Filed under: 2026, A Bit Of Inspiration, Attitude & Aptitude, Australia, Bank Ads, Brand, Brand Suicide, Clients, Comment, Confidence, Context, Corporate Evil, Corporate Gaslighting, Customer Service, Finance, Loyalty, Management, Marketing, Marketing Fail, Perspective, Relationships, Reputation, Service, Standards
So, I have been a customer of ING Bank in Australia, for over 30 years.
THIRTY.
Given I have moved countries so often, I have had to update my country of residence many times – so when I received an email in December, asking me to ‘check my information’ for the banks legal requirements, I took it all in my stride.
Unsuprisingly, my information was – having updated it when we moved to NZ – was up to date and when I confirmed, I got a notification telling me all was good.
So imagine my surprise when in January, I received this …
I have no idea why my ‘document’ was not accepted, when [1] at the time it said it was and [2] it is the same one they have had on file for years – but I went to the website, as they requested, to provide another only to find this when I logged in.
ACCOUNT INACTIVE.
The bank, without letting me know in advance, had frozen my bank account.
Ice cold. Can’t access my money. Can’t spend my money.
What the actual fuck?!
To make matters even worse, they didn’t have any place where I could ‘update’ my information and so I found myself on hold for THREE HOURS.
Now, I appreciate there is anti-money laundering rules that need to be maintained but there’s 3 things I don’t understand.
Why did they freeze my account before asking me for other paperwork?
Why wasn’t my paperwork accepted given it has been fine for decades?
Why don’t they get their own shit in order before bullying their customers …
What do I mean by that last point?
2018 Dutch Settlement:
ING paid €775 million to settle charges with the Netherlands Public Prosecution Service for allowing clients to launder money for years, citing serious flaws in their counter-terrorism financing systems.
Systemic Failures:
Prosecutors identified instances where accounts were used for illicit activities, such as a lingerie trader laundering €150 million, which the bank’s systems should have flagged.
Regulatory Action:
The Dutch Central Bank oversaw corrective actions, and ING accepted responsibility, vowing to improve compliance.
Executive Liability:
While the large fine resolved the organizational charges, Dutch prosecutors later dropped criminal cases against former executives, including CEO Ralph Hamers, due to insufficient evidence for criminal liability, though they noted insufficient steps were taken.
2025:
ING faced new scrutiny in early 2025 over its role in a case involving former EU Commissioner Didier Reynders, with investigations into whether the bank failed to report suspicious activities related to him.
Other Jurisdictions:
ING Spain also received a fine in March 2025 for serious AML failings.
Yep, the bank that wants its customers to comply with money laundering rules has consistently failed to comply with money laundering rules … except where mine was a paperwork issue, theirs was an illegal activity issue.
Financial institutions consistently like to present themselves as ‘caring about their customers’, but the reality is the vast majority only care about themselves and their richest customers.
In that order.
Is it any surprise so many people are turning to things like bitcoin?
Sure, the risks are high but at least there’s a chance you could strike it rich whereas with so many financial institutions, they use fees, interest rates and access to keep so many exactly where they are.
Or worse.
Now I appreciate I am generalizing here.
I get many of the people who work in banks are decent people who are caught in the same situation as many out there. [And the person I dealt with at ING was very helpful and understanding … even when I took her through all of ING’s ‘mistakes]
But when people feel they are forever being spoken at, rather than listened to … there’s a point where people have as much interest in financial organizations as they offer their customers.
Which, according to a letter I received from ANZ Australia, is 0.01%.
The banking system operates on trust and confidence. What a shame those principals don’t extend to how banks see customers. Especially customers who have never done anything wrong for 3 bloody decades.
Well, ING lost one today.
Not because they wanted more paperwork from me but because they made a decision – that could have had a huge impact on me – without even discussing it with me. And if they can do that over a relatively minor issue, which – let’s not forget – their system had told me was ‘upto date’, then why would I ever believe I can trust my money is safe with them?
Filed under: A Bit Of Inspiration, Advertising, Bank Ads, Brand, Business, Comment, Complicity, Confidence, Corporate Evil, Finance
I’ve been a customer with Natwest Bank since 1987.
It was the first bank I ever had a salary put into and continues to be a bank account I use regularly, despite no longer living in the UK.
On top of this, since 1995 I’ve had the privilege of never needing to use the overdraft facility they gave me.
It’s only ever been 500 pounds, but I’ve never once needed it.
