ING Germany review

Account fees run €0 to €4.90 and the annual charge is €0, so the account can be held at no cost. That puts it at the cheap end of the accounts in this comparison, and the free level covers everyday banking.

Free ATM withdrawals are listed at €0, which is one of the points the accounts in this comparison are set side by side on. Cash users can weigh that figure against the account fees of €0 to €4.90 before choosing.

The currency conversion fee is 2.2%, above the median of 1% across the accounts here. The account is marked for travel use, so it travels, but the conversion charge is the part to weigh before a holiday.

You get a debit card on the visa network, listed with a card kind of credit. Debit means spending comes straight out of the account balance, so there is nothing to repay at the end of the month.

The rewards type listed is cashback, so this is a cashback account rather than a points or miles scheme. Cashback is the rewards type on 49.5% of the cards compared here.

The listed audience is student and kids, which covers students and children. That makes it a straightforward first account for a young saver in Germany, and a parent can open one for a child without paying an account fee.

The provider is ING-DiBa AG, based in Germany. It is listed under Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the European Central Bank in Germany, so the account sits with a bank supervised in its own market.

The account is listed with a travel feature, so travel spending is part of what it is built for. Budget for the currency conversion fee of 2.2% on purchases in other currencies, and check it before a long trip.

The provider is based in Germany and regulated there, so this is a German account. If you are outside Germany, one of the accounts in this comparison may sit better with where you live and can be compared on their own fees.