ING DiBa

ING DiBa is operated by ING-DiBa AG, headquartered in Frankfurt, Germany (Subsidiary of ENXTAM: INGA). The product launched in 1965 (BSV); rebranded ING 2018 and Germany's largest direct bank. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.

Quick facts

• Operator: ING-DiBa AG
• Headquarters: Frankfurt, Germany
• Public-market status: Subsidiary of ENXTAM: INGA
• Founded: 1965 (BSV); rebranded ING 2018
• Category: banking & payments
• Current tiers: Girokonto / Extra-Konto / VL-Sparen
• Anchor price (2026): free with €700/mo income
• Competitive set: competing with comdirect, DKB and Consorsbank in German direct banking

What is ING DiBa?

ING DiBa is Germany's largest direct bank. The product is competing with comdirect, DKB and Consorsbank in German direct banking. Customers buy a tier that matches their usage profile — the entry tier handles free current account with conditions, while the mid and premium tiers add depth such as ATM withdrawals at all Euro-zone Visa terminals and mobile banking with biometric login. Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).

Why choose ING DiBa

Operator and market position

ING-DiBa AG runs ING DiBa from Frankfurt, Germany. Its public-market status (Subsidiary of ENXTAM: INGA) and category position (competing with comdirect, DKB and Consorsbank in German direct banking) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.

Account ladder and fees

The ING DiBa tier ladder runs Girokonto, Extra-Konto, VL-Sparen. Anchor pricing in 2026 starts around free with €700/mo income for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for ING DiBa for the all-in renewal cost after taxes and FX conversion.

Apps, integrations and customer support

Apps and customer-experience surfaces matter as much as headline feature counts. ING DiBa delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: continued digital expansion and 2024-2025 emphasis on ETF savings plans and sustainable finance.

ING DiBa features that matter in 2026

Current feature set that buyers should weigh:

• free current account with conditions
• ATM withdrawals at all Euro-zone Visa terminals
• mobile banking with biometric login
• direct brokerage and ETF savings plans
• mortgage origination
• Apple Pay, Google Pay

Feature availability varies by region and tier; the headline list above reflects the operator's primary positioning. Confirm specific regional availability on the operator's marketing pages before committing.

ING DiBa pricing in 2026

The ING DiBa tier ladder in 2026 looks like:

Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:

ING DiBa apps and platform support

Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.

Who ING DiBa fits

ING DiBa is most likely a good match for the following buyers:

• German customers wanting free banking with investment and brokerage integration — the core target audience for the product.
• Category-focused subscribers who specifically want free current account with conditions from competing with comdirect, DKB and Consorsbank in German direct banking rather than a generalist platform.
• Tier-comparing households or teams evaluating the Girokonto to VL-Sparen ladder and willing to pay up for direct brokerage and ETF savings plans.
• Cross-device users who need apps across the surfaces in the platform table above.
• Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

Who runs ING DiBa and where is it based?

ING DiBa is run by ING-DiBa AG, headquartered in Frankfurt, Germany. The operator's public-market status is: Subsidiary of ENXTAM: INGA. The product was founded in 1965 (BSV); rebranded ING 2018.

How much does ING DiBa cost in 2026?

The 2026 tier ladder is Girokonto, Extra-Konto, VL-Sparen, with anchor pricing starting around free with €700/mo income. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.

Is there a free tier or free trial for ING DiBa?

There is no perpetual free tier listed for the standard ING DiBa subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.

Where is ING DiBa available?

Availability follows the operator's licensing and service footprint from Frankfurt, Germany. Confirm regional availability on the official site before subscribing.

What 2025-2026 features set ING DiBa apart right now?

The live differentiator to watch: continued digital expansion and 2024-2025 emphasis on ETF savings plans and sustainable finance. Pair that with the headline features (free current account with conditions, ATM withdrawals at all Euro-zone Visa terminals, mobile banking with biometric login) to judge whether the current roadmap fits your needs.

Which alternatives should buyers compare ING DiBa against?

ING DiBa is most directly competing with comdirect, DKB and Consorsbank in German direct banking. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.

How do I cancel ING DiBa?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for ING DiBa walks through each route step-by-step.

Does ING DiBa offer a team or multi-seat plan?

Multi-user, team or seat structure depends on the tier. Higher tiers commonly add admin controls and SSO or shared profiles; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.

How can I track price changes for ING DiBa?

Subger's renewal tracker for ING DiBa records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with ING DiBa

Confirm the current regional price on the ING-DiBa AG signup page, choose the tier that matches your usage (Girokonto or Extra-Konto are the most common starting points), and check Subger's deals page for ING DiBa for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel ING DiBa guide
• Latest ING DiBa deals
• ING DiBa promo codes
• ING DiBa true price and renewal tracker
• Browse the banking & payments category hub
• All services on Subger