ING review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING is a straightforward Visa debit card for everyday banking in Germany, and it suits people whose spending stays in euros. It ranks 1 out of 419 brands on monthly fee, so the account is cheap to hold, and travel spending is the catch.
Key facts
- Best for
- Everyday euro spending in Germany on a Visa debit card.
- Monthly fee
- €0 to €4.90 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.2% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- ING-DiBa AG (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 1991 (Source, checked September 26, 2026)
- Official website
- ing.com
Credit cards
Pros and cons
Pros
- Ranked 1 out of 419 brands on monthly fee, so the account is cheap to hold.
- A debit card on the visa network, so it works as an everyday payment card rather than a credit card.
- Run by ING-DiBa AG, part of a group founded in 1991, so the bank behind the account is long established.
Cons
- Currency conversion costs 2.2%, above the 1% median for the cards we track.
- Ranked 184 out of 259 brands on currency conversion fee, the weak side of this card.
Who it suits
- People in Germany who want an everyday euro debit card and pay little to hold it.
- Anyone who rarely spends abroad, since the 2.2% conversion fee only bites on foreign currency.
- Customers who want an established bank, given the group has been running since 1991.
Who should look elsewhere
- Wise, if converting currency is the main job, since conversion here costs 2.2%.
- Varo Believe Secured Credit Card, a secured credit card with a monthly fee of $0, if you want to build credit.
- Chime Card (Secured Visa Credit Card), which is a credit card with a monthly fee of $0, rather than a debit account.
How it compares on our data
ING ranks 1 out of 419 brands on monthly fee, so holding the account sits at the cheap end of our comparison. Currency conversion tells the opposite story: 184 out of 259 brands. The pattern is simple. Use the card for euros, and look elsewhere if you spend abroad often.
Fees and FX
The cost comes from the monthly fee and the currency conversion fee. The monthly fee runs €0 to €4.90 depending on the account you choose, so the lower end of that range is free to hold. Spending in another currency costs more, with a conversion fee of 2.2% on the amount converted.
How ING compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where ING is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ING cost to hold each month?+
The monthly fee runs €0 to €4.90 depending on which account you take, so the cheapest tier keeps the account free to run. ING ranks 1 out of 419 brands on this measure, so the cost of holding the account is at the cheap end of what we compare.
What does ING charge for spending in another currency?+
The conversion fee is 2.2% on the amount you spend in another currency. That is above the 1% median for the cards we track, and ING sits at 184 out of 259 brands on currency conversion. Spending in euros keeps the charge away.
Is the ING card a debit or credit card?+
It is a debit card, so spending comes straight out of the account balance rather than building a bill to repay. The card runs on the visa network. If you want a card that builds a credit record, a secured credit card fits that job instead.
Which card network does ING run on?+
The card runs on the visa network, so it is accepted wherever that network is accepted, which covers most shops and subscriptions. Paired with the debit setup, it works as an everyday payment card for someone who pays in euros from the same balance.
Who runs the ING account?+
The account is provided by ING-DiBa AG, the German entity within a group founded in 1991 and based in the Netherlands. Knowing which entity holds the balance tells you who you deal with if a payment goes wrong or an account needs closing.
How does ING compare with other cards on fees?+
On monthly fee ING ranks 1 out of 419 brands with a fee of €0 to €4.90. On currency conversion the ranking reverses at 184 out of 259. Read the pair together: cheap to hold, pricier to spend abroad.
Sources
- en.wikipedia.org/wiki/ING_Group checked September 26, 2026
Backs: Founded, Headquarters
“ING Group was formed in 1991 by the merger”
- ing.de/girokonto/konditionen checked September 26, 2026
Backs: Card type, Currency conversion fee, Legal entity, Monthly fee, Card network
“VISA Card [Debitkarte] - Girokonto”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.