ING Australia

ING Australia is known for online-first banking, especially the kind of accounts and savings products people want when they do most things through an app and do not want to keep visiting branches. By our assessment, its strongest point is that digital focus: the service is built around simple account handling, transfers and savings, not around a big branch routine. The trade-off is obvious enough for a bank like this — less of the old-fashioned in-person feel and less usefulness for anyone who wants a branch on every corner. In practice it tends to suit people who are comfortable doing nearly everything on a phone or laptop. Among Australian banks it sits closer to the lean, direct end of the market than to the branch-heavy traditional end. ING Australia is an Australian bank, and its whole shape is geared to low-friction everyday banking online.