ING to Stop Refunding 3rd Party ATM Operator Fees

aub on 19/09/2025 - 18:24
Last edited 19/09/2025 - 19:53 by 2 other users

Got this from an email from ING:

From 15/10/2025, all Orange Everyday customers will automatically get access to 1% cashback on eligible utility bills (T&Cs apply), $0 ING international transaction fees, and $0 ING international ATM withdrawal fees - all without needing to meet any monthly eligibility requirements. For domestic ATM withdrawals, there will continue to be no fees charged by ING, but third party operator fees will no longer be rebated.

Existing Orange Everyday benefits will continue to apply up until 14 October 2025 for customers that met the eligibility criteria in September 2025, as well as eligible home loan customers.

A bit disappointing. But at least the big4 aren't charging operator fees anymore.

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  • jv on 19/09/2025 - 18:31
    -1

    for third party operators…

    • aub on 19/09/2025 - 18:32
      +3

      Yes, which is "any ATM that isn't ING branded."

      • jv on 19/09/2025 - 18:33
        -2

        are you sure they don't just mean the private atms? ie. non-bank

        • KangaDrew on 19/09/2025 - 19:00

          No, @aub is correct. Any ATM that's owned or operated by another bank or by an independent provider (not ING) is considered a third-party operator.

          • jv on 19/09/2025 - 19:01
            -2

            @KangaDrew: Then what is a second-party operator?

            • KangaDrew on 19/09/2025 - 19:05
              +10

              @jv: There is no second-party "operator".

              First-party is the customer.
              Second-party is the bank.
              Third-party is anyone else involved in the transaction process or provides other services.

            • freefall101 on 19/09/2025 - 19:07
              +2

              @jv: You are, as the meat popsicle operating the ATM.

  • McMaferMur on 19/09/2025 - 18:48
    +2

    So, dont use those black box called atmX??? And those inside pubs (together with TAB options)

    • KangaDrew on 19/09/2025 - 19:15

      It's every ATM in Australia - not just privately owned ATMs.

      • McMaferMur on 19/09/2025 - 19:23

        Ok so just stick to big 4 banks then?

        • KangaDrew on 19/09/2025 - 19:53
          +1

          Correct. Since the big four removed fees being charged to customers of other banks using their ATMs, you're good to go with free withdrawals providing you're using an Australian debit card.

    • Dr Phil on 20/09/2025 - 11:48
      +1

      Just dont use ING.

  • c64 on 19/09/2025 - 19:05
    +5

    enshittification begins, inspired by NAB's lead

    • KangaDrew on 19/09/2025 - 19:08
      +4

      enshittification begins

      continues

      FTFY

    • bargaino on 21/09/2025 - 19:28

      What? i don't see the problem. Plenty of bank ATMs, why subsidise people using those rip-off machines?

  • st1ng on 19/09/2025 - 19:09
    +1

    I hope Macquarie don't follow ING. Outside big shopping malls (which I tend to avoid), all the ATMs nearby are ATMx or Next branded.

    • timhn on 20/09/2025 - 12:10

      There is a long list of banks that can withdraw without fees from ATMx.

  • JIMB0 on 19/09/2025 - 19:47
    +2

    Probably because of the machines that abused it by charging an excessive fee while offering an incentive to use them.

  • Gdsamp on 19/09/2025 - 19:49

    Hahaha

  • CheapCookie on 19/09/2025 - 20:31
    +3

    Updated my weekly salary payment to Macquarie 3 weeks back after being with ING for around 7 years.
    Real smooth brain behavior on ING's part with all these changes that screws over "loyal" customers like I was, use to recommend them all the time, not anymore…
    And they are handing out incentives left, right and centre to bring in new customers when they can't even hold onto the ones they already have, it is comical.

    • soan papdi on 20/09/2025 - 00:18
      +1

      I’m with ING for 18 years. I’m a bit sad actually but I’ll move to mac in a few months

      • McMaferMur on 20/09/2025 - 00:26
        +1

        But but…. 4.8 vs 4.25

        • soan papdi on 20/09/2025 - 01:35

          Only everyday orange for me, never used their savings product. Still, a bit sad

      • CheapCookie on 20/09/2025 - 06:43

        Same a little sad about it as well.
        But I'm honestly enjoying the changeover to Macquarie.
        ING's banking app is primitive in comparison to Macquarie, and I also like Macquarie's 2 step authenticator for transferring payments, feels more secure.

        • McMaferMur on 20/09/2025 - 07:47

          Except we need to use their authenticator not any

          • CheapCookie on 20/09/2025 - 09:11

            @McMaferMur: Genuine question.
            Are there other banks that allow you to use your own authenticator app?

          • soan papdi on 21/09/2025 - 09:38

            @McMaferMur: It’s inconvenient but surely not a deal breaker, is it?

