ING Germany (Diba) review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
ING Germany (Diba) pays a variable rate of 3.2% on an easy access balance with no term and no notice period, so it suits savers who may need their money back at short notice rather than locking it away. Support runs on phone and help centre and the bank has traded since 1965.
Key facts
- Best for
- A saver who wants a variable rate, instant access and no monthly fee.
- Headline rate
- 3.2%↗
- Rate type
- Variable↗
- Term
- 12 to 120 months↗
- Minimum deposit
- €0↗
- Access terms
- No fixed term or notice period, no minimum amount; deposits and withdrawals at any time, payouts only to the reference account↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- ING-DiBa AG↗
- Headquarters
- Germany↗
- Founded
- 1965↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- ing.de
Loans
- APR
- 3.69% to 10.99%↗
- Loan amount
- €5,000 to €100,000↗
- Arrangement fee
- 0 EUR↗
- Credit check
- Hard↗
- Funding time
- Immediate payout on request, otherwise on a chosen date up to 3 months after approval↗
- Representative example
- Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Car, Credit-line↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
- Features
- Travel
Brokers
Pros and cons
Pros
- No fixed term, no notice period and no minimum amount, so deposits and withdrawals can happen at any time.
- The minimum deposit is €0, so a balance can be started at any size and left open without a charge.
- Savings sit with day to day banking in the ING App app, next to a current account paying cashback rewards.
Cons
- Withdrawals pay only to the reference account, so savings cannot be sent to an account held elsewhere.
- The rate is variable, so 3.2% can be revised by the bank and is not guaranteed for a set period.
- Buying investments alongside the savings costs €4.90 to €69.90 for each stock trade.
Who it suits
- Savers who want a variable rate with instant access and no term or notice period.
- Anyone keeping a small balance, since the minimum deposit is €0.
- Households weighing the current account as well, which is aimed at student and kids.
Who should look elsewhere
- Savers who want the highest variable rate on the table, since Wise lists 3.29%.
- People after a term linked deal, since Finteres lists 0% to 36% where this account pays a variable rate with no term.
Fees and FX
Costs here are minimal. The monthly fee is €0 and the minimum deposit is €0, so a balance can be held without a charge for keeping the account open, and the same rate applies from the first deposit rather than after a threshold is cleared. There is no minimum balance to maintain, so the account can be started, topped up or emptied as the holder prefers.
How ING Germany (Diba) compares
9.4 vs 8.0
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.5
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 8.9
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 9.3
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0- 9.4 vs 8.0
9.4 vs 9.0
9.4 vs 8.6
9.4 vs 8.3
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4- 9.4 vs 8.0
9.4 vs 9.0
Where ING Germany (Diba) is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does this savings account pay?+
The account pays a variable rate of 3.2%, above the site median of 3%. Because the rate is variable rather than fixed, the figure can be revised by the bank, so treat it as the starting point rather than a guaranteed return for the whole year.
Is there a minimum deposit or a monthly fee?+
Neither applies. The minimum deposit is €0 and the monthly fee is €0, so an account can be opened with nothing in it and left open without a charge. The balance is easy access, which means it stays available rather than being tied to a period.
Can I withdraw my money at any time?+
Access terms carry no fixed term and no notice period, so deposits and withdrawals can happen whenever the holder wants. The account kind is easy access, so nothing has to be served before taking money out. Payouts go only to the reference account on file, so cash cannot be sent straight to an account elsewhere.
Which app do I use to manage the account?+
Everything runs through the ING App app, covering the savings balance and the current account. That current account carries an annual fee of €0, pays cashback rewards and comes with a debit card on the visa network, so day to day money and savings sit together.
Who is this account aimed at?+
The current account side is aimed at student and kids households, and the savings balance pairs with it. The bank sits in DE and has traded since 1965, so a saver who wants a euro account with a long standing provider can start here.
How do I get help from the bank?+
Support runs on phone and help centre only, so a customer can pick up the phone or work through the help centre. Anyone who would rather use live chat or email will not find those channels here, which is worth weighing if you prefer to type rather than speak.
Can I borrow or invest with the same bank?+
Yes. Personal loans run at 3.69% to 10.99% for amounts of €5,000 to €100,000 over terms of 12 to 120, with a credit check of hard and free early repayment. The investment account covers stocks, etfs and funds, with stock trades charged at €4.90 to €69.90.
Sources
- ing.de/baufinanzierung/gebuehren-und-preise checked September 26, 2026
Backs: Product fee
“Neufinanzierungs-Bearbeitungsgebuehr: keine; Gebuehren: Keine (fuer Bearbeitung, Kontofuehrung, Schaetzung, Wertgutachten)”
- ing.de/baufinanzierung/zinsen-aktionen checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Repräsentatives Beispiel Baufinanzierung: Effektiver Jahreszins 4,93%”
- ing.de/extra-konto checked September 26, 2026
Backs: Access terms
“Save without fees with maximum flexibility: no fixed term or notice period, no minimum amount”
- ing.de/girokonto checked September 26, 2026
Backs: Annual fee, Audience, Rewards type, Support channels
“gratis VISA Card [Debitkarte]”
- ing.de/girokonto/girokonto checked September 26, 2026
Backs: Card type, Card network
“gratis VISA Card [Debitkarte] zum Girokonto”
- ing.de/girokonto/karten-bargeld checked September 26, 2026
Backs: Card kind, Features
“Ihre VISA Card [Debitkarte] - kostenlos inklusive”
- ing.de/girokonto/konditionen checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Legal entity
“Girokonto: in Deutschland kostenlos; Mindestabhebebetrag 50 Euro”
- ing.de/kredit checked September 26, 2026
Backs: Loan types
“Ratenkredit, Autokredit, Wohnkredit, Rahmenkredit, Kredit abloesen; with the paid-out loan amount you can fulfil any wish or replace expensive existing loans”
- ing.de/kredit/kundenservice-ratenkredit checked September 26, 2026
Backs: Credit check, Free early repayment, Funding time, Origination fee (%), Use cases
“To check your loan application we need your consent to pass data on to SCHUFA; with every loan application we carry out a credit check (Bonitaetspruefung)”
- ing.de/kredit/ratenkredit checked September 26, 2026
Backs: Loan amount, APR, Credit needed, Eligibility, Lender type, Representative example, Term
“Net loan amounts (Nettodarlehensbetraege): 5,000.00 to 100,000.00 EUR”
- ing.de/preis-leistungsverzeichnis checked September 26, 2026
Backs: Arrangement fee
“Rahmenkredit, Ratenkredit, Autokredit, Wohnkredit - consumer loans: processing fee (Bearbeitungsgebuhr) none; account keeping free; account statements free; partial early repayment free; early full...”
- ing.de/sparen-anlegen/direkt-depot checked September 26, 2026
Backs: Markets, Platforms
- ing.de/sparen-anlegen/direkt-depot/konditionen checked September 26, 2026
Backs: Account fee, Deposit and withdrawal fees, Stock trade fee
“Kostenlose Depotfuehrung - Direkt-Depot”
- ing.de/sparen-anlegen/sparen/tagesgeld/konditionen checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Konditionen zum flexiblen Tagesgeldkonto”
- ing.de/ueber-uns/unternehmen/geschichte checked September 26, 2026
Backs: Founded
“A look back at 60 years of ING ... and this since 1965; 1965 Georg Leber founds Bank fuer Sparanlagen und Vermoegensbildung AG (BSV)”
And 1 more source page.
Compiled from 16 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
ING Germany (Diba)
A saver who wants a variable rate, instant access and no monthly fee.