ING Germany

ING Germany — formerly ING-DiBa — is one of the largest direct banks in Germany, known for its no-frills, fee-free approach to personal banking. As part of the Dutch ING Group, it has built a strong reputation among Germans and expats alike for transparent pricing, solid digital tools, and reliable customer service.

The flagship product is the Girokonto (current account), which comes with no monthly fee and a free Visa card. Interest-bearing savings accounts, fixed-term deposits, and investment products round out the portfolio. ING’s online banking platform is stable and user-friendly, and the mobile app covers all everyday banking needs.

For expats, ING Germany requires registration (Anmeldung) to open a full account, and most of its services are delivered in German. However, English-speaking phone support is available, and the bank is widely regarded as foreigner-friendly once you have your documents in order. ING Germany has no physical branches — it operates as a direct bank — but it partners with cash withdrawal networks across the country.

With over nine million customers in Germany, ING is a trusted, established choice for those looking for a straightforward, low-cost German bank account.