Anyway, due to some stuff we’re doing, I’ve withdrawn all but a few hundred pounds from the account over the past few days.
It is only temporary as this is the account where a bunch of different things get money paid into them … but it’s telling that on the 4 days there has been the least amount of money in it for almost 30 years [because I definitely used my overdraft when I was younger, on a monthly basis] I get this.
So despite never once going overdrawn …
Despite never once being late for a payment …
Despite never once asking them for help …
Natwest decided NOW is the time to lower my overdraft.
On one level, I shouldn’t care – I don’t use it and I’m in the incredibly fortunate position of not needing it – but there’s 2 things that bug me.
One.
It feels they’ve chosen this time because they’ve seen my balance basically disappear and fear I may be in financial hardship.
Two.
Like NIKE – who said they were always looking for ways to benefit their customers, before announcing they were pulling out of NZ – Natwest are trying to say this is for my own good.
That they’re doing ‘what’s right for me’.
What’s right for me?
More like what’s right for themselves.
Because for all their talk of wanting to be there for their customers.
… for all their claims of being there if anyone is facing financial hardship.
… for all their proclamations of wanting to be a financial partner to their customers.
You can’t help but feel they’re making sure they reduce any exposure to customer debt as is physically possible.
Not that they are in debt. Or face any risk of it.
Last year they made almost 5 billion in profit pre-tax … up a third on the previous year.
And let’s not forget the taxpayer bailed them out to the tune of 45 billion pounds in 2008.
As I said. I’m in the incredibly fortunate position of no longer needing to use my overdraft … but I know there’s lots of people who do. And if they will do this to someone who has been in credit for almost 30 years, what are they doing to those who haven’t?
The reality is, I’m fine with them reducing my overdraft limit … what I’m not fine with is their attempt to claim they’re doing ‘what’s best’ for me, when it’s painfully obvious they don’t give a toss about me.
They could have said, ‘you’ve never used your overdraft so we’re getting rid of it’.
Or ‘you’re not using it so we’re reducing it so we can provide more help to those who need it’.
Hell, they could have just kept everything the same because nothing has changed, even if my recent bank balance has.
But they didn’t do any of those things …
Instead they chose to basically bullshit so they could feed their ego and pretend they’re saviours all while making a decision designed to protect themselves from a financial situation, that they – in part – encouraged because of decisions and actions over the past few years.
Banks have an important role in society.
They could be seen in favourable terms by society.
But time and time again, their actions defy their advertising claims.
And yet they wonder why they find it hard to build trust and value with customers.
Filed under: Advertising, Apathy, Attitude & Aptitude, Australia, Bank Ads, Communication Strategy, Context, Corporate Evil, Culture, Customer Service, Loyalty, Marketing, Marketing Fail, Money, Perspective
Another day … another rant.
Whereas yesterday I went off at a brand I love/d, today is different.
It’s a bank.
Not just any bank … but a bank who once made me fly from Singapore to Sydney because they insisted they could check my passport ‘by sight’ before they released our funds for us to buy our house.
I should point out they weren’t our mortgage lender … they just wanted to make life very difficult for us and when I rang their ‘helpline’, I was told:
“No one is going to help you here”
Yes ladies and gentlemen, I’m talking about ANZ Australia.
A bank only second to my nemesis – HSBC – for terrible behaviour, which for anyone who knows the hell that HSBC put us through when we lived in China, will know this means ANZ Australia aren’t too crash hot in my opinion.
So what have they done this time? This …
Why the hell are they writing like they’re doing their customers a massive favour saying they’ll keep paying them interest – “even if you make a withdrawal or can’t make a deposit that month” – when your base rate is 0.01%.
ZERO POINT ZERO ONE PERCENT.
To put that in context, if you had AU$10,000,000 … you’d make $1,000 over a year.
Banks charge you for holding your money.
They charge you for using your money.
They close branches to give worse customer service.
They ask you to deal with your own financial issues via the internet.
They find any reason and way to be able to increase their fees.
Many got bailed out – or helped – by our tax dollars.
And then they offer you an interest rate that is so below the current rate of inflation that their ‘financial advice’ equates to literally having less money than you started with and they act like you should be grateful to them for it.
What the fuck?
Either they don’t care or they’re totally delusional.
No wonder people are open to things like crypto … because however much of a risk it is, at least there’s a chance – however small – you may get something out of it, which 0.01% is not going to offer.
Seriously ANZ Australia … stop taking your customers for fools.
