ING Germany review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING Germany puts a savings account, a direct brokerage and a loan range under one bank in Germany, which suits residents who want everyday cash and markets in one place. The savings rate of 3.2% is the draw, while dealing charges of €4.90 to €69.90 are the trade-off.
Key facts
- Best for
- One German bank for easy-access savings, a direct brokerage and instalment loans.
- Minimum deposit
- €0↗
- Stock trade fee
- €4.90 to €69.90↗
- Account fee
- €0↗
- Markets
- Stocks, ETFs, Funds, Crypto, Bonds↗
- Currency conversion fee
- 2.2%↗
- Deposit and withdrawal fees
- Free securities transfer↗
- Platforms
- ING App↗
- Legal entity
- ING-DiBa AG↗
- Headquarters
- Germany↗
- Founded
- 1965↗
- Support channels
- Phone, Help-centre↗
- Features
- Crypto, Fractional shares, Mobile app
- Pricing model
- No monthly fee
- Audience
- Beginners
- Official website
- ing.de
Loans
- APR
- 3.69% to 10.99%↗
- Loan amount
- €5,000 to €100,000↗
- Term
- 12 to 120 months↗
- 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↗
- Rate type
- Variable↗
- 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↗
Savings
Pros and cons
Pros
- Savings and current accounts carry no monthly or annual charge: €0 and €0.
- The direct depot covers stocks, etfs and funds, with fractional shares, a mobile app and Free securities transfer.
- Instalment loans run at 3.69% to 10.99% with an arrangement fee of 0 EUR and free early repayment.
Cons
- On stock trade fee it ranks 144 out of 166 brands compared.
- Help runs on phone and help centre only, without email or chat.
- Currency conversion on the current account costs 2.2%, above the site median of 1%.
Who it suits
- Residents of Germany wanting savings, dealing and loans from one provider, ING-DiBa AG
- First-time investors, the audience the direct depot is aimed at: beginners
- Borrowers with stable income who value settling a loan early at no cost
Who should look elsewhere
- Active traders, since eToro charges $0 a trade
- CFD and forex traders, who need the instruments listed for CFI at stocks, etfs and forex
- Readers after a broader instrument list, since bunq's markets run to stocks, etfs and crypto
Where it sits among rivals
On account fee, ING Germany ranks 1 of 142 brands compared, and on stock trade fee 144 of 166. The two rankings point in opposite directions, so the cost picture depends on how often you trade rather than on which account you open.
How ING Germany compares
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.3
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.7
9.2 vs 9.2eToro charges $0 a trade against €4.90 to €69.90 here, so cheaper dealing points elsewhere.
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.8
Where ING Germany is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the overnight savings account charge and pay?+
The monthly charge is €0, and a minimum deposit of €0 is enough to open it. It pays a variable rate of 3.2%, above the site median of 3%, which puts ING Germany among the stronger easy-access savings accounts on interest.
Can I withdraw from the savings account at any time?+
Yes. The account is an easy-access product, easy access, with no fixed term, no notice period and no minimum amount, and deposits and withdrawals are allowed at any time. One condition applies: payouts go only to the reference account you hold with ING.
How much does it cost to buy a share?+
A dealing charge falls in the band of €4.90 to €69.90, with the amount set by the size of the order. That places the brand at 144 out of 166 brands compared, against a site median dealing charge of €0.
What can I hold in the brokerage account?+
The direct depot covers stocks, etfs and funds, and the features listed are crypto, fractional shares and mobile app. Fractional shares let a small sum buy a slice of a single share, and securities transfers are Free securities transfer, so moving holdings in or out carries no extra dealing charge.
Which apps do I use to trade and manage the account?+
Dealing and account management run through ING App, and a mobile app is among the features listed: crypto, fractional shares and mobile app. The current account that sits alongside it charges €0 and issues a debit card on the visa network, with cashback rewards.
What loans are available and what do they cost?+
Borrowing covers personal, debt consolidation and car, from €5,000 to €100,000 over terms of 12 to 120 at rates of 3.69% to 10.99%. The arrangement fee is 0 EUR, early repayment is free, and the application runs a hard credit check: hard.
Does it offer mortgages as well?+
Yes, the building finance side offers an initial rate of 4.79% with an APRC of 4.93%, fixed for 15, up to a maximum loan to value of 100%. Product fees are €0, and the purposes covered are purchase, remortgage and home equity.
What does the current account cost day to day?+
The annual fee is €0 and rewards are paid as cashback. Currency conversion costs 2.2%, above the site median of 1%, and the free ATM allowance is €0, so card and travel costs add up.
Sources
- ing.de checked September 26, 2026
Backs: Headquarters
“Deutschlands beliebteste Bank - ING”
- 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, 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
“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: Audience, Features, 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”
And 1 more source page.
Compiled from 16 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.
ING Germany
One German bank for easy-access savings, a direct brokerage and instalment loans.