ING Bank N.V., Amsterdam - Bucharest Branch

ING Bank N.V., Amsterdam – Bucharest Branch is the Romanian branch of the Dutch bank ING Bank N.V., operating under the EU single passport framework. It is subject to home-country prudential supervision by De Nederlandsche Bank and to host-country requirements applicable to branches in Romania. Retail and business customers can access current and savings accounts in RON and major foreign currencies, debit and credit cards, domestic and international payments (including SEPA and SWIFT), term deposits, personal loans and mortgages, as well as SME and corporate lending, cash management, trade finance, and foreign exchange and risk-hedging products; capital markets and advisory services are available to larger corporate clients. The bank runs a digital-first model centered on its online and mobile channels (ING Home’Bank), offers remote onboarding for eligible residents, and supports contactless and major mobile wallets, with a physical network concentrated in larger urban areas and extensive use of self-service devices for cash operations. Pricing follows published schedules that typically include account package fees with waiver conditions, card and ATM withdrawal charges, foreign exchange margins on card and transfer transactions, transfer fees with cut-off times, and interest rates that vary by product and risk profile; early repayment and other administrative charges may apply where relevant. As a branch of a Dutch bank, eligible deposits are covered by the Netherlands Deposit Guarantee Scheme up to the statutory limit per depositor, with compensation paid in EUR; Romanian FGDB coverage does not apply to this branch, and RON depositors should consider currency conversion implications in a payout scenario. The bank applies standard KYC/AML procedures, uses strong customer authentication under PSD2 for electronic channels, and communicates terms, eligibility criteria, and product risks through its official documentation; applicants should review the latest tariff, key information documents, and contract conditions before opening accounts or taking credit.