ING Germany review
Updated October 14, 2026 · VaultCue Editorial Team
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Our verdict
ING Germany's Extra-Konto is a demand savings account with a variable interest rate, no fixed term or minimum initial investment, and withdrawals to a registered reference account.
Key facts
- Best for
- Customers in Germany comparing a demand savings account and its withdrawal conditions.
- Headline rate
- 3.2%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- No fixed term or notice period, no minimum amount; deposits and withdrawals at any time, payouts only to the reference account↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- ING-DiBa AG↗
- Headquarters
- Germany↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- ing.de
Everyday accounts
- Currency conversion fee
- 2.2%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €0↗
- Transfer fee
- SEPA online and mobile free, written SEPA 2.50 EUR, foreign-currency conversion 1.00-2.00%↗
- Audience
- Students, Teens, Business
- Features
- Free ATM withdrawals, Joint account, Digital-only
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Variable interest rate with no fixed term or minimum initial investment.
- Withdrawals go to the registered reference account.
Cons
- Withdrawals are limited to the registered reference account.
Who it suits
- Customers in Germany comparing a demand savings account and its withdrawal conditions.
How ING Germany compares
9.1 vs 8.6
9.1 vs 9.5
9.1 vs 8.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.7- 9.1 vs 8.0
9.1 vs 9.0
9.1 vs 8.1
9.1 vs 8.7
9.1 vs 8.0
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 9.0
Where ING Germany is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the minimum deposit at ING Germany?+
The minimum deposit at ING Germany is €0. (Source, checked September 26, 2026)
Does ING Germany charge a monthly fee?+
The monthly fee at ING Germany is €0. (Source, checked September 26, 2026)
Which company operates ING Germany?+
ING Germany is operated by ING-DiBa AG. (Source, checked September 26, 2026)
Where is ING Germany based?+
ING Germany is based in Germany. (Source, checked September 26, 2026)
How can I contact ING Germany support?+
ING Germany offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- bafin.de checked September 26, 2026
Backs: Deposit protection
- ing.de/extra-konto checked September 26, 2026
Backs: Access terms
“Save without fees with maximum flexibility: no fixed term or notice period, no minimum amount”
- ing.de/girokonto checked September 26, 2026
Backs: Audience, Local account details, Support channels
- ing.de/girokonto/konditionen checked September 26, 2026
Backs: Free ATM withdrawals, Features, Currency conversion fee, Legal entity, Transfer fee
- ing.de/impressum checked September 26, 2026
Backs: Headquarters
“Die Bank hat ihren Sitz in Frankfurt am Main”
- ing.de/sparen-anlegen/sparen/tagesgeld/konditionen checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Konditionen zum flexiblen Tagesgeldkonto”
Compiled from 6 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Term.
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Customers in Germany comparing a demand savings account and its withdrawal conditions.