ING Deutschland

What ING Deutschland does

ING Deutschland (legal entity: ING-DiBa AG) is Germany's largest direct bank and a wholly-owned retail-banking subsidiary of the Dutch multinational ING Group, headquartered in Frankfurt am Main. The bank operates a fully digital banking platform — accessible via the ING website, Online-Banking and the ING App (iOS and Android, 4.5+ stars, 6+ million app users) — and serves over 10 million retail customers with no physical branch network. Its product portfolio spans free current accounts (Girokonto with Student, Junior, Gemeinschaftskonto and Future sustainability variants), a savings product (Extra-Konto with promotional 3.20% interest on the first account up to €250,000 for the first four months), a securities trading platform (Direkt-Depot with 17,000+ stocks, 2,000+ ETFs, 7,000+ funds, and a new line of crypto ETPs and ETNs via partnerships with Bitwise and VanEck), an automated ETF savings/investment service (Smart Invest), and a credit suite including Ratenkredit (€2,500–€100,000), Autokredit, Wohnkredit/Wohnkredit-Energy, Rahmenkredit, and Baufinanzierung (mortgages with Baufi Energy and Baufi Green variants). It also provides a Geschäftskonto for self-employed professionals and small businesses, with bundled Rechnungsmanager, PSD2 integrations into DATEV and Lexware, and a VISA Business Debit card.

The underlying revenue mechanics are characteristic of a universal-retail bank: the core driver is net interest income (Zinsüberschuss) on the spread between loans (consumer credit, auto credit, mortgages) and deposits (Girokonto, Tagesgeld), supplemented by order fees on securities trading (€4.90 base + 0.25% of trade value, capped at €69.90), free depot maintenance monetized via retrocessions from ETF providers (notably Amundi), modest Kontoführungsgebühren (e.g., €1/month for Girokonto Future sustainability extension) and ancillary fees from cross-sell partnerships (Wüstenrot Bausparen, Allianz Direct auto insurance, share for sustainability projects). Marketing and customer acquisition run through a multi-channel digital mix including content marketing via the ING Wissens-Portal, YouTube and podcasts, social media, email/newsletter, referral programs (€70 for Girokonto, €50 for Direkt-Depot referrals) and promotional campaigns like the Lieblingsbank-Wochen running through 30.06.2026.

Distribution is exclusively digital — directed through ing.de, mobile app, Online-Banking and video-Ident/PostIdent onboarding — with telephone advisory offered only for Baufinanzierung. The company has been named "Beliebteste Bank" by Wirtschaftsmagazin €uro for 20 consecutive years (through 2026), holds multiple product awards (Best Online Broker 2026, Bester Autokredit, Deutscher Fairness-Preis 2025 for Tagesgeld), and operates from a Frankfurt HQ characterized by strong employer-brand credentials (kununu TOP COMPANY, audit berufundfamilie, Top-3 "Deutschlands Beste Arbeitgeber" 2025). Wholesale organizational and revenue details are not separately disclosed; ING-DiBa AG consolidates into ING Group's publicly-traded reporting.

Name

ING Deutschland

Legal name

ING-DiBa AG

Website

https://ing.de

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

ING Deutschland is Germany's largest direct bank, providing fully digital retail and small-business banking — including checking, savings, securities and crypto trading, personal loans and mortgages — to over 10 million customers via its app, online banking and website, with no physical branch network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Direct banking services
• Retail banking products
• Consumer lending
• Securities trading
• Mortgage financing

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Zinsüberschuss (Zinsergebnis): ING verdient Zinsen auf Kredite (Ratenkredite, Autokredite, Wohnkredite, Baufinanzierungen), die höher sind als die Zinsen, die sie auf Einlagen (Tagesgeld, Girokonten) zahlt. Dies ist das Kerngeschäft einer Bank.
2. Wertpapierhandel und Provisionen: ING verdient Ordergebühren für Wertpapierhandel (4,90 € Grundgebühr + 0,25% vom Kurswert, max. 69,90 €), Depotführung ist kostenlos. Erhält auch Zuwendungen (Retrozessionen) von ETF-Anbietern für Sparpläne.
3. Kreditgeschäft: Einnahmen aus Ratenkrediten, Autokrediten, Wohnkrediten und Baufinanzierungen. ING bietet Kredite von 2.500 bis 100.000 € mit Laufzeiten bis 120 Monate.
4. Kontoführungsgebühren: Girokonto kostenlos bei 1.000 € monatlichem Geldeingang oder unter 28 Jahren. Girokonto Future kostet 1 € pro Monat zusätzlich für Nachhaltigkeits-Erweiterung.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

ING Deutschland operates as Germany's largest direct bank (Direktbank), providing a fully digital suite of retail and small-business banking products. Its core offerings include the Girokonto (free checking account), Extra-Konto (Tagesgeld savings), Direkt-Depot (securities trading), Ratenkredite/Autokredite/Wohnkredite (personal, auto and home-improvement loans), Baufinanzierung (mortgages), and a Geschäftskonto (business account) — all delivered through the ING App, Online-Banking and ing.de without any physical branch network.

