ING-DiBa Austria Niederlassung der ING-DiBa AG

Business Summary

Services
retail banking
direct banking
Clients
natural persons
business entities
Products
Area Served
ATAustria
ITItaly
DEGermany
FRFrance

ING-DiBa Austria Niederlassung der ING-DiBa AG provides products and services in the areas of retail banking, direct banking. ING-DiBa Austria Niederlassung der ING-DiBa AG offers a range of products including credit cards, debit cards, current accounts, savings accounts (0.05 - 2.00 %), time deposit accounts (0.05 - 0.05 %), consumer loans (4.10 - 4.10 %), car loans (4.10 - 4.10 %), mortgage loans, trading accounts, investments. ING-DiBa Austria Niederlassung der ING-DiBa AG makes its solutions available to natural persons, business entities.

Account Opening

Account Opening Procedure
completely online
performed within a few minutes

Opening an account with ING-DiBa Austria Niederlassung der ING-DiBa AG can be done by performing the following steps: completely online. It usually requires about a few minutes.

Required Documents
passport
proof of address
application form

ING-DiBa Austria Niederlassung der ING-DiBa AG requires the following documents to open a personal bank account: passport; proof of address; application form.

While opening a bank account ING-DiBa Austria Niederlassung der ING-DiBa AG has to perform KYC procedure and comply with AML requirements. KYC procedure usually includes obtaining the information about customer identity, residential address, current occupation and source of income. KYC checks performed by ING-DiBa Austria Niederlassung der ING-DiBa AG and the documents used are outlined below.

Identity Verification
passport
any one of the documents above
Address Confirmation
proof of address
any one of the documents above
Current Occupation
Income Source
Forms
application form
all the forms from above

ING-DiBa Austria Niederlassung der ING-DiBa AG may require additional documentation or information depending on the case.

Ways to Bank

Business Channels
online banking online banking
mobile app mobile app

ING-DiBa Austria Niederlassung der ING-DiBa AG operates as a direct bank without a branch network. Products and services offered by ING-DiBa Austria Niederlassung der ING-DiBa AG are available via online banking, mobile application.

Mobile Application: ING Banking Austria

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ING Banking Austria
ING Banking Austria
ING Banking Austria
ING Banking Austria
ING Banking Austria Supported Languages
DEGerman

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

The following current accounts are offered by ING-DiBa Austria Niederlassung der ING-DiBa AG.

Updated on 29 October 2020

Kostenloses Girokonto
Sales Region
ATAustria
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
6.90 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Kostenloses Girokonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
6.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Account be can accessed via online banking, phone

Available to Austrian residents

Kostenloses Girokonto
Sales Region
ATAustria
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Kostenloses Girokonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Account be can accessed via online banking, phone

Available to Austrian residents

Kostenloses Girokonto
Sales Region
ATAustria
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
6.90 %
Annual Costs
50.40 EUR
Current Account Details
Product Name
Kostenloses Girokonto
Account Currency
EUR
Annual Costs
50.40 EUR
Interest Rate (p.a.)
6.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Account be can accessed via online banking, phone

Available to Austrian residents

Kostenloses Girokonto
Sales Region
ATAustria
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
50.40 EUR
Current Account Details
Product Name
Kostenloses Girokonto
Account Currency
EUR
Annual Costs
50.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Account be can accessed via online banking, phone

Available to Austrian residents

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

ING-DiBa Austria Niederlassung der ING-DiBa AG offers the following savings accounts.

Updated on 29 October 2020

Direkt-Sparen
Sales Region
ATAustria
Investment Amount
1 - 100,000 EUR
Interest Rate (p.a.)
0.05 - 2.00 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Direkt-Sparen
Account Currency
EUR
Min. Interest Rate (p.a.)
0.05 %
Max. Interest Rate (p.a.)
2.00 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
100,000 EUR
Interest Frequency
1 times a year

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Savings accounts made with ING-DiBa Austria Niederlassung der ING-DiBa AG are covered by deposit guarantee scheme of Austria up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on savings accounts by non-residents of Austria is not taxed. Interest gained on savings accounts by residents of Austria is taxed at 25.00% rate. When the interest is paid, this tax is automatically withhold by ING-DiBa Austria Niederlassung der ING-DiBa AG from the savings account.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

ING-DiBa Austria Niederlassung der ING-DiBa AG offers the following time deposit accounts.

Updated on 29 October 2020

Direkt-Festgeld
Sales Region
ATAustria
Investment Amount
10,000 - 100,000 EUR
Interest Rate (p.a.)
0.05 %
Deposit Term
6 - 12 months
Time Deposit Account Details
Product Name
Direkt-Festgeld
Account Currency
EUR
Min. Interest Rate (p.a.)
0.05 %
Max. Interest Rate (p.a.)
0.05 %
Min. Deposit Term
6 months
Max. Deposit Term
12 months
Min. Investment Amount
10,000 EUR
Max. Investment Amount
100,000 EUR
Interest Frequency
1 times a year

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Time deposit accounts made with ING-DiBa Austria Niederlassung der ING-DiBa AG are covered by deposit guarantee scheme of Austria up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Austria is not taxed. Interest gained on time deposit accounts by residents of Austria is taxed at 25.00% rate. When the interest is paid, this tax is automatically withhold by ING-DiBa Austria Niederlassung der ING-DiBa AG from the time deposit account.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by ING-DiBa Austria Niederlassung der ING-DiBa AG.

Updated on 29 October 2020

VISA Classic-Karte
Sales Region
ATAustria
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Credit Card Details
Product Name
VISA Classic-Karte
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.50 %
Current Account Necessary
Bonus Program

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by ING-DiBa Austria Niederlassung der ING-DiBa AG are shown in the table below.

Updated on 29 October 2020

Ratenkredit
Sales Region
ATAustria
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
12 - 120 months
Effective Rate (p.a.)
4.10 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.10 %
Max. Effective Rate (p.a.)
4.10 %
Wohnkredit
Sales Region
ATAustria
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
12 - 120 months
Effective Rate (p.a.)
4.10 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.10 %
Max. Effective Rate (p.a.)
4.10 %

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by ING-DiBa Austria Niederlassung der ING-DiBa AG are shown in the table below.

Updated on 29 October 2020

Autokredit
Sales Region
ATAustria
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
12 - 120 months
Effective Rate (p.a.)
4.10 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
120 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.10 %
Max. Effective Rate (p.a.)
4.10 %

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

See Also