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Cancel ING
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Cancellation service #1 in South Africa
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Ing service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Ing: Step-by-Step Process
What is Ing
Overview
Ing is a digital banking brand known for online savings, transaction accounts and lending in the markets where it operates.
It primarily serves customers through apps and web banking rather than branch networks.
Availability in South Africa
As of 2024 - 2025, there is no local, ZAR-denominated ING retail banking plan or branch network in South Africa.
If you hold an ING product, it is likely issued by ING in another country (for example, Australia or European operations).
How to cancel Ing
Before you start
Identify which ING product you want to cancel (account, card, loan or subscription) and the country where it was opened.
Gather your account number, customer ID, and any contract or agreement documents to speed up the process.
Step-by-step cancellation
- Contact ING via the official secure messaging in your ING app or online banking and request cancellation.
- If you cannot access online messaging, call the ING customer centre for the country where your account was opened.
- If telephone or in-app cancellation is not possible, send a signed written request by post to the issuing ING office (use the address on your statements).
- Follow any instructions ING gives for returning cards, paying outstanding balances, and closing linked services.
What happens when you cancel
Access to funds and services
Access to the account and online banking will usually be disabled after the closure date specified by ING.
Funds may be returned to a nominated external account or issued as a cheque, depending on the issuing country’s procedures.
Renewals and data
Recurring payments and direct debits linked to the account will need to be cancelled or redirected by you.
ING will retain transaction records as required by law in the country of issuance; request a copy if you need historical statements.
Will I get a refund?
General refund policy
Refunds for account fees, unused services or subscription charges depend on the product type and the terms of your agreement with ING.
There is no single global refund rule; ING follows the terms applicable in the country where the product was issued.
Exceptions and how to request refunds
- If you believe you are due a refund (fees charged in error, cancelled product credits), contact ING through secure messaging with supporting documents.
- For disputed transactions, follow ING’s complaints process and keep copies of correspondence.
- For third-party refunds or chargebacks (merchant disputes), use the card dispute process provided by ING in the issuing country.
For general guidance on refunds and consumer recourse, third-party resources can be informative. For example: Refund guidance.
Ing plans and pricing
Pricing summary
No ZAR-denominated ING plans or South Africa‑specific pricing for 2024/2025 were identified in available sources.
If you require precise fees for a specific ING product, contact the issuing ING office or your account support channel.
Contact for exact fees
Use your ING app or account statements to find the issuing country’s contact details for fee schedules.
| Plan | Period | Price (ZAR) |
|---|---|---|
| Personal account / Transaction account | Per statement period | Contact for pricing |
| Savings account | Per statement period | Contact for pricing |
| Credit card / Debit card | Per statement period | Contact for pricing |
Your consumer rights in South Africa
Applicability of South African law
If the ING product was issued outside South Africa, South African consumer protection laws may not directly apply to the issuer.
However, South African residents still have rights when a South African merchant or intermediary is involved.
Key South African protections
- Consumers have rights under the Consumer Protection Act for unfair or misleading practices by local merchants.
- Payment disputes with South African banks or merchants can be escalated to the Banking Ombudsman or the National Consumer Commission where applicable.
- For cross-border financial disputes, consider legal advice or the regulator in the issuing country.
Customer experiences
Reported positives
Customers commonly praise ING for user-friendly digital banking, clear online statements, and competitive interest rates where available.
Many appreciate fast account setup and responsive in-app support in markets where ING operates locally.
Reported issues and reviews
Some customers report delays or complexity when dealing with cross-border closures or fee disputes for accounts opened abroad.
For a range of user reviews and experiences, see community feedback such as: customer reviews.
Documentation checklist
What to prepare
- Account number, customer ID and the full name on the account.
- Copies of recent statements showing balances and transactions.
- Signed written cancellation request if required by the issuer.
Optional supporting documents
- Proof of identity (passport or ID) matching the account details.
- Proof of a nominated external account for fund transfers (bank statement or confirmation).
- Correspondence with merchants or proof of disputed transactions if seeking refunds.
Common mistakes
Assuming local support
People often assume ING will have local South African branches or local ZAR‑priced products.
This can lead to delays when trying to resolve issues that must be handled by the issuing country’s support team.
Neglecting redirect of payments
Failing to cancel recurring payments or update direct debits before account closure can leave unpaid obligations or bounced transactions.
Always cancel or re-route recurring payments and check for scheduled transfers prior to closure.
Comparative recap
Key comparison points
The table below summarizes high-level differences between holding an ING product issued abroad versus local South African banking options.
Use this to decide whether to close an ING product or move services locally.
| Feature | ING (issued abroad) | Local South African bank |
|---|---|---|
| Local ZAR pricing | Usually no (Contact for pricing) | Yes |
| Local branch support | No (digital support, issuing country) | Yes |
| Cross-border issues | Possible extra complexity | Typically simpler |
After cancelling
Immediate actions
Confirm closure in writing and keep the confirmation for your records.
Arrange transfer of any remaining balance to a nominated account and obtain a final statement.
Where to get more help
- If you need refund guidance or third-party assistance, see: Refund guidance.
- For community feedback about ING services, see user reviews: Customer reviews.
Address
ING issuing office (example)
ING Bank Australia (example address used where applicable):
GPO Box 2862, Sydney NSW 2001, Australia
Finding the correct address
Use your account statements or the ING app to locate the correct postal address for your specific product and country of issue.
If in doubt, contact ING through the secure channel inside your online banking before sending documents by post.