ING Deutschland Reviews 

I've been an ING customer for several years and noticed an unauthorized charge. After I filed a complaint, ING refunded the money to me without any hassle. Until now, I've only experienced this kind of service from PayPal (I'd actually like to switch away from that provider, but there's no one else in Germany that offers similar services). I'm pleasantly surprised by ING. Thank you very much!

Very good, Like this Bank

After years of being a customer, we started to use our savings to pay for a wedding and to top up our Elterngeld payments during Elternzeit. We didn't go into debt but stayed with a good buffer in savings with all bills paid. Then to add to our stress just after our wedding, ING-DiBa tells us that they are closing all our accounts within two months and cut off access to the app. They used Article 19 of the AGB so gave no reason and even with calls to the bank, staff could not answer why this was happening, they just told us to get our money out. Not a family friendly bank!

Awful. Not great services. Terrible telephone support. Account can get cancelled for no reason-read on reddit its full of complaints.

Save yourselves and go park your money elsewhere.

So far good. Unfortunately it does not allow all mobile phone numbers for authorisation. Currently unable to use all services such as Werk.

It had such good reviews everywhere and everyone in my circle uses it. But I don't know why this bank and its apps have failed so many times. It locks me out of my own account on so many occasions. What if you have something time sensitive. Every other week there is an issue either with loading data or logging in. And this is the second time i have been locked out. To top it all the customer service is also terrible. Bot generated generic answers that don't solve your problems and once i had spent 3 hours on a call just to get to talk to someone.

Worst customer support I have seen - even for Germany it is a new low. Had to call five times to talk to a real person, they promised to send the overview of the activities for the invoice they are pressing me to close. has been 1.5 months - nothing! But they proceed with the debt collectors etc. Saftladen!

Terrible bank to deal with: they locked me out of my account due to a security update, so my passwords do not work anymore, so I have no access to my account for 6 weeks! And meanwhile asked me to upload a completed form and threthened me to "terminate their relationship" with me if I dont do so. I can not upload anything as I am locked out! So I posted it to their headquarters which they clearly ignored, and I just found out that they have blocked my account, no access for my debit orders and who knows what is happening to my property bond (that I have been paying without failure). Their Service Desk is automated, and all in German. No email contact to write to since they stopped the account management position.
Awful organisation to deal with causing unnecessary stress. At least I should have an email adress to correspond with.

Worst customer service , not recommended

Honestly i cannot recommend this bank enough. Beautiful app makes everything easy to understand. You can open a giro account for free, a deposit account for free and they give you a free extra account with 3.5% interest. Other banks you need to pay a lot to be able to do this. You can withdraw cash anywhere without fees. Free ETF saving plans. Really attractive investment and mortgages. The only downside is that it doesn't have english support, but i dont mind learning German just for this beautiful bank. Also you have to wait 2 to 3 weeks for your account to open. But all good clubs have a big waiting line. Today is my first day using it and i love it so much.

Became a client of this bank as at the time they offered best mortgage conditions, however experience is pretty bad: app and website are not intuitive, UX pretty low, services are hidden. Contrary to some German banks, neither app, nor customer service does not support English.
Customer support normally plays ping pong and searches for excuses for close the query asap without addressing it. For example, I asked a question on where in their crappy website I could read more about changes to mortgage agreement and which documents are needed. First reply was that they do not support English, after German question, they said they cannot authenticate me. As if they had different websites/apps for each client.
In any case, waiting for mortgage perid to expire, so I could change the bank. For me, couple of hundred euros per year are not worth the struggle.

Despite having a very good credit score and having a reliable source of income, my request to open a Bankkonto was declined twice with no reason. Even if you're calling them they aren not transparent and offort no support. Truly a dissapointing experience with them.

They,don't speak English and keep you waiting for more than 25 mn!

The best bank to choose from in Germany in my opinion. It always offers a variety of services which are convenient to use. The bank replies to questions or requests quite fast, sometimes it could be fast, but I don’t think others do better at the moment.
The bank has also the almost perfect app where the only thing is missing that is an ability to save the transaction confirmation as PDF right from the app, but that’s a minor thing, still hope it will be added at some point.

I recently opened an account with ING, and the entire onboarding process was incredibly smooth.

The standout feature is the mobile app; the usability is top-notch and makes managing finances actually enjoyable. If you use it as your primary salary account (Gehaltskonto), the account management is completely free. Plus, withdrawing cash from ATMs is free of charge, provided you withdraw at least 50 €.

The only minor downside for the German market: the Girocard costs 1 € per month. Since credit card acceptance in Germany still isn't at 100%, I’ve run into a few annoying situations where the free Visa debit card wasn't accepted.

Despite that small hurdle, it’s a strong recommendation for anyone looking for a modern, reliable bank.

After 2,5 months from our verification for Kinderdepots (children accounts), after repeating verification, after sending a couple of emails, when we can receive the result of the process - nothing. Just emails, that you rather not send emails and don't call. Nothing. Nix. So we opened the children accounts at another bank - within 2 days opened. Our experience with ING is the worst. If there is no star possible, I'd give zero star!

Stellar customer service. The representative was clear, friendly, patient, and followed up immediately. As someone who's a bit scarred by German customer service, I am floored. Thanks, Andrea!

The ING is super. The app is reliable and works well. Definitely a bank I’d recommend to friends and family.

Personal advice
The consultant served me well (Berlin dialect, 11.15).