ING-DiBa AG

ING-DiBa AG is a direct bank of ING Group (Netherlands) offering retail banking products and services. Being a direct bank, ING-DiBa AG doesn't have an expensive branch network, the resulting cost savings are passed on to the bank's customers which allows to offer fair conditions in all product areas. The savings and loan products of ING-DiBa AG are not complicated and can be opened and administered independently via the Internet, telephone or by postal letters.

Services

Retail Banking
Direct Banking

Products

Financials

Total Assets (2017)
166.32 bln EUR  (+3.01%)
Net Income (2017)
0.00 EUR

In 2017 total assets of ING-DiBa AG were 166,32 bln EUR. In 2017 the bank's net income was 0,00 EUR.

ING-DiBa AG is rated by Moody's. Long-term credit rating assigned to the bank by Moody's is A2 (upper medium grade).

ING-DiBa AG participates in deposit guarantee scheme of Germany. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Contacts

Theodor-Heuss-Allee 2, 60486, Frankfurt am Main, Germany
11 02 11

ING-DiBa AG is headquartered in Frankfurt Am Main.

Bank Identifiers

BIC (SWIFT)
INGDDEFFXXX
MFI ID
DE00067

Business Summary

ING-DiBa AG provides products and services in the areas of retail banking, direct banking. The range of products offered by ING-DiBa AG includes credit cards, current accounts, savings accounts (0.01 - 1.00 %), time deposit accounts (0.03 - 0.12 %), consumer loans (2.99 - 3.99 %), mortgage loans (1.03 - 2.40 %), car loans (2.89 - 2.89 %), trading accounts.

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.

Current accounts made with ING-DiBa AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. The following current accounts are offered by ING-DiBa AG.

Updated on 15 December 2018

Girokonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
6.99 %
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Overdraft Rate (p.a.)
6.99 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Girokonto Student
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
6.99 %
Current Account Details
Product Name
Girokonto Student
Account Currency
EUR
Overdraft Rate (p.a.)
6.99 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking

Germany: This product is offered to German 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.

Savings accounts made with ING-DiBa AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. ING-DiBa AG offers the following savings accounts.

Updated on 15 December 2018

Extra-Konto
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
1 - 4
Savings Account Details
Product Name
Extra-Konto
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
1 - 4
Investment Amount
1 - 50000 EUR
Interest Frequency
1 times a year
Extra-Konto
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
5 - 99
Savings Account Details
Product Name
Extra-Konto
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
5 - 99
Investment Amount
50001 - 999999 EUR
Interest Frequency
1 times a year
Extra-Konto
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
1 - 99
Savings Account Details
Product Name
Extra-Konto
Account Currency
EUR
Interest Rate (p.a.)
0.01 %
Deposit Term (months)
1 - 99
Investment Amount
1 - 999999 EUR
Interest Frequency
1 times a year

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

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).

Time deposit accounts made with ING-DiBa AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. ING-DiBa AG offers the following time deposit accounts.

Updated on 15 December 2018

Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.03 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.03 %
Deposit Term (months)
12
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.05 %
Deposit Term (months)
24
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.07 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.07 %
Deposit Term (months)
36
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
48
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year
Sparbrief
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.12 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Interest Rate (p.a.)
0.12 %
Deposit Term (months)
60
Investment Amount
2500 - 999999 EUR
Interest Frequency
1 times a year

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

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 AG.

Updated on 15 December 2018

VISA Card
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs (EUR)
0.00
Credit Card Details
Product Name
VISA Card
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Card Currency
EUR
Bonus Programs
Insurances
Benefits
Services

Germany: This product is offered to German 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 AG are shown in the table below.

Updated on 15 December 2018

Ratenkredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.49 %
Borrowing Amount (EUR)
35001 - 50000
Loan Term (months)
12 - 84
Ratenkredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.69 %
Borrowing Amount (EUR)
10001 - 35000
Loan Term (months)
12 - 84
Ratenkredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
3.99 %
Borrowing Amount (EUR)
5000 - 10000
Loan Term (months)
12 - 84
Wohnkredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.99 %
Borrowing Amount (EUR)
5000 - 50000
Loan Term (months)
24 - 84

Germany: This product is offered to German 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 AG are shown in the table below.