As the old adage states, ‘action speaks louder then words’ and your actions continually reinforce you’re about the money not the service. And you know what, I think everyone would have a better opinion of you if you just owned up to that.
We need you and you will charge us for that privilege.
I get it. And – ironically – I’d think more of you for doing that than this ‘helpful and considerate’ tone you’re trying to present. Or even more bizarrely, maybe believe.
I get no one wants to admit they’re an asshole, but regardless what your ‘brand tracking’ and focus groups say, most people think you’re a great dump of calculator catastrophe.
Filed under: A Bit Of Inspiration, Attitude & Aptitude, Bank Ads, Business, Customer Service, Emotion, Empathy, Finance
This has been a week of big posts. And tomorrow is going to be mega-big … as I’m going to be away for a couple of weeks and given there’ll be no posts, I have a lot of stuff I need to bang on about before I get on that plane.
I know … I know … the thought of that fills you with dread [me too, to be honest] so to make us all feel ready for that nightmare situation, I thought I’d write something a bit smaller … a bit lighter. Albeit it revolves around identify theft. Specifically mine.
You see a few weeks ago, I received this:
It was real.
Apparently someone had got hold of my NZ Credit Card details and was attempting to buy stuff with it in the US. Specifically DoorDash food.
Personally, if someone is going to steal credit card info, you’d think they’d spend your cash on something massive and ridiculous … and certainly not something where you can easily trace where they are by simply following where their food is being delivered. I’m almost insulted to be honest. I remember the good, ol’ days where my credit cards were used to buy computers at Apple in NY and – best of all – tickets for the Orient Express.
But I digress … because in this situation, the bank noticed straight away and shut any spend down before they could go to extravagant.
So far, so good.
Understandably they wanted me to call them to confirm information … so I was just about to dial when I noticed their fraud departments ‘opening hours’.
I must admit, my first reaction was that it felt a bit strange.
Surely a fraud department would be open 24/7? Ready to respond.
But no.
Worse, as all this happened at 9:30pm on a Friday evening, I was in financial no-mans-land.
To be fair, when I called them the next morning, they were very helpful – but then they informed me that my card was now blocked forever and it would take approx 5 working days to get sent a new one.
Five days.
And just as I was about to plead with them to speed it up, I suddenly realised that this meant I wouldn’t be able to buy any more wifi/gadget trash off instagram. Given in the previous week, I’d purchased an ‘ink stamp’ of my cat, a wi-fi/automated Rubik’s cube and 500 stickers of Nottingham Forest … this was an act of mercy.
Which leads me to this.
Banks have a bad reputation.
A lot of it is entirely justified.
But sometimes – just sometimes – you feel they’re actually being proactive and it feels shocking. Good shocking … but still shocking. Maybe they should try it more often, they may be amazed what it does for their reputation and loyalty.
Filed under: 2020, 2023, 2024, 2025, 2026, A Bit Of Inspiration, Advertising, Advertising [Planning] School On The Web, Agency Culture, Anniversary, Aspiration, Attitude & Aptitude, Australia, Authenticity, Bangkok Shakes, Bank Ads, Bassot, BBH, Billionaire, Birkenhead, Birkenstocks, Birthday, Black Lives Matter, Bonnie, Brand, Brand Suicide, Brian Clough, British, Business, Campaign Magazine, Canada, Cannes, Career, Cats, Chaos, Charinee, Childhood, Children, China, Chris Jaques, Clients, Clothes, Colenso, Collaboration, Colleagues, Comment, Community, Complicity, Confidence, Conformity, Content, Context, Contribution, Corona Virus, Corporate Gaslighting, Creativity, Culture, Curiosity, Cynic, Dad, Daddyhood, David Terry, Death, Deutsch, Din Tai Fung, Disney, Distinction, Dog, Dolly, Dream Bigger, Dream Small, Dysgraphia, Education, Egovertising, Embarrassing Moments, Emotion, Empathy, England, Entertainment, Experience, Family, Fatherhood, Fear, Football, Freddie, Freelance, Friendship, Fulfillment, Gaming, Goodbye America, Goodbye China, Goodbye England, Goose Fair, Government, Grand announcements, Happiness, Harmony, Headers, HHCL, Holiday, Home, Hong Kong, Hope, HSBC, human_2, Imagination, Immaturity, Important Birthdays, India, Innocence, Innovation, Insight, Internet, Interviews, Italy, Japan, Jaques, Jill, Jillyism, Jorge, Katie, Kev, LaLaLand, Leadership, Linkedin, Logic, London, Love, Loyalty, Luck, Luxury, Management, Marcus, Marketing, Marketing