Comparison

ING Australia Banking (Legacy) vs Pyng

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ING Australia Banking (Legacy)

Manage your finances on the go with this banking app. Access digital cards, make secure online payments, and track savings. It offers real-time payments, card management, and account balance checks without logging in.

Highlights
  • Add cards to Apple Pay
  • View cards digitally and securely
  • Dynamic CVV for online transactions
  • Round up transactions to save
  • Real-time payments (NPP)
  • Manage card PIN and limits
  • Find Bank@Post locations
Features
Read full description

Heads up! This is the previous ING banking app. Looking for Savings Booster? Savings Booster is available in the new ING Banking app. You can download our upgraded app by searching ‘ING Banking - Do Your Thing”. We're rolling it out in stages as additional products and features become available. A few things to know: Normal data charges apply. Please check with your mobile phone service provider for details. Using your mobile to bank with ING is subject to certain limitations as not all internet banking features are available. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. Australian Credit Licence 229823. You can read our Terms of Use and Target Market Determinations at ing.com.au. Got questions? Visit the ING Help Hub at https://helphub.ing.com.au

About

Pyng

This app offers a secure and cost-effective payment solution by allowing direct transactions from your bank account. It eliminates surcharges for both users and merchants, ensuring your money remains safe and under your control.

Highlights
  • Zero surcharges for users and merchants
  • Direct payment from bank account
  • Bank-level security authentication
  • Set spending limits
  • QR code payment scanning
Features
Read full description

A cheaper and better way to pay with Pyng Zero surcharges #PyngPromise - When you use Pyng, neither you or the merchant will need to pay a surcharge. Saving you a ton of money. Your money is 100% safe - Pyng is safer than a normal credit card as it’s all authenticated through your own bank account and doesn’t require you to transfer funds to us or anywhere else. Pay straight from your bank - Pay directly from your bank account giving you more control of how you spend. How it works 1. Install the app via the App Store 2. Link your bank account: Securely link your bank account through your own banking app or banking platform - you can set a limit on how much money Pyng can debit from your account at any point of time 3. Scan a QR code and it's as simple as that Your money stays safe Pyng protects your money with the best-in-class security systems that help minimize fraud. Most importantly, Pyng never touches your money - your money goes straight to the merchant reducing any risk of fraud and reducing any transaction costs.

Screenshots

ING Australia Banking (Legacy)1 screens
Pyng4 screens

Verdict

The call

The clearest difference is rating: Pyng at 4.0 against ING Australia Banking (Legacy)'s 2.5. Pyng also leads on review sentiment (50% vs 17%) and update cadence (every 9 days vs monthly). ING Australia Banking (Legacy)'s advantage is ratings volume (17 vs 4). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Pyng holds the better App Store score, 4.0 against 2.5. Both are backed by a comparable volume of ratings — 17 and 4 respectively. Written reviews point the same way: 17% of ING Australia Banking (Legacy)'s written reviews are positive against 50% of Pyng's.

UpkeepUpdate frequency

ING Australia Banking (Legacy) ships an update monthly, Pyng every 9 days. The most recent releases landed on November 1, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
ING Australia Banking (Legacy) versus Pyng: the parameters behind the verdict, then further details
ParameterING Australia Banking (Legacy)Pyng
PriceFreeFree
Rating2.5 (17 ratings)4.0 (4 ratings) — better
Positive reviews17.3% of reviews50.0% of reviews — better
Number of ratings17 — better4
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.6 — better
Further details — not scored
Size92 MB42 MB
Age rating4+12+
DeveloperING Bank (Australia) LimitedPyng Payments Pty Ltd

Customer experience

ING Australia Banking (Legacy)

All ratings17 ratings
Positive35.3%
Neutral0.0%
Negative64.7%
Written reviews612 reviews
Positive17.3%
Neutral12.4%
Negative70.3%

Pyng

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews16 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

ING Australia Banking (Legacy)

Reported bugs

5 issues
  • App crashing on login
  • Inability to access account details
  • Delayed or missing transaction updates
  • Compatibility issues with new devices
  • Unreliable app performance

Requested features

5 requests
  • Spending categorization and budgeting tools
  • Notifications for transactions and account activity
  • Ability to manage accounts and cards from the app
  • Improved search and transaction history features
  • Integration with other financial services

Pyng

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ING Australia Banking (Legacy)

No in-app purchases

None

Pyng

No in-app purchases

Questions

Is ING Australia Banking (Legacy) free?
ING Australia Banking (Legacy) is free to download, with no in-app purchases.
Is Pyng free?
Pyng is free to download, with no in-app purchases.
Which has better reviews, ING Australia Banking (Legacy) or Pyng?
Pyng is rated higher. ING Australia Banking (Legacy) averages 2.5 out of 5 from 17 ratings, while Pyng averages 4.0 from 4 ratings.
Do ING Australia Banking (Legacy) or Pyng have ads?
Neither ING Australia Banking (Legacy) nor Pyng shows ads.
Which is updated more often, ING Australia Banking (Legacy) or Pyng?
ING Australia Banking (Legacy) ships an update monthly, and Pyng every 9 days. Most recently, ING Australia Banking (Legacy) was updated on November 1, 2026 and Pyng on November 4, 2026.

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