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ING — ING's German direct-bank arm, one of the most-used current accounts in the country, supervised by BaFin and at group level by De Nederlandsche Bank and the ECB.

HQ
Frankfurt
Customers
9M+ customers in Germany
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your ING Germany current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by ING Germany are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your ING Germany account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Not yet supported

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Lidl
  • Aldi
  • dm
  • Deutsche Bahn
  • Amazon
  • IKEA

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • 1&1

  • How much sits across my ING Girokonto, Extra-Konto and Festgeld?
  • Compare my ING Visa-card spend with my other current account this month.
  • List every recurring Telekom, 1&1 and DAZN payment on my ING account.
  • What's the next direct debit due on my ING Germany account?

Does Bank AI move money on my ING Germany account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside ING Germany. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the ING Germany app.

How does Bank AI connect to ING Germany?

ING Germany exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is ING Germany the same as ING in the Netherlands?

ING Germany operates a German banking licence under BaFin. The parent (ING Group N.V.) is supervised by De Nederlandsche Bank and the ECB. Bank AI reads each ING country entity as its own connection, so an ING Germany account and an ING Netherlands account stay distinct.

Does Bank AI surface my ING Extra-Konto and Festgeld?

Yes. The Extra-Konto (ING's Tagesgeld product) and Festgeld balances are read as distinct sub-balances under your ING connection, with rates and maturities surfaced where exposed.

What about my ING DiBa credit card?

ING DiBa Visa cards are read as their own facility under your ING connection, with statement balances and direct-debit settlement dates surfaced.

What happens if ING Germany raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a ING Germany-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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