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ING DIRECT began operating in Australia in 1999. By doing business online, over the phone and through intermediaries, ING DIRECT keeps it overheads low and passes the savings onto customers in the form of competitive rates. Today, it has grown to become Australia’s fifth largest retail bank, with $21 billion in deposits, more than $37 billion in loans and around 1.4 million customers. ING DIRECT pioneered branchless banking in this country. By doing business online and over the phone, we keep our overheads low and pass the savings onto our customers in the form of competitive rates. While we like to do things differently, ING DIRECT holds an Australian banking license, all our deposits are guaranteed by the Australian government and our operations are regulated by the Australian Prudential Regulation Authority, a Federal Government regulator.