Fail, Marketing Science, Martin Weigel, Maya, Mediocrity, Mental Health, Metallica, Michael Jordan, Michael Mann, Miley, Mr Ji, Mum, Mum & Dad, Music, My Childhood, My Fatherhood, Netflix, New Zealand, NHS, Northern, Nottingham, Nottingham Forest, Nurses, olympics, OnStrategy, Otis, Parents, Paul, Paula, Pearl Jam, Perspective, Photography, Planes, Planners, Planning, Point Of View, Police, Popularity, Prams, Prejudice, Pretentious Rubbish, Pride, Process, Professionalism, Queen, R/GA, Relationships, Relevance, Reputation, Research, Resonance, Respect, Rick Rubin, Rockstar Games, Rodi, RoObin, Ros, Rosie, RulesOfRubin, Shanghai, Shelly, Si Vicars, Silvana, Singapore, Sport, Spotify, Starbucks, Steve Jobs, Strategy, Stubborness, Stupid, Success, Sunshine, Sydney, Taboo Categories, Talent, Tattoo, Technology, The Kennedys, The Kennedys Shanghai, Toxic Positivity, Uncorporated, Virgin Atlantic, Viz, Wedding, WeigelCampbell, Wieden+Kennedy
Yes, it’s Friday.
And yes, it’s the first of May.
But neither of those things are as incredible as this …
You see, on Sunday, it will be 20 years since I started this blog.
TWENTY BLOODY YEARS!
That’s before the iPhone.
And Android.
And Facebook.
And the Kindle.
And the financial crisis.
And before Pluto lost its planet creds.
AND BEFORE WI-FI WAS PUBLICLY AVAILABLE … so a very long time ago.
I still remember why I started it …
It wasn’t for any attempt for notoriety or popularity, it was more to do with survival.
You see I’d got a job that – frankly – I was woefully under-qualified for, and because it demanded so much of my time and energy to make sure I didn’t completely fuck it up, I needed an outlet for all the ideas and thoughts that were going around my head that I just didn’t feel were right for what I needed to do at that time.
Not because I was sure I was going to use them later … more because I needed to feel I was still connected to the stuff I loved while also believing that if I didn’t find a way to get them out of my head, they’d maybe be no more space left for anything new to enter my head.
And so this blog was born.
Reading through the first few posts not only reveals the times we were living in, but also the headspace I was in.
Trying to balance making sense of stuff happening around me while also needing an outlet for stuff I was feeling or thinking … which, in many ways, set the tone for how this blog has been for over 2 decades.
Which George recently described as, “the blog version of TK Maxx”.
He’s not wrong … and in some ways, I really like that.
Sure, among the almost 5000 posts I’ve written, there’s a lot of [to keep the TK Maxx analogy going] cheap and nasty shit in there … but there’s also a few ‘designer label’ gems hidden amongst it all.
At least for me.
Stuff that made me think, challenge or question stuff in ways that I had not imagined or considered before.
Stuff that ended up impacting how I did things and how I still do things.
Stuff that forced me to articulate what I believe, not just what I feel.
Maybe those posts meant nothing to anyone but me. Hell, maybe no one even read them. But while every post I’ve written reflects something about who I was – or am – those ‘self-defined gems’ have a special place in my heart because they represent a moment where I felt I was growing and learning.
It’s why I always enjoyed the comment section, because for all the overwhelming piss-taking I received, the vast majority always ‘encouraged’ me to look deeper, wider or longer at issues I’d written about. And I loved that. I loved how the people who commented always kept me on my toes … which is why one of the unexpected pleasures of writing this blog for so long has been seeing how my opinion on certain subjects has changed or evolved over the years. It’s served as a great reminder about the importance of always exposing yourself to others perspectives, opinions, experiences and standards, even if the goal of it is simply to be really sure about what you think or believe.
In many ways, that’s the biggest surprise of 20 years writing this blog.
I never expected anyone to comment on anything I wrote, because I started it just for me.
A private place to express my thoughts and idiocy.
But then Andy discovered it and he sent an email to everyone at Cynic and some of our clients announcing it and then the mayhem started.
At that point, blogging had become a big thing. A good thing. A community of people who wanted to help and contribute to what others were doing. A lot of this was down to the great Russell Davies and his iconic blog … a place that not only brought people from all over the world together, but inspired others to start writing their own as well.
