What ING Actually Charges You
ING sells itself as Germany's friendly direct bank, then charges €4.90 a month unless you push €1,000 through the account, and skims 2.20% off every card payment outside the eurozone.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €4.90/month | Waived with incoming payments of at least €1,000 per calendar month, or if you are under 28. |
| Overdraft | 9.14% APR | Variable Dispo rate, applied to both the arranged and the tolerated overdraft. |
| Foreign exchange | 2.20% | Foreign-use surcharge on Visa Card payments and cash withdrawals in non-euro currencies. |
| ATM withdrawals | €0 in euro | Cash withdrawals with the Visa Card are free in Germany and the entire eurozone. With the optional girocard, withdrawals outside ING ATMs cost €5.00 plus any operator fee. |
| Cards | €1.49/month | For the optional girocard. The Visa debit card is included with the account at no extra cost. |
Questions people actually ask
Only if at least €1,000 lands in the account each calendar month or you are under 28. Miss the threshold and ING charges €4.90 for that month.
2.20% of every Visa Card payment or cash withdrawal in a non-euro currency. Inside the eurozone, payments and withdrawals are free.
9.14% per year, variable. The same rate applies if you slip into a tolerated overdraft beyond your limit.
With the Visa Card at any ATM in Germany and the eurozone that accepts Visa, at no charge from ING. The girocard is the trap: outside ING's own ATMs it costs €5.00 per withdrawal.
Yes, €1.49 per month. The Visa debit card is free, so the girocard only makes sense if you regularly pay at terminals that refuse Visa.
Sources
Every number above comes from the bank's own documents.
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