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Alternatives

Best ING Deutschland alternatives

ING Deutschland scores 7.3. These are live products this desk would open next — each with a full review, not a leftover affiliate tile.

7.3Solid

4.8 user score on ING Deutschland · compare licences below

ING DeutschlandN26bunqWiseRevolut
Editorial score7.37.87.78.68.6
HQFrankfurtBerlinAmsterdamLondonLondon
MonthlyOften €0 on Girokonto with conditions — confirm liveFree Standard Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money)Free personal Free
ProtectionGerman statutory deposit guarantee (EdB) up to €German statutory scheme up to €100,000Dutch DGS up to €100,000Safeguarded EMI funds in the UK — not FSCS. LocaFSCS up to £85,000 on UK bank balances; EMI safe
Cardvisamastercardmastercardmastercardvisa
Users~9 million8M+15M+16M+50M+

Full alternatives

#1 alternative

N26

active

German bank account with a Mastercard, built as a phone.

4.5

Berlin · 8M+ · ~$1.8B raised

7.8Solid

If you need a German/SEPA current account, N26 is still the reference neobank. Score it as a bank, not as a travel card. Revolut and Wise beat it the moment you leave the euro.

Best for: Euro-zone residents who want a real German bank IBAN in a clean app.

Why it beats ING Deutschland

  • Full German bank, Einlagensicherung on eligible deposits
  • Genuinely good mobile current account
  • Metal and You plans are honest about what they add

Watch-outs

  • AML freezes are a documented pain
  • UK presence is not the original UK current account
  • Euro-native — weak if you live in sterling or dollars
Licence
Credit institution (CRR bank)
Protection
German statutory scheme up to €100,000
Monthly
Free Standard · Smart/You/Metal paid
Full N26 reviewN26 alternativesVisit N26

#2 alternative

bunq

active

Dutch bank for people who want IBANs, sub-accounts, and a travel card.

4.4

Amsterdam · 15M+ · Private / profitable claims

7.7Solid

A serious EEA bank if you will pay for it. N26 is the free-ish euro alternative; bunq is the structured one.

Best for: EEA freelancers who will pay a monthly fee for IBANs and sub-accounts.

Why it beats ING Deutschland

  • Real Dutch bank
  • Sub-accounts
  • Travel-capable paid plans

Watch-outs

  • Not free
  • Personality-led brand
  • UK is not the home market
Licence
Credit institution
Protection
Dutch DGS up to €100,000
Monthly
Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money)
Full bunq reviewbunq alternativesVisit bunq

#3 alternative

Wise

active

The mid-market FX rail everyone else is measured against.

4.7

London · 16M+ · Public (WISE)

8.6Strong

The control for cross-border. Pair with a licensed local bank for salary protection. Never describe Wise personal as a UK bank account.

Best for: Anyone who receives or sends money across borders for a living.

Why it beats ING Deutschland

  • Honest FX — the number others hide
  • Local details that make you look domestic
  • Business platform that scales past the card

Watch-outs

  • Not a bank in the UK — no FSCS on the EMI wallet
  • Account reviews can freeze funds mid-invoice
  • ATM and spend caps on the free plan
Licence
EMI (personal)
Protection
Safeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks.
Monthly
Free personal · Wise Business subscription optional
Full Wise reviewWise alternativesVisit Wise

#4 alternative

Revolut

active

Global money app that finally became a UK bank.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Why it beats ING Deutschland

  • Best-in-class FX for travellers on paid plans
  • Product depth: bank, broker, crypto, cards, kids
  • UK bank licence closes the old EMI objection for eligible users

Watch-outs

  • Support quality does not match the feature list
  • Weekend FX and fair-usage ATM rules catch Standard users
  • Crypto and stock sleeves are not the bank
Licence
UK bank (eligible customers)
Protection
FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets
Monthly
Free · Plus/Premium/Metal/Ultra paid
Full Revolut reviewRevolut alternativesVisit Revolut

#5 alternative

Kestrl

active

UK app for Muslim money habits. Not a bank.

4.6

London · Tens of thousands · Seed / grant-era

6.7Mixed

Kestrl is a habit layer. Keep a Monzo/Starling/high-street account for the actual deposit. Halal branding does not move FSCS.

Best for: UK Muslims who want a money app that speaks their constraints, with a real bank still underneath.

Why it beats ING Deutschland

  • Category honesty
  • Habits UX
  • Family angle

Watch-outs

  • Not a licensed bank
  • Partner-rail complexity
  • UK-first
Licence
App + partner EMI/bank rails
Protection
If a spending account exists, it is partner-EMI or bank — not Kestrl-as-bank
Monthly
Freemium / subscription SKUs — confirm live
Full Kestrl reviewKestrl alternativesVisit Kestrl

#6 alternative

Found

active

US banking for the self-employed: taxes, invoices, and a debit card.

4.8

San Francisco · Self-employed base · Series-era (Allianz x others)

7.3Solid

Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.

Best for: US freelancers who hate QuickBooks more than they hate banks.

Why it beats ING Deutschland

  • Tax set-asides
  • App craft
  • Free core

Watch-outs

  • Not a bank
  • Not for headcount
  • US only
Licence
Fintech with partner banks
Protection
FDIC via Piermont Bank and partners
Monthly
Free core
Full Found reviewFound alternativesVisit Found

Questions

01

Why look beyond ING Deutschland?

ING Deutschland is scored 7.3. Weaknesses on this desk: Geography; Name collision with closed FR ING. Alternatives above are scored independently, not paid placements.

02

Are these ING Deutschland alternatives available in the same countries?

Coverage is per product. Open the country desk and the individual review — a UK bank licence does not travel, and an EMI is not FSCS.

03

How do I compare them side by side?

Use Compare on any card, up to four products, then open the compare desk.

Back to the ING Deutschland review