ING Australia has racked up record customer growth in the first nine months of the year, including a 50 per cent jump in primary bank customers. At a lunchtime update for local media in Sydney yesterday, ING Australia's CEO, Uday Sareen, said that after spending most of its 18 years in Australia as a secondary bank, ING had started pushing relatively recently, and now more than 350,000 customers call ING their main bank.  (In this instance, the definition applies to customers with an Orange Everyday account plus one other account with ING, and who have made salary contributions of at least A$1,000 a month into their transactional account for three or more months) Sareen was also very bullish on the need to rebalance the capital risk weighting models in a way that would lead the internal risk model and the standardised model to converge - especially for a loan book primarily made up of conservatively managed owner-occupier loans.In the past year, ING has seen nine per cent growth in its mortgage book (against around 6.5 per cent for system growth) and deposit growth approaching 12 per cent (APRA stats show system growth of six per cent). ING has about three per cent of the total mortgage market, but is skewed towards owner occupier loans (3.6 per cent of the national total) over investor loans, when ING accounts for less than two per cent of all such loans. The bank also reported an all-time high of 300,000 new Orange Everyday accounts in the first eight months of the year. This takes the total number of Orange Everyday account holders to 770,000, more than doubling the number of Orange Everyday accounts opened in 2016. Sareen was keen to emphasise how hard the bank is trying to counter moves by much larger banks to enter the digital online arena.                                    "This year we were one of the first banks to launch Apple Pay in Australia and we launched the Orange One credit card to existing eligible customers. The card comes with easy to use features such as managing big purchase payments over set terms that the customer chooses, rather than in one go," he said. Earlier this month ING launched Everyday Round Up, a digital savings tool designed to strengthen the bank's primary relationships with customers. Within a week of launch almost 40,000 customers had signed up, collectively saving $200,000, according to Sareen.  Sareen added that his bank's main Orange Everyday accounts have been ATM fee-free since 2009 at all 32,500 ATMs, including in convenience stores, and so plans to "give back" to ING's customers the further savings from the major banks' decision to abolish foreign bank fees. He would not be drawn on what form this would take.