Product overview

ING Deutschland operates as a direct bank offering a unified platform of financial products centered on its digital-first approach. The core offering includes the Girokonto (current account) with multiple variants (Student, Future sustainability-focused, Gemeinschaftskonto joint account, Junior for children), supplemented by savings (Extra-Konto Tagesgeld), and securities trading (Direkt-Depot with ETF-Sparpläne, Smart Invest automated investing, and Krypto-ETNs). Lending products span Ratenkredit (personal loans 2,500-100,000 euros), Autokredit, Wohnkredit/Wohnkredit-Energy for home improvements, Baufinanzierung (mortgages including Baufi Energy and Baufi Green variants), and Rahmenkredit revolving credit. Business customers are served through Geschäftskonto with Rechnungsmanager, Business Extra-Konto, and Geschäftskredit. All services are accessible via the ING App and Online-Banking, with PSD2-enabled accounting integrations (DATEV, Lexware). The bank positions itself as Germany's most popular bank (20 consecutive years) with 10+ million customers, offering products through promotional campaigns with bonuses up to 200 euros.

Differentiator

Problem solved

Functional benefit

Brands

• Girokonto: Free checking account with VISA debit card and 200€ bonus for new customers
• Extra-Konto
• Direkt-Depot
• Girokonto Future
• Girokonto Student
• Girokonto Junior
• Gemeinschaftskonto
• Business Extra-Konto
• Geschäftskonto
• Smart Invest

Products and services

• Girokonto Free current account with VISA debit card, free cash withdrawals at 97% of German ATMs and across the euro area; available in Student (under 28), Junior (children), Gemeinschaftskonto (joint), and Future (sustainability extension) variants. Account is free with monthly incoming credit of EUR 1,000 or for customers under 28; new customers earn a EUR 200 bonus during promotional periods.
• Extra-Konto (Tagesgeld) Free savings account offering 3.20% p.a. for 4 months on the first account up to EUR 250,000, then a variable 0.75% p.a. Unlimited deposits and withdrawals with no minimum balance or notice period. Available in a Junior variant for children.
• Direkt-Depot Online securities account with free depot maintenance, providing access to 17,000+ stocks, 2,000+ ETFs, 9,000+ bonds, 7,000+ funds, certificates, leverage products, commodities and 50+ crypto ETNs. Order fee: EUR 4.90 base + 0.25% of value (max EUR 69.90). Available in Junior and Young (ages 18-27) variants.
• Smart Invest Automated ETF investment service offering diversified portfolios of expert-selected ETFs, available with one-time or recurring contributions from EUR 20.
• Ratenkredit Personal installment loan from EUR 2,500 to EUR 100,000 with terms up to 120 months. Fully digital application with instant credit decision, free special repayments, and an interest discount of up to -0.50% available.
• Autokredit Vehicle financing for two- and four-wheel vehicles, with the borrower retaining the vehicle registration document. Unlimited free special repayments, optional rate pause, and award-winning competitive rates.
• Wohnkredit Home improvement loan for property owners up to EUR 90,000 without land registry entry, terms up to 10 years. Available as Wohnkredit-Energy with an additional -1.00% interest discount for properties meeting energy efficiency class F or better.
• Rahmenkredit Revolving credit line serving as an alternative to an overdraft facility. Interest is charged only on the amount actually drawn, with flexible repayment at any time.
• Baufinanzierung Mortgage financing with online pre-check in 3 minutes, document upload, and online status tracking. Includes Baufi Energy (first 18 months without commitment interest from EUR 100,000), Baufi Green (-0.10% for energy classes A/A+), Anschlussfinanzierung, and Darlehensverlängerung variants.
• Geschäftskonto Business account for self-employed, freelancers, GmbH, KG, UG and OHG. Free for the first 6 months (12 months for founders), then individually priced from EUR 0. Includes free Rechnungsmanager (invoice management), sub-accounts with own IBAN, VISA Business Debit card, real-time transfers, and PSD2 interface for DATEV/Lexware integration.
• Geschäftskredit Business credit from EUR 10,000 to EUR 250,000 with fully digital application. Instant decisions up to EUR 100,000 without additional documents, free early repayment available.

