Ing Bank, N.V. Sucursal en España

ING Bank, N.V. Sucursal en España operates as the Spanish branch of ING Bank N.V. (Netherlands) and is registered with Banco de España under entity code 1465; prudential supervision is carried out by De Nederlandsche Bank with local oversight of conduct and consumer matters by Spanish authorities, and investment services provided in Spain fall under CNMV rules. Deposits are protected by the Dutch Deposit Guarantee Scheme up to €100,000 per depositor and per bank, not by the Spanish Fondo de Garantía de Depósitos; protection terms, including treatment of joint accounts and temporary high balances, follow Dutch law. The branch focuses on retail and digital banking with Spanish IBAN accounts, savings, payment cards, consumer loans, and mortgages, and distributes investment funds and insurance from third-party underwriters; it also provides wholesale banking services to corporate and institutional clients in Spain. Current account packages typically differentiate between payroll-linked and non-payroll variants; fees, card terms, and eligibility criteria depend on product and customer profile, and the official tariff should be consulted for specifics. SEPA transfers, instant payments, and Bizum are available, and major mobile wallets are supported; ATM withdrawals use external networks and may carry conditions or fees depending on the device owner and withdrawal amount. Account opening is largely remote via app-based identification and requires standard KYC documentation (e.g., DNI/NIE) and tax residency verification; availability for non-residents is limited. Interest rates on savings and the pricing of loans and mortgages are variable and published on the bank’s website; early repayment costs for mortgages follow applicable Spanish regulations. Customer service is provided through digital channels and phone, with limited physical locations; the complaints process is set out in the bank’s customer care policy, with recourse to Banco de España claims services where applicable and to the Dutch DGS for deposit protection matters. ING Bank N.V. carries investment-grade ratings from major credit agencies and publishes consolidated financials and capital ratios at group level, which include the Spanish branch.