It was a place that not only exposed me to a lot of brilliant people I’d never have known about without his blog – people like Gareth Kay, Paul Colman, Northern Planner, Rob Mortimer, Marcus, John Dodds, Lauren, Age to name but a few – it also brought people to my blog who helped add to the texture, lessons and perspectives I was writing about.
I will forever be grateful to Russell for that … especially as most of the people he inadvertently introduced me to, not only still exist in my life but I have met them all IN THE FLESH.
Alas the blogging community, like most things in life, has moved on with maybe only Martin and I still churning stuff out via that platform. [Well, he curates, I churn] And while technologies advances allows strategists to be even more connected in even more ways, the energy of the community is not the same as it was back in the early days of blogging.
Now it feels more aggressive.
More sharp elbows and self publicizing.
Wanting the spotlight on them rather than the work they do.
But then, the industry seems to value those who talk about the work more than those who actually make it … which kind-of highlights why the industry is in the state it finds itself in but refuses to acknowledge.
Emperor’s New Clothes anyone?!
Screenshot
That this blog is 20 years old blows my mind. I never thought it would last that long, mainly because I never gave much thought about how long I’d be writing the thing. It’s not always been fun – when I was receiving a lot of anonymous hate that resulted in me deciding to stop allowing comments was definitely a low point – but all in all, the whole experience has been pretty glorious.
In many ways, this is one of the longest committed relationships I’ve ever had.
And one of the most successful, hahaha.
The fact there are some people who have been reading it for almost as long as I have been writing it, is madness.
Have they no taste?
Have they got nothing better to do?
Or maybe they’re stuck in prison and this is part of their ‘sentence’.
The good news for them is there’s no way this will still be a ‘going concern’ in another 20 years … at least not in terms of how regular I’ve been writing posts for the past 2 decades. Not because I am running out of things to say [albeit Andy said I have only ever written 3 posts and just keep re-writing them in different ways] but because I’ll be – hopefully – doing other things with my life.
Don’t get me wrong, I’ll always be grateful to advertising … it has given me a life I never could have dared to imagine … but I am increasingly spending more and more of my time working and collaborating with artists and I feel that’s where my future may be. Not because I don’t love what I do, but because I find their definition and expression of creativity even more interesting, challenging, open, provocative and progressive than where our industry is choosing to head.
But that’s not going to happen yet. Hell, it may not happen at all – I could get fired by all the artists tomorrow for all I know – which is why for the time being, I’ll keep happily juggling my two ‘lives’ while churning out daily blog posts at the same time.
Sorry, hahaha.
That said, the point of continuing this blog is different to what you may think and why I originally started it.
Because while it has helped me grow, learn, make new friends and even help build my professional reputation [which is hilarious when you read some of the stuff I’ve churned out, like this!] … it delivers something that is even more important to me.
Connection to my family.
I know … I know … that sounds weird-as-fuck, but what I mean is this:
A few years ago, Jill said that while she rarely ever reads my blog, when she does – she can hear my voice because of the way I write.
Put simply, how I write is how I talk … so when she reads my posts, it feels like I’m with her.
And she liked that.
Add to this that I’ve shared deeply personal and important moments in my life – from getting engaged to getting married, to Mum dying, to becoming a Dad, to getting Rosie – and Bonnie – to saying a tearful goodbye to Rosie, to moving from Singapore to HK to China to America to London to New Zealand [so far] … which means moving from cynic/WPP to Sunshine to Wieden+Kennedy to Deutsch to R/GA to Colenso [not to mention all the other highs and lows that have impacted or been introduced to my life over this period, be it death, covid, friends, family, health, books, chaos, and/or multitudes of weird, wild, crazy shit] … and this blog is no longer just a place where I rant rubbish, it’s a place my family can have me close even when I’m no longer here.
That means a lot to me.
Not because I want them to need me, but because I like knowing they can access me should they ever need me.
Or if Otis ever wants to introduce me to whoever becomes important in his life.
It’s why I’m going to keep writing it and why I’m going to move it to a free domain again, to make sure it always stay up … because what originally was a place just for me, has become a place that offers connection to the most important people to me.
And with that, I want to say a big thank you to everyone who has ever visited or commented.
Whether you meant it or not, you’ve given me far more than I ever imagined or hoped for.
Thank you. Love you. Grateful for you.