Diba

What Diba does

Diba is an ING-powered digital direct bank headquartered in Frankfurt, Germany, founded in 1965 and operating with a workforce in the 5,001–10,000 range. It serves German retail consumers exclusively online, offering a consolidated product suite consisting of a free Girokonto (current account), the Extra-Konto savings product at 3.20% interest, a Wertpapierhandel securities-trading platform, personal Kredite from €2,500 to €100,000, and Baufinanzierung mortgage financing. Service delivery is purely branchless — the bank runs no physical retail network for routine banking — and is anchored on the ING mobile app (biometric login, card controls, push notifications, dark mode) and the ING website as primary self-service channels, supported by digital account onboarding and a Sicherheitsversprechen (security promise covering credential-misuse damages). Supporting marketing assets — the "ING Wissen" content hub, the "Geld & Freundschaft" podcast series and a step-by-step YouTube "Wertpapier kaufen" tutorial — are deployed as top-of-funnel acquisition and education tools.

Revenue mechanics are anchored on net interest income. The bank funds lending (personal loans and Baufinanzierung) via retail deposits, with savings balances paying a 3.20% rate on the Extra-Konto. Promotional acquisition levers — a €200 welcome bonus on new Girokonto openings (under the "Lieblingsbank-Wochen" campaign) and a –0.30% Zins-Rabatt on loans to existing customers through 28.06.26 — are used to drive primary-banking relationships. Securities trading supplies a secondary transaction-fee stream. Brand strength is a distinguishing commercial asset: readers of €uro magazine voted the bank "Beliebteste Bank" for 20 consecutive years (2026 survey, 05/2026 issue), with first-place rankings in Gesamtzufriedenheit and Vertrauen in die eigene Hausbank. Customer concentration sits on a single horizontal segment (German retail consumers); no SMB, corporate or wealth-management offerings are described in the source material, and no financial-scale disclosures (revenue, AUM, deposits, loan book) are available.

Name

Diba

Website

https://ing-diba.de

Company type

Private

Founded year

1965

Headcount range

5,001–10,000 employees

Short description

Diba is a Frankfurt-based, branchless direct bank serving German retail consumers with a digital-first suite — free Girokonto, Extra-Konto savings at 3.20%, securities trading, personal loans (€2,500–€100,000) and Baufinanzierung — delivered exclusively through the ING mobile app and website.

Ownership category

akta.pro rank

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: ING generates revenue through interest charged on personal loans (2,500 to 100,000 EUR) and home financing (Baufinanzierung). The bank offers competitive rates including a -0.30% interest discount on loans for existing customers.
2. Savings Account Interest: ING pays interest on savings accounts (Extra-Konto at 3.20%), making money available for lending and investment activities.
3. Securities Trading: ING offers securities trading platform enabling customers to buy and sell stocks, ETFs, and other investment products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Diba (operating as ING in Germany) is a direct retail bank that distributes traditional banking products exclusively through digital channels. Its core offerings include a free current account (Girokonto) with a 200 EUR welcome bonus, savings and investment products (Extra-Konto at 3.20% interest plus securities trading), personal loans from 2,500 to 100,000 EUR, and Baufinanzierung (mortgage/real-estate financing), all accessed via the ING website and ING App.

Product overview

ING (Deutschland) offers a unified digital banking platform providing current account, savings, investment, and lending services. The core product portfolio consists of the Girokonto (current account), Sparen & Anlegen (savings and investment with Extra-Konto), Wertpapierhandel (securities trading), Kredite (personal loans 2,500-100,000 Euro), Baufinanzierung (mortgages), and the ING App mobile banking application. All services are delivered through a unified digital-first experience, with the mobile app serving as the primary interface for account management, authentication, and notifications.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Current Account) Free current account for daily banking transactions, with a 200 EUR welcome bonus offer for new customers. Primary banking account for everyday payments, account management, and card access, delivered through the ING website and mobile app.
• Sparen & Anlegen (Savings & Investing) Savings and investment product bundle featuring the Extra-Konto at 3.20% interest and Wertpapier-Depots (securities portfolios) for retail customers. Designed for German consumers building savings and long-term investments.
• Wertpapierhandel (Securities Trading) Online platform for buying and selling securities such as stocks, ETFs, and other investment products. Includes educational resources (e.g., a YouTube walkthrough 'Wertpapier kaufen Schritt für Schritt') for first-time investors.
• Kredite (Personal Loans)
• Baufinanzierung (Real Estate Financing)
• ING App (Mobile Banking Application)

Quantifiable outcome

• 3.20% interest rate on Extra-Konto savings account
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Volksbanken Raiffeisenbanken: Cooperative banking group with significant retail presence in Germany, offering current accounts, savings, mortgages and consumer credit. A broad incumbent competitor that competes with ING-DiBa for German retail deposits and lending.
• Sparkassen-Finanzgruppe: Network of German public-sector savings banks with deep regional branch penetration; offers retail deposits, mortgages and consumer lending. A dominant incumbent in German retail banking that ING-DiBa competes against on convenience and digital UX.

Emerging players

• Trade Republic: Berlin-based neobroker offering low-cost securities trading and savings products to German retail investors. Direct competitor to ING's Wertpapierhandel and Extra-Konto franchises, particularly for younger, self-directed German retail investors.
• N26: Berlin-headquartered neobank offering mobile-first current accounts and ancillary products to German and EU retail customers. Direct competitor on digital primary banking; differentiated by pure-mobile UX but smaller product breadth.
• Revolut: UK-headquartered neobank with a strong German customer base, offering multi-currency accounts, cards and increasingly lending/investment products. Competes with ING-DiBa for digitally native German retail customers, particularly on cross-border and FX use cases.

Direct peers

• Deutsche Bank: Germany's largest universal bank, with significant retail-banking operations including current accounts, mortgages, and wealth products. Overlaps directly with ING-DiBa on retail deposits, lending, and securities; also competes for the same German retail customer.
• DKB (Deutsche Kreditbank): DKB is the closest direct peer: a German Direktbank offering current accounts, savings, securities trading and personal lending through a mobile/digital channel with no physical branch network. Same business model, same German retail target customer, similar product breadth.
• Targobank: German retail and consumer-finance bank (owned by Crédit Mutuel) offering current accounts, savings, personal loans and credit products. Same retail target customer as ING-DiBa and significant overlap in personal lending and deposit products.
• Postbank: Major German retail bank (subsidiary of Deutsche Bank) with current accounts, savings, mortgages and personal loans. Directly comparable retail product suite and target customer as ING-DiBa; competes on both branch-assisted and digital channels.
• Commerzbank: One of Germany's two largest universal banks with a substantial retail franchise (current accounts, savings, mortgages, securities). Direct overlap with ING-DiBa on Girokonto, savings and Baufinanzierung products for German retail consumers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ing_diba_presse
• Facebookfacebook.com/ingdiba

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Diba