddlerhood.

Just announced: Bugaboo Cameleon³ Classic+ Collection update

Meet the brand new understated chic model from Bugaboo.

The emotional moment a mum hears her late son's heartbeat

It's been two and a half years since Heather Clark's seven-month-old son Lukas passed away.

Nine reasons why you have 'brain fog'

One minute your productivity is skyrocketing and the next you're sitting there trying to focus – just like that you draw blank, your brain, mush.

I had a caesarean and it was beautiful

Guess what? Despite not pushing him out, I cried, and my heart skipped, and I felt the rush of love and pride when I saw him for the first time.

Microcephaly still a mysterious condition around the world

For parents, having a child with microcephaly can mean a life of uncertainty.

7 baby firsts you won't see on milestone charts

Here are a few 'other' baby firsts you may not have been expecting, but you'll want to be ready for.

Why it's important to vaccinate on time

My son was born on the 1 July 2014. It's a fabulous birthday, don't you think? Not only does the first of July ring in a new financial year, but it also means we've hit the year's half way mark.

Naturopath treatment allegedly left baby "days from death"

A naturopath whose treatment of a baby boy allegedly led to the infant being severely ill has pleaded not guilty to charges against her. 

Andy Murray's emotional speech to pregnant wife after Australian Open

A teary-eyed Andy Murray promised pregnant wife Kim he'd be on the next plane home after his turbulent two weeks at the Australian Open came to an end.

This toddler and his duck BFF will melt your heart

A small boy in the US has struck up a quacking good friendship with an unlikely companion ... his pet duck. 

Great news for coffee drinkers - caffeine is good for your heart

Researchers have found that, contrary to prior belief, caffeine does not cause health-threatening heart palpitations.

I always wanted children - but I've found other ways to be maternal

I've always been one of the most maternal women I know.

When only one parent wants to know the gender

For some couples you either both want to know the gender of your unborn baby, or you don't. For others, it's not that simple.

'No jab no play' could hurt disadvantaged children, experts fear

Tough new "no jab no play" laws could hurt children who have not been immunised due to family dysfunction, poverty, or poor access to medical support, experts warn.

Zika virus: Airlines offer refunds to pregnant women

Airlines and cruise companies across the world are offering refunds or travel credits to pregnant women who are scheduled to visit countries struck by the devastating Zika virus.

#meditateonthis: Mums fight back against PND ignorance

Not all women will require medication, but many will. And there isn't and shouldn't be any shame in that.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Penny Wong

'The most hurtful argument in the marriage equality debate'

Labor frontbencher Penny Wong is used to to hearing arguments against same-sex marriage. But for Australia's most prominent gay politician, one hurts more than others.

Does exercise have to be fun to work?

Some things in life are inherently served with a big scoop of fun: balloons, bubbles, cupcakes to name but a few, but exercise?

Hair dye gives woman second-degree burns

She wanted a fresh colour for 2016, but instead she got chemical burns.

Kelly Slater saves mum and toddler from 'freak wave'

A Perth family has thanked US surfing "legend" Kelly Slater after the star saved a mother and a young toddler from "a freak wave" in Hawaii.

Apple recalls millions of power adapters

Tech giant instigates massive international recall of power point adapters due to risk of electric shock.

Toddler's adorable alphabet goes viral

It's impossible not to share this little boy's excitement  about the alphabet.

Tot's nighttime waking saves family's life

Like all tired parents, Monique and Kyle Ruppel were looking forward to the day their 15-month-old daughter Celia would start sleeping through the night. 

Australian mum gives birth to quintuplets

An Australian mum who has shared the ups and downs of carrying quintuplets has welcomed her five babies into the world.

Dad of four girls faints at gender reveal for fifth baby

It was all too much excitement for this dad.

The simple way you can help your baby's language development

The way parents respond to their child's babbling can shape how their infants communicate.

Zika virus is 'spreading explosively': WHO

The World Health Organization announced that it will convene an emergency meeting about Zika.

National database recommended for child protection cases

Baby Ebony was repeatedly failed by the agencies tasked with her protection before her horrific death at the hands of her father, South Australia's deputy coroner says.

Hospitals put babies at risk by ignoring policy on elective caesareans

Thirty-eight weeks or 39? Non-medical factors are pushing women to have elective caesareans earlier than official guidelines - and hospitals are playing along.

Police help deliver baby on busy roadside

Two police officers delivered more than a traffic fine by the side of a busy Melbourne road yesterday.

1D's Louis Tomlinson shares first photo of baby

One Direction's Louis Tomlinson has posted the first picture of his baby boy, Freddie, on social media.

 

FREE TICKET

Free first aid demonstrations daily

Get your free ticket to the Essential Baby & Toddler Show and save $20 - register online 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.