        • Mugsy on 21/09/2025 - 10:06
          +2

          Macquarie is the only bank authenticator app that allows for the authenticator to be on more than one device too.

          To the uninitiated it sounds insecure. However, when logging into a new device, you will need to use an existing authenticator to authenticate the new authenticator. So scammers cannot add it even if they know your login.

          It also means you can setup a few back up installs of the authenticator in case your main phone is lost. An old phone is handy for this for those who don't have a secondary phone. As are android emulators on PC or one's tablet.

    • hughes on 20/09/2025 - 08:35
      +1

      removal of 5 monthly transaction requirement is good. more like a travel debit card now. been with them for 15+ years haven't been using it for the last 7 or so years but will bring it on my next overseas trip

      • CheapCookie on 20/09/2025 - 09:12
        +1

        I do see the value there for people who travel overseas.
        Good point.

        • McMaferMur on 20/09/2025 - 09:13
          +1

          But Macquarie also good for travel plus free dometic atm.

          • hughes on 21/09/2025 - 18:33

            @McMaferMur: it's still free at big4 ATMs according to poster in another comment. i rarely carry cash thesedays.

      • soan papdi on 21/09/2025 - 12:55

        Literally no other bank had international ATM rebate (even if limited to 5 per month). Now it's of no better than Up/UBank/Macquarie as a travel card.

  • Darude Sandstorm on 20/09/2025 - 07:06
    -3

    I swear ATM chargers were outlawed some time ago for banks, maybe I'm (retadcted)

  • paul02 on 20/09/2025 - 07:21
    +1

    Oh well, means ING customers during open hours can withdraw money from Australia Post or Woolworths Coles machines which have no fees.

  • samyall on 20/09/2025 - 08:19
    +1

    Thats annoying. I really liked ING for their ease of use overseas and an occasional ATM visit.

    Are there any other banks now that can fulfil my needs of a debit card for ATMs, overseas and anywhere AMEX is not accepted?

    • McMaferMur on 20/09/2025 - 08:21

      One particular bank has been mentioned alot above so maybe that

      • samyall on 20/09/2025 - 08:29
        +1

        Yeah looks like Macquarie might be the way to go.

  • funkyblue on 20/09/2025 - 10:17

    Sorry but I left ING years ago when they kept completly failing. Opened my first account in Year 10, 2002. Moved to Up. Everything is becoming shit.

  • Mugsy on 20/09/2025 - 10:40

    Yeah, the email went out (at least for me) 1-2 weeks back IIRC.

    For the debit cards in my wallet, I have been with HSBC (for the 2% cashback) and Macquarie (for the rebated ATM withdrawals) for a while but since fully offsetting my home loan, I now have a use for saving accounts again.

    I actually just rejoined ING for their ongoing market leading interest rate following ubank's changes. Figured I may as well accept dealing with hoops and replace my Macquarie debit card with ING's as the other debit card in my wallet as I felt comfortable with limiting my ATM withdrawals to 5 per month (to keep it free) and have the benefit of a card that supports bank@post in my wallet at all times.

    And they make this change the day I got my debit card!

    However, I've managed to figure out a few ways I can achieve the 5x card transactions per month online. The $1k deposit is easily achieved online and I'm doing the flip flop for satisfying the growth requirement but also being able to take funds out.

    So I continue to keep HSBC and Macquarie in my wallet.

    • hughes on 21/09/2025 - 18:40

      5x card transactions per month online. The $1k deposit

      monthly criteria will be removed

      • Mugsy on 21/09/2025 - 19:32

        Are you saying i will get my 4.8% interest if i don't jump through the hoops?

        • hughes on 23/09/2025 - 23:12

          i think you still need to do it for the bonus interest. i was going off what was in ING's email which doesn't mention that part

  • McMaferMur on 21/09/2025 - 11:01

    Wait so this has nothing to do with the saving account 5 tap requirements and balance growth?

    • timhn on 21/09/2025 - 15:09

      No, just about ATM fee.

  • ATTS on 21/09/2025 - 12:19

    To get 1% cashback on utility bills we need to pay with the ing card?

    • ATTS on 21/09/2025 - 12:19

      Is there other requirements also like a set balance?

    • aub on 21/09/2025 - 22:53

      I get it when I pay with bpay. Not sure how they classify something as a 'utility bill' though.

      • ATTS on 22/09/2025 - 08:58

        Thanks man

      • McMaferMur on 22/09/2025 - 09:21

        hmm wondering if direct debit utilities like water bill will qualify too?

        • Mugsy on 27/10/2025 - 01:26

          From the 'important information' section on the utilities cashback page:

          "1% cashback on eligible utility bill payments, up to $100 per Orange Everyday, per financial year. An eligible utility bill payment is a payment made by BPAY, direct debit (BSB and account number), or PayTo from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residentialaddress of the account holder. "

          Source: https://www.ing.com.au/everyday-banking/utility-bill-cashbac…

          Check that the supplier is on ING's database on that webpage above.

