ING-DiBa AG

Business Summary

Services
retail banking
direct banking
Clients
natural persons
business entities
Products
Area Served
Austria
Italy
Germany
France

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, debit cards, current accounts, savings accounts (0.01 - 0.25 %), time deposit accounts (0.01 - 0.10 %), consumer loans (2.99 - 3.99 %), car loans (2.99 - 2.99 %), mortgage loans (0.53 - 1.42 %), trading accounts, investments. ING-DiBa AG makes its solutions available to natural persons, business entities.

Account Opening
completely online
within a few minutes

Opening an account with ING-DiBa AG can be done completely online within a few minutes.

Ways to Bank
online banking
mobile app

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

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 AG.

Updated on 14 December 2019

Girokonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
6.99 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
6.99 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone
Available to German residents
Girokonto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
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
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone
Available to German residents
Girokonto Student
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Girokonto Student
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
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
Girokonto Student
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
6.99 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Girokonto Student
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
6.99 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents

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.

ING-DiBa AG offers the following savings accounts.

Updated on 14 December 2019

Extra-Konto
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.25 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Extra-Konto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.25 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 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.
Deposit Guarantee. Savings accounts made with ING-DiBa AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on savings accounts by non-residents of Germany is not taxed. Interest gained on savings accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by 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 AG offers the following time deposit accounts.

Updated on 14 December 2019

Sparbrief
Sales Region
Germany
Investment Amount
2,500 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.10 %
Deposit Term
12 - 60 months
Time Deposit Account Details
Product Name
Sparbrief
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.10 %
Min. Deposit Term
12 months
Max. Deposit Term
60 months
Min. Investment Amount
2,500 EUR
Max. Investment Amount
999,999 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.
Deposit Guarantee. Time deposit accounts made with ING-DiBa AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Germany is not taxed. Interest gained on time deposit accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by 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 AG.

Updated on 14 December 2019

VISA Card
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
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 14 December 2019

Ratenkredit
Sales Region
Germany
Borrowing Amount
5,000 - 10,000 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
3.99 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
10,000 EUR
Min. Effective Rate (p.a.)
3.99 %
Max. Effective Rate (p.a.)
3.99 %
Wohnkredit
Sales Region
Germany
Borrowing Amount
5,000 - 10,000 EUR
Loan Term
24 - 84 months
Effective Rate (p.a.)
3.19 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
24 months
Max. Loan Term
84 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
10,000 EUR
Min. Effective Rate (p.a.)
3.19 %
Max. Effective Rate (p.a.)
3.19 %

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 14 December 2019

Autokredit
Sales Region
Germany
Borrowing Amount
5,000 - 65,000 EUR
Loan Term
24 - 84 months
Effective Rate (p.a.)
2.99 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
24 months
Max. Loan Term
84 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
65,000 EUR
Min. Effective Rate (p.a.)
2.99 %
Max. Effective Rate (p.a.)
2.99 %

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 14 December 2019

Baufinanzierung
Sales Region
Germany
Borrowing Amount
50,000 - 9,999,999 EUR
Borrowing Rate (p.a.)
0.53 - 1.42 %
Loan Term
5 - 15 years
Mortgage Loan Details
Loan Currency
EUR
Min. Borrowing Amount
50,000 EUR
Max. Borrowing Amount
9,999,999 EUR
Min. Borrowing Rate (p.a.)
0.53 %
Max. Borrowing Rate (p.a.)
1.42 %
Min. Loan Term
5 years
Max. Loan Term
15 years
Min. Lending Amount
60.00 %
Max. Lending Amount
80.00 %

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 offered by ING-DiBa AG are shown in the table below.

Updated on 14 December 2019

Direkt-Depot
Sales Region
Germany
Annual Costs
0.00 EUR
Costs per Order
7.40 EUR
Trading Account Details
Product Name
Direkt-Depot
Annual Costs
0.00 EUR
Costs per Order
7.40 EUR
Traded Instruments
stocks
bonds
ETFs
funds
certificates
Stock Exchanges
XETRA
Frankfurt Stock Exchange
NYSE
Trading Account Features
Major world stock exchanges
Most popular trade instruments
Available to German residents
No annual costs

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.
Investor Compensation. Trading accounts made with ING-DiBa AG are covered by investor compensation scheme of Germany up to 20,000 EUR per investor.

See Also