Updated on 15 December 2018

Autokredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
2.89 %
Borrowing Amount (EUR)
5000 - 50000
Loan Term (months)
24 - 84

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

See Also

Mortgage Loans

Mortgage loans are secured loans used for real estate financing purposes (for example, purchase of a new or existing property, construction of an own property, property renovation) without paying the entire value up front. A mortgage loan is secured by the collateral of specified real estate property and is repaid in installments. Mortgage loans offered by ING-DiBa AG are shown in the table below.

Updated on 15 December 2018

Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.03 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.09 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.21 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.24 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.26 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.36 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
5
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.46 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.48 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.49 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.56 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.57 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.70 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.88 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.88 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.05 %
Borrowing Amount (EUR)
200000 - 9999999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.08 %
Borrowing Amount (EUR)
100000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.18 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.40 %
Borrowing Amount (EUR)
50000 - 99999
Lending Amount (%)
80.00 %
Loan Term (years)
15

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

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts made with ING-DiBa AG are covered by investor compensation scheme of Germany up to 20 000 EUR per investor. Trading accounts offered by ING-DiBa AG are shown in the table below.

Updated on 15 December 2018

Direkt-Depot
Sales Region
Germany
Annual Costs (EUR)
0.00
Costs per Order (EUR)
9.15 - 19.90
Trading Account Details
Product Name
Direkt-Depot
Annual Costs
0.00 EUR
Costs per Order
9.15 - 19.90 EUR
Traded Instruments
stocks
bonds
ETFs
funds
certificates
Stock Exchanges
XETRA
Frankfurt
NYSE

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

See Also

Financial Positions

Total Assets (2017)
166.32 bln EUR  (+3.01%)

In 2017 total assets of ING-DiBa AG were 166.32 bln EUR. Growth compared to the previous period (2016) was 3.01%. The evolution of the total assets of ING-DiBa AG is shown at Chart 1 below.

Total Assets of ING-DiBa AG.

Chart 1. Total Assets of ING-DiBa AG.

Profit and Loss

Net Income (2017)
0.00 EUR

In 2017 net income of ING-DiBa AG was 0.00 EUR. The value didn't change compared to the previous period (2016). The evolution of the net income of ING-DiBa AG is shown at Chart 2 below.

Net Income of ING-DiBa AG.

Chart 2. Net Income of ING-DiBa AG.

Market Share and Rank (among banks in Germany)

Total Assets (2016)
8th (market share 2.28%)

In 2016 ING-DiBa AG was ranked the 8th largest bank in Germany in terms of total assets, having 2.28% of the domestic market share.

Market share of ING-DiBa AG (among banks in Germany)

Chart 3. Market share of ING-DiBa AG (among banks in Germany)

Several banks having the market shares and ranks closest to ING-DiBa AG are shown below.

RankNameTotal AssetsMarket Share
7Bayerische Landesbank212150.00 mln EUR2.99%
8ING-DiBa AG161461.99 mln EUR2.28%
9DB Privat- und Firmenkundenbank AG148647.36 mln EUR2.10%
 

Credit Ratings (as of May 2018)

Fitch Moody's
- (not rated) A2 (upper medium grade)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. ING-DiBa AG is rated by Moody's.

Credit ratings assigned to ING-DiBa AG as of May 2018 are shown in details in the following sections.

Moody's

Long-term rating for ING-DiBa AG it is set to A2 (upper medium grade). Long-term bank deposit rating is A2 (upper medium grade). Baseline credit assessment is a2. Short-term rating is not assigned.

Long-Term Rating  A2
Long-Term Bank Deposit Rating  A2
Baseline Credit Assessment  a2
Short-Term Rating  -
Outlook  stable

Outlook for the ratings of ING-DiBa AG is set to stable (not likely to change).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Germany are obliged to participate in German deposit guarantee scheme.

In the case of ING-DiBa AG failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  all deposit accounts (deposits on current accounts and savings accounts, overnight money or time deposits, registered savings bonds, and similar)
Covered Currencies  EU currencies
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of ING-DiBa AG and its components are shown in the table below.

BIC  INGDDEFFXXX
Bank BIC Code  INGD
Country Code  DE (Germany)
Location Code  FF
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of ING-DiBa AG is shown in the table below.

MFI ID  DE00067

European Presence: 4 banks in 4 countries

ING-DiBa AG operates under the brand name ING DiBa. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Austria

France

Germany

  • (this bank) ING-DiBa AG (Frankfurt am Main)

Italy

Defunct Banks: 2 banks in 2 countries

The following banks operating under ING DiBa brand name has been recently closed down:

Netherlands

United Kingdom