ING Australia review

The everyday account card has a monthly fee of AUD 0, quoted in Australian dollars, and the site median for the field is €0. Monzo Flex lists £0, Wise £0 and Bitpanda €0, so on the monthly line alone this card sits level with the field.

The card charges 0% as its currency conversion fee, and the card is marketed for travel and multi currency spending. The site median for the same field is 1%, while the highest conversion charge on record is 10.5%, so this card sits well below the field on that line.

It is a debit card on the visa network, so the money comes straight from your bank balance rather than a prepaid balance you top up. Debit is the most common card type in this comparison, at 73.4%, and Visa leads the network field at 57.6%.

The everyday account card pays cashback at a rate of 1%. Monthly fees elsewhere in the comparison are level, with Monzo Flex at £0 a month, Wise at £0 and Bitpanda at €0, so the cashback rate and the travel and multi currency spending features are what tell this card apart.

Support runs on chat, phone and help centre: live chat, phone and the help centre, and a card blocked while travelling is handled through these routes. Most of the field also has a help centre, at 79.6%, and phone support at 44.7%.

ING is based in Australia, and the account is built around Australian banking, so Australian residents are the audience this card serves. The card itself is a debit card on visa, and the travel and multi currency spending features are aimed at the same customers.

On the two lines this comparison tracks, the four come out level. The monthly fee is AUD 0 for ING, £0 at Monzo Flex, £0 at Wise and €0 at Bitpanda, and the comparison places it 1 of 379 on the monthly line and 1 of 237 on the conversion line.