Yeah ING is pretty damned good value. Also the ING Orange Everyday is a debit card if you can't get their credit card, and it also has the international transaction benefits that the credit card product has. I have BW Zero Platinum for the international transactions (no annual fees, no intl fees plus platinum benefits), but if I were to change/consolidate providers it would probably be ING. TBH what we get here in Aus is pretty good when it comes to what we pay for everyday banking. Our banks have the 'extract money from investors and borrowers' down pat. P.S: A comment relating to the video, if you relocate to Japan and need to open a bank account, I would suggest considering Shinsei bank. The guy in the video probably went to a traditional big bank where they're pretty hardcore on the 'things = money' way of doing things.