Modern and proven – these two characteristics apply to the ING-DiBa. The current account exists since 2005 and is free of charge without incoming salary transfers!
Depending on your personal preferences, you can manage the account by phone, online banking or banking app. It is so advanced that you can even take pictures of your bills to make a transfer!
Far more than a free current account!
Of course, there are two free cards to the account in order to be flexible in all situations:
Let’s take a general look at the conditions:
- modern free current account
- free Girocard (debit card)
- free Visa Card
- very many possibilities to withdraw cash free of charge
- possibilities to deposit cash up to Euros 25,000 free of charge
- account management possible via phone, online banking or banking app
- opening of the current account via online application
statutory legitimating via PostIdent or video chat
Go directly to the bank ► www.ing-diba.de/girokonto (online account opening ✔)
How other customers use the ING-DiBa
Main current account
The entire private payment transfer takes place through the ING-DiBa. The monthly salary is deposited, the standing order for the rent is transferred and the telephone company also debits punctually.
The daily purchases are paid with the Girocard and occasionally, one withdraws cash conveniently at the supermarket checkout.
Outside the opening hours, there are 58,000 ATMs for free cash withdrawals in Germany. For this, one uses the Visa Card.
Even an account credit line (overdraft facility) can be set up from the beginning, so that no chargebacks can happen at payment overlapses!
There are also people, who have only applied for the current account in order to get a permanently free “credit card”.
Often, a credit card is needed for online stores, when booking cheap flights, hotel reservations or making a deposit at the car rental. This can be done well using the ING-DiBa Visa Card.
If one sets up an overdraft facility, one even has a “true” credit card with credit line. When applying for the overdraft facility, one must submit a salary certificate, however, the regular incoming transfer of the salary is not required!
This is a huge advantage to other banks!
Some have opened the account in order to have a separate accounting from the main current account. It is used e.g. as a hobby account or for private eBay purchases and sales.
The idea of keeping the online shopping separated from the main account is a good means for more and more people due to the increasing scams on the internet.
Some people have set up the account only for emergencies. The cards were ordered and tested for their functionality. Some test transfers were made. Everything works. If the main current account should be blocked at some point, one can immediately perform the entire payment transfers through the already fully set up and immediately functional reserve account.
Most often, this is done by people, who became victims of online scams and then had problems, because their account was blocked and they had to live a few days without a working account and cards. This is not a nice experience! Prevention is better than cure.
Presentation of some great account features
Many people, who extensively use their smartphones / iPhone, love to make banking on the road. ING-DiBa offers an extensive banking app.
One cannot only retrieve the account balance, but make all kinds of transfers. Up to the photo transfer. In this system, one takes a photo of a bill or a bank transfer form and, in the best case, the software recognizes all relevant payment data and transfers it to the transfer mask.
This, of course, does not yet work with all designs of bills, but the discerning technique continues to develop and improve.
Through the banking app, one can manage the most other bank accounts for savings, securities or loans.
Of course you can do internet banking easily on the computer with a large monitor and keyboard or use the telephone banking.
Of course, you can also use the internet banking comfortably on the computer with the big monitor and keyboard or through telephone banking.
2. The cards
Each current account customer receives the Girocard as well as the Visa Card automatically and for free. To keep the use free of charge for you, some things have to be considered:
Use the Visa Card to withdraw cash. In Germany, you have 58,000 ATMs for fee-free withdrawals at your disposal. That applies to about 90 per cent of all ATMs.
The resulting standard charges are automatically borne by the ING-DiBa for you! If an ATM operator wants to charge you additional fees, then he/she must display this before the withdrawal and you can still cancel the operation.
With the Girocard, you can withdraw money at the 1,200 own ATMs of the ING-DiBa. These are usually located at petrol stations.
The banking app also supplies you with an ATM finder. These are easy to find thanks to the interactive map.
- If you are currently shopping anyway in the markets Penny, Rewe, Netto or toom, you can withdraw cash from your account when paying with the Girocard. You get the cash from the supermarket cash register. The debit will be made, just like the purchase itself, from your current account.
In the abroad Euro countries (e.g. Spain), you use the Visa Card to withdraw free of charge.
In the abroad with foreign currency (e.g. Switzerland), you use the Visa Card up to a converted amount of Euros 286, and for withdrawals beyond this limit you should use the Girocard.
Background is the fee structure for foreign currencies. The withdrawal itself is free of charge with the Visa Card, however, there is a fee for the currency exchange of 1.75 per cent. This does not apply to the Girocard, but the price list here has a general withdrawal fee of Euros 5.
Both cards make the debit transfer right after the withdrawal / payment from the current account (debit system).
3. The overdraft facility
Who wants, can apply for the overdraft facility right after the account opening (can also be made at any time later – if the application on overdraft facility should be rejected first, one has a new chance after every 6 months).
Interestingly, one gets an overdraft facility granted immediately at the ING-DiBa – provided an appropriate creditworthiness. One does not have to wait several months, as usual in some other banks, until the salary payments are credited to the account.
Better yet: At the ING-DiBa, the incoming salary payments to the account are not necessary at all! Thus, you can have a correspondingly large overdraft facility at two banks! However, and this is understandable, the bank wants to see how much money you earn. At an application for the overdraft facility, one submits a copy of the latest pay slip.
Whether you apply for the overdraft facility right at account opening or save the option for later is entirely your decision.
“Free current account with great features”
… open my new account now!
Questions about the current account of the ING-DiBa?
Since the 28th of January 2008, I have my own free current account and the two cards of the bank. Even if I do not use the account regularly due to other banks that I present on our special portal (back then, I have set it up as an emergency account), I or my team are glad to answer your questions about the account opening and use via the comments box.
Moreover, I have created a step-by-step instruction here for you, so that you can apply for the account easier. Useful?
Of course, I would be especially thankful for support by dedicated readers and account holders. Thank you for being with DeutschesKonto.ORG!