ING Australia review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
ING Australia puts everyday accounts at the centre of banking that combines credit cards, loans, insurance and superannuation for simple money management. ING Australia serves people who want daily accounts, borrowing choices and long term savings together with app and online access and scam awareness support.
Key facts
- Best for
- Simple everyday banking with cards, loans and super together
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Legal entity
- ING Bank (Australia) Limited (Source, checked September 26, 2026)
- Headquarters
- Australia (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel, Multi-currency
- Official website
- ing.com.au
Debit cards
- Monthly fee
- A$0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- ING Bank (Australia) Limited (Source, checked September 26, 2026)
- Headquarters
- Australia (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel, Multi-currency
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediaXLinkedInTrustpilot
Pros and cons
Pros
- Simple everyday banking designed to fit around life and goals
- Bank accounts sit alongside credit cards, loans, insurance and super
- Home loans support buying, refinancing and making more of homes
- App and online banking keep accounts, payments and tools accessible
Cons
- Everyday banking centres on app and online access for management
- Protection range stays focused on home, health and injury cover
Who it suits
- People wanting everyday accounts with cards and savings together
- Borrowers planning a purchase, refinance or larger personal project
- Planners building retirement savings alongside insurance protection
Who should look elsewhere
- People seeking a specialist provider for one need alone
How ING Australia compares
Where ING Australia is available
- Available
- Australia
- Licence in Australia
- ASIC (229823), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does ING Australia offer?+
ING Australia provides bank accounts and savings accounts for everyday money goals. It also offers credit cards alongside personal loans and home loans. Insurance and superannuation complete a broad personal banking range.
Which borrowing choices are available?+
ING Australia offers personal loans for moving forward with large plans. Home loan options help with buying, refinancing and making the most of a home. A credit card choice supports different spending needs.
What insurance protection is available?+
ING Australia helps protect homes and belongings against fire, storm and theft. Health and wellbeing support includes cover for accidental injury. The focus stays on protecting what matters most in daily life.
What superannuation options does it provide?+
ING Australia supports retirement savings for people starting out or planning ahead. Living Super helps manage retirement savings for the future. Options also exist to manage self managed super arrangements.
What currency conversion fee does ING Australia charge?+
The currency conversion fee at ING Australia is 0%. (Source, checked September 26, 2026)
Which company operates ING Australia?+
ING Australia is operated by ING Bank (Australia) Limited. (Source, checked September 26, 2026)
Where is ING Australia based?+
ING Australia is based in Australia. (Source, checked September 26, 2026)
How can I contact ING Australia support?+
ING Australia offers support through Chat, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- helphub.ing.com.au/how-to/cardoverseas checked September 26, 2026
Backs: Features, Currency conversion fee
“ING Orange Everyday cardholders can use their Visa cards worldwide”
- ing.com.au checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“ING Australia, Bank Accounts, Credit Cards, Loans & Insurance”
- ing.com.au/everyday-banking.html checked September 26, 2026
Backs: Card type, Cashback rate, Monthly fee, Card network
“Orange Everyday Visa Platinum debit card”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Rewards type.