ING Review 2026
One of Europe's biggest and best digital-first incumbents — safe, full-featured and easy to use, with rates that are solid rather than spectacular.
Overview
ING is a major Dutch-headquartered banking group and one of Europe's largest retail deposit franchises. Its main entity is ING Bank N.V. (Netherlands), with big local units such as ING-DiBa in Germany — one of the country's largest direct banks — plus retail banks in Belgium, Spain, Italy, Poland and beyond.
Is your money safe?
Yes. Your cover comes from the scheme of the country where the account is booked: Dutch accounts under the Dutch DGS (€100,000), German ING-DiBa accounts under the German scheme (€100,000, with an additional voluntary top-up for German private banks).
Either way you get the standard €100,000 EU protection from a very strong institution.
Products & rates
A complete range — current accounts, instant-access savings, fixed-term deposits, mortgages and investing/brokerage. It pays interest on savings at mainstream rates as listed, with new-money promotions in some markets.
The apps are excellent and the experience genuinely digital-first.
Fees
Savings accounts are typically free; some markets charge a small monthly current-account fee, while Germany's core account is fee-free under conditions. Standard FX and card fees apply abroad.
✓ Pros
- •Huge, safe, €100,000-protected incumbent
- •Strong apps and digital-first experience
- •Full product set across many EU markets
- •ING-DiBa especially loved by German savers
× Cons
- •Rates solid, not table-topping
- •Incumbent-style service complaints in some markets
- •Product and rate availability varies by country
Who it's for
Mainstream EU savers wanting a large, safe, digital-first bank with everything in one place — and German savers in particular.
Bottom line
A dependable core bank for most EU savers; shop promotions if you want ING's best rates.
Frequently asked questions
Yes — deposits are covered up to €100,000 by the DGS of the country where your account sits, and ING is a systemically important, well-capitalised group.
Related
Editorial review by Banks.eu. Ratings reflect our own assessment of safety, product range, pricing and service. Interest rates are as listed on banks.eu or by the provider and can change at any time — always confirm current terms before opening an account.
