I only used ING two separate years, one as a student and another as a Dutch resident, and everything worked as expected, no issues at all. They have the monthly fee, which is the reason why I can't give them 5 stars, but appart from that, all good.
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ING Nederland. Alles om jou vooruit te helpen. Zodat jij kunt doen wat je belangrijk vindt. Persoonlijk contact opnemen? Kijk op ing.nl/contact voor de mogelijkheden.