ING-DiBa Austria Niederlassung der ING-DiBa AG

ING-DiBa Austria Niederlassung der ING-DiBa AG operated as the Austrian branch of Germany’s ING-DiBa AG, providing direct-to-consumer banking without a physical branch network and using Austrian IBANs for payment accounts; as a branch of a German bank, statutory deposit protection for eligible deposits was provided by the German EdB up to 100,000 EUR per depositor, with home-country prudential supervision by BaFin and host-country oversight of local conduct by the Austrian FMA. The branch historically offered current accounts, savings, consumer lending, mortgages, and brokerage, serviced via online banking, mobile app, and call center, with standard two-factor authentication for access and transaction approval. In 2021 the group announced an exit from Austrian retail banking; during 2022 most retail customer relationships and a portion of staff were transferred to bank99, and new retail onboarding at ING-DiBa Austria ceased, with remaining relationships wound down afterward. Since the exit, ING’s activity in Austria has focused on corporate and institutional clients through ING Bank N.V., Vienna Branch, while the former ING-DiBa Austria retail offering is closed to new customers and not marketed. Legacy account holders were subject to migration or termination timelines communicated during the wind-down, and historical terms, fees, and card conditions are no longer generally available; any residual servicing follows run-off arrangements rather than a public product lineup. Prospective customers should verify current availability directly with ING or the successor provider, and note that deposit-guarantee coverage for any remaining eligible balances linked to the former branch is determined under German law rather than the Austrian Einlagensicherung.