Bank AI
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ING — ING's Spanish digital-direct arm, supervised by Banco de Espana with group-level oversight from De Nederlandsche Bank.

HQ
Madrid
Customers
4M+ customers in Spain
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your ING Spain 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 Spain 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 Spain 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

  • Mercadona
  • Carrefour
  • Lidl
  • El Corte Ingles
  • Renfe
  • Repsol
  • Amazon
  • Apple

Detected subscriptions

  • Netflix
  • Spotify
  • Movistar+
  • Disney+
  • Movistar
  • Vodafone Espana

  • How much sits across my ING Spain cuenta corriente, Cuenta Naranja and Plan Naranja?
  • Compare my ING Spain card spend at Mercadona with my other current account.
  • List every recurring Movistar, Vodafone and Movistar+ payment on my ING Spain account.
  • What's the next direct debit due on my ING Spain account?

Does Bank AI move money on my ING Spain account?

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

How does Bank AI connect to ING Spain?

ING Spain 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 Spain the same as ING in the Netherlands or Germany?

ING Spain operates a Spanish-licensed branch supervised by Banco de Espana, with parent-level supervision from De Nederlandsche Bank and the ECB. Bank AI reads each ING country entity as its own connection.

Does Bank AI surface my ING Cuenta Naranja and Plan Naranja?

Yes. The Cuenta Naranja (Spanish Tagesgeld-equivalent) and pension-plan positions where ING exposes them via PSD2 are read as distinct sub-balances under your ING Spain connection.

What about my ING Spain credit card?

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

What happens if ING Spain raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a ING Spain-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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