Germany
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
ING Deutschland
ING-DiBa AG. BaFin / ECB. German statutory deposit guarantee. Direct bank, not a startup.
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7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
No. ING Deutschland is not a bank. Your money sits with ING-DiBa AG.
If it fails?
German statutory deposit guarantee (EdB) up to €100,000 per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Often €0 on Girokonto with conditions — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
ING-DiBa AG is a German credit institution. BaFin, Bundesbank, ECB. EdB up to €100,000. This is the orange lion Germans mean. French ING retail closed; leftover funds sat at Caisse des Dépôts from February 2024. Do not mix the files. N26 is the other German digital bank on this desk. ING is the older direct bank.
What it is
DiBa heritage, ING group. Frankfurt. Millions of Girokonten. Directories add ‘Ing’ because a scraper lowercased the lion. This desk writes ING Deutschland and leaves the closed French retail arm in the graveyard of other people’s sites.
Best for: Germany residents who want a BaFin direct bank for salary, not a pink EMI.
Last checked 2026-08-30. Not advice.
What it does well
- +Named BaFin bank
- +EdB
- +Scale
- +Not the closed French ING
What to watch
- −Germany-resident
- −Conditions on the free Giro
- −Not a travel FX champion
- −Directories flatten all ING countries
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Girokonto · Extra-Konto · brokerage adjacency
- Partner bank
- ING-DiBa AG
- Minimum balance
- €0
- Lowest monthly fee
- Often €0 with conditions — confirm live
- Who can open
- Germany residents
- Availability
- Germany
How money actually moves
- Who holds the cash
- Issued / held via ING-DiBa AG
- How money moves
- IBAN / SEPA
- Built for
- Personal · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- ING Deutschland lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
German statutory deposit guarantee (EdB) up to €100,000 per depositor per bank
Who holds the money: ING-DiBa AG
- BaFin / Bundesbank / ECBCredit institution — ING-DiBa AG · Germany
Fees
- Monthly
- Often €0 on Girokonto with conditions — confirm live
- FX markup
- Bank tariff, not Wise
- ATM
- ING / cash-group network
- Interest
- Extra-Konto / savings — rates move
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- ✓Stocks
- –Business
- –Kids
- –Halal
- German Girokonto
- Direct brokerage adjacency
- EdB
- App + web
- ING Group
Score
- Safety25%
- 8.8
- Fees20%
- 8.0
- Features15%
- 7.4
- App15%
- 7.6
- Global15%
- 4.0
- Support10%
- 6.8
Change log
Full logStatus
French ING leftovers at Caisse des Dépôts
This slug is ING-DiBa AG, Germany, EdB. Do not mix the closed French retail file.
Available in
Straight answers
FAQ
01Is ING Deutschland a bank?
ING Deutschland is not a licensed deposit-taker in the classic sense. Money, if any, sits with ING-DiBa AG.
02How is money protected?
German statutory deposit guarantee (EdB) up to €100,000 per depositor per bank
03Where is ING Deutschland available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with ING Deutschland.
04Card and wallets?
ING Deutschland lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open ING Deutschland remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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