Just like to add that I find ING Direct an absolute pleasure to deal with, I was wanting to setup a term deposit (their 3 month term rate is not too bad for such a short period of time) and was unable to because it had my old AU mobile number registered to it which no longer works. Anyway they don't support using an international number for the SMS code, no big deal so they're going to send me out a token. In total to process that, setup the new account, etc. took a touch under 10 minutes and even better was the lady was very easy to understand and there was no miscommunication. Given it's out of business hours in Australia, that's fantastic! I was expecting an Indian call centre. 2 thumbs up!