          Just paid my water rates using ING for the first time and got the cashback immediately. The ~$4 I got back will be more than the interest I'd get from leaving that ~$400 in my HISA for another month and paying by credit card so this is definitely the preferred option.

  • wako on 09/10/2025 - 20:01

    Well another card bites the dust.. will keep just for travel then and occasional overseas purchase…

    I rarely take out cash but kept this card for the occasional times I did…

  • Wolfhound on 17/10/2025 - 12:19

    is there any bank cards now that do a third party operator fee rebate for withdrawals?

    either the cheeky casino atm withdrawal or some random third party (other than the atmx ones) atm?

    • jimbobaus on 29/10/2025 - 13:52
      +1

      Macquarie Bank rebates all ATM fees
      WIth no Hoops and no limit… EVERY atm withdrawl is FREE

      • movieman on 08/11/2025 - 22:38

        Australia only, or international ATMs also?

        • Mugsy on 09/11/2025 - 07:22
          +1

          No need to ask about rebating international atm fees. No Australian bank does it anymore and the only one that ever did was ING.

          Rebating of domestic ATM fees has become scarce too. We've had AMP, ME bank and ING stop offering it with new accounts and you'd be lucky to have an old account that offers it if they haven’t moved you on already. Macquarie is the last bank to do it still.

    • tenpercent on 08/11/2025 - 22:50

      the cheeky casino

      Is that the name of a gambling establishment?

  • Alrightm8 on 18/10/2025 - 11:54

    Not sure if it's targeted, but I received an ING email yesterday, apparently I no longer need to deposit $1000 and make 5 transactions a month to unlock specific benefits, e.g. Those ATM fees both domestic and international.

  • jimbobaus on 29/10/2025 - 13:51

    But at least the big4 aren't charging operator fees anymore.

    Good luck finding one…. CBA has sold all their atms to Armorgaurd, only branches have branded ATMS now

    NAB ATM network is now owned by Red ATMS

    Westpac/BOM are only at Branches, (were at 7-11 but 7-11 made decision to remove all ATMS from stores from Jan 2026, instread offering cash withdrawls up to $100 over the counter without purchase)

    ANZ ATM network is the smallest its been in decades, they clsoed or retired over 2000 ATMs at end of 2024

    • tenpercent on 08/11/2025 - 22:52

      CBA has sold all their atms to Armorgaurd, only branches have branded ATMS now

      And they've closed over 354 branches in the past 5 years.

  • jimbobaus on 29/10/2025 - 13:54

    I left ING for Macquaire last year and have never been happier
    ING wont get my biz anymore, in many ways they are worse than the big banks

    I suspect they are losing customers at such a rate they have made these changes to try and stop the churn

    • Mugsy on 29/10/2025 - 14:59

      We did the same thing for mum and dad a few years back.

      ING's hoops were getting tedious but the straw that broke the camel's back was when Dad's ING debit card was stolen overseas. The card has his client number on it and that client number is the web banking login username. ING wouldn't change his client number. Security of savings is important so Dad left for Macquarie who has probably the best authenticator app for banking that I've seen. Lack of hoops has also been great.

      In saying that, both Dad and I have recently rejoined ING:
      1. the changes to hoops for the debit card makes it a pretty good choice for a replacement VISA debit card to the ex-Citi NAB Classic for mum and dad's international travels
      2. The ING app has all the functions Dad needs to facilitate travel easily (he hates calling banks or typing in chat so having a dedicated function to lodge travel suits him). The app has a pretty simple GUI so is easy for him to use.
      3. I bit the bullet and accepted that ING is the market leader for HISA interest rates. The monthly flip flop allows me to continue taking funds out when I need them.
      4. A drawback of the Macquarie debit card (and even the HSBC everyday global debit card we use for 2% cashbacks) is lack of bank@post support. Still good to keep ING around for that.
      5. The 1% utilities cashback is more than what I'd get for the same money being left in my savings account for another month.

  • jimbobaus on 31/10/2025 - 12:41

    Bank at post is launching for Mac in January :)
    But yeah i can see ING has some perks, but i do not trust them to not take them away
    This is ING's form….they do things to gain customers then take them away when they feel like it and without explanation.

    The ING savings account still has hoops for the High Interest which is why i am still not interested in them
    they have only changed the rules around the transaction account

    • Mugsy on 31/10/2025 - 14:28

      When did Macquarie announce the inclusion of bank@post for their debit card? Just did a google search and cannot see any announcements.

      As for ING's hoops, for most part I hate it but have decided that ING are the market leaders for HISA rates still so I'll trial dealing with the monthly hoops. So far I've gotten it down to ~5min to jump through all the hoops on the first day of the month. And that's including the monthly flip flop so I can get cash out when ever I need to. Pretty easy task whether on the bus ride to work or sitting on the toilet.

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