Quantifiable outcome

• ING wurde 2026 zum 20. Mal in Folge zur 'Beliebtesten Bank' gewählt - Spitzenplatz in Gesamtzufriedenheit und Vertrauen
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• BitwisecoreTechnology or Integration · 1 February 2026ING Germany partnered with US asset manager Bitwise to launch cryptocurrency ETPs for retail clients. Starting February 2026, ING Germany clients can trade Bitwise crypto ETPs with minimum orders of 1,000 euros without execution fees. This strategic move expands ING's digital asset offerings and positions the bank ahead of full MiCA implementation.
• VanEckcoreTechnology or Integration · 1 February 2026ING Germany partnered with VanEck to list 10 crypto ETNs covering Bitcoin, Ether, Solana, XRP, and other assets. The products will be available through zero-fee savings plans, lowering barriers for retail investors seeking cryptocurrency exposure through traditional banking channels.
• WüstenrotsupportingStrategic or Co-development PartnerING bietet in Kooperation mit Wüstenrot Bausparen an. 'Später ein Haus bauen oder eine Wohnung kaufen? Ab sofort können Sie dafür gezielt Guthaben aufbauen. Mit voller Sicherheit bei den Zinsen.'
• Allianz DirectsupportingChannel Partner/ Reseller/ DistributorING Kunden können über die ING Website exklusiv die Autoversicherung von Allianz Direct abschließen. 'Nur für ING Kundinnen und Kunden' - zusätzlicher Rabatt für ING Bestandskunden.
• sharecoreStrategic or Co-development PartnerING kooperiert mit share für das Girokonto Future. share ermöglicht Kunden die Unterstützung sozialer und ökologischer Projekte. ING hat bereits 36 Millionen Hilfsleistungen und 241 Millionen Euro nachhaltig verwendet finanziert (Stand April 2026).
• LendicosupportingOthersING erwarb den Berliner Kreditmarktplatz Lendico. Nach der Akquisition wurde Lendico geschlossen.
• AmundicoreChannel Partner/ Reseller/ DistributorING bietet in Kooperation mit Amundi vergünstigte ETF-Sparpläne an. Im Rahmen der ETF-Sparplan Aktion erhalten Kunden 0 € Ausführungsgebühr für ausgewählte Amundi ETFs. Amundi MSCI World, S&P 500 und Stoxx Europe 600 ETFs werden prominent beworben.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• ING Group: Parent company and broader retail banking group operating direct-bank franchises across Europe. ING Deutschland sits within this multi-country platform and shares technology, brand, and capital allocation.
• Deutsche Bank: Germany's largest universal bank, incumbent whose Norisbank subsidiary competes in ING's direct-banking niche. Provides scale-of-incumbent comparison for retail and SME banking reach.

Emerging players

• Scalable Capital: Munich-based digital broker/neobank offering brokerage, savings, and banking products directly competing with ING on retail investment flows and ETF savings plans.
• N26 Bank: Berlin-based neobank offering checking, savings, and credit products to German retail customers. Same digital-first positioning, targeting the same younger deposit/transfer customers.
• Trade Republic Bank: Germany-headquartered neobroker and primary broker holding a full banking license, offering commission-free securities and savings products. Competes head-on with ING's Direkt-Depot and is pulling deposit-balance share.

Direct peers

• DKB (Deutsche Kreditbank): Germany's second-largest direct bank, similarly focused on Girokonto, Tagesgeld, Wertpapierhandel, and Baufinanzierung via digital channels. Closely comparable product mix and target market to ING Deutschland.
• Consorsbank (BNP Paribas subsidiary): Direct bank owned by BNP Paribas offering checking, savings, brokerage, and credit products in Germany. Same Direktbank go-to-market and retail/brokerage cross-sell model as ING Deutschland.
• FlatexDEGIRO: Major German online broker (post-DEGIRO merger) focused on retail securities trading and savings products. Direct overlap with ING's Direkt-Depot brokerage offering.
• comdirect (Commerzbank subsidiary): Direct bank subsidiary of Commerzbank providing banking, brokerage, and lending to German retail customers. Now consolidated under the Commerzbank brand but historically a sister direct-bank franchise.
• Norisbank (Deutsche Bank subsidiary): Direct bank subsidiary of Deutsche Bank serving German retail and small business customers via digital channels plus a focused urban branch footprint. Comparable digital-first banking proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights8 records

Customer concentration

• Xx.com/ing_deutschland
• YouTubeyoutube.com/c/INGDeutschland
• Facebookfacebook.com/INGDeutschland
• LinkedInlinkedin.com/company/ing-deutschland
• Instagraminstagram.com/ing_deutschland

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ING Deutschland