Do you play with the thought of opening the free current account at the ING-DiBa, but you do not know all the details yet? Good!
We have created a step-by-step instruction with pictures for you on how to open the account online successfully.
In further articles, we introduce you into a clever use of account and cards. At the end of each page, you have the possibility to ask questions.
Step 1: open the account application form online
Please go through this link ⇒ https://produkte.banking.ing-diba.de/pub/girokonto directly to the online application and start with the filling.
Step 2: filling the online form
The procedure of account opening is shown to you here picture by picture:
By clicking on “ÜBERNEHMEN” (submit), you go to the next page:
How to fill the online account application correctly:
Field: monthly net income
The ING-DiBa wants to know, how much money you earn in your job. In the case that you want to apply for a credit line (overdraft facility) on the next page, the bank will ask for a proof of salary anyway. So, it makes sense to take your salary slip and enter the correct amount.
The ING-DiBa does not accept the following net income: paid children support, Christmas bonus, vacation pay, expenses, other one-time payments.
Field: health insurance
More than 90 per cent of German people have a statutory health insurance. If this also applies to you, then choose “Nein” (no).
People with private health insurances are often officers, judges, soldiers, employees with a very high income, some self employed persons and partially also foreigners, who are visiting Germany.
Field: other income
Please enter all further income (cashflow) that you receive per month. This could be e.g. salary of a sideline job or rent income, also payments from private supplementary pensions. Income that you do not receive each month (e.g. yearly dividend payments) is converted into a monthly amount. Income from federal child support is not entered here.
By clicking “Übernehmen” (submit) you go to the next page:
The ING-DiBa offers you to set up an overdraft facility immediately with the account opening. By this, one means the amount up to where you can go into the red. At the same time, it is the credit line on the Visa Card.
Due to the statement on the first pages, the bank calculates the maximum possible amount and shows it to you in bold letters.
You can take this amount and enter it into to field below. If you are satisfied with a lower overdraft facility (e.g. Euros 500), then you state this amount there.
If you do not want to have a credit line, then do not enter anything into this field.
Cards to the account
With the online account opening, you automatically receive two cards:
- 1 Girocard
- 1 Visa Card.
Both cards are completely free of charge for you. You can read later on this page, how to use them optimally: Cash and cards in an overview.
Account management on the Internet
With the online account opening, you agree to manage the account exclusively online. Bank statements are send to the electronic mailbox. You receive the access data by normal mail.
You can also take advantage of the phone customer service.
By clicking on “Übernehmen” (submit), you go to the next page:
Please check on the next page, whether your statements were submitted or taken on correctly:
Consequently, you can agree to the terms and conditions of the bank. Please tick the box. Otherwise, no account can be opened for you.
Explanation of the first tick
By ticking the first box, you confirm that you have the price-performance listing for the current account (you can open and download the documents by clicking on the terms and conditions), as well as the statutory “Einlegerbogen für Anleger” (depositor’s form for investors).
With the current account, a savings account is automatically opened – called Extra-Konto at the ING-DiBa. On the savings account, there is interest on balance, but not on the current account. Rebookings are possible anytime and free of charge in the online banking and are booked immediately.
Moreover, you confirm by ticking that you open the account for yourself (not for otheres).
Explanation of the second tick
In Germany, it is common that current accounts and credit cards are recorded at a central office. This is the Schufa, Germany’s biggest information office for creditworthiness assessments. If you want to open a current account at a German bank, then you have to agree to the Schufa-clause.
The ING-DiBa will query your creditworthiness electronically at the Schufa. If no major negative is recorded about you (e.g. bankruptcy), then the account will be opened immediately after the legitimating in most cases.
The query at the Schufa takes place creditworthiness-neutrally. That means that you do not have any disadvantages through this. With the account opening, the Schufa notes that you have a current account at the ING-DiBa and how high the credit line is.
Through your data, you can ask for a free query at the Schufa. We show you here how this works: sample letter for Schufa-query.
If you want to open the account, then you must agree to the terms and conditions and tick the box.
By clicking on “Ausführen” (implement) you go to the next page:
Now you can print the application. The first page is an instruction, on how it continues: sign and send it by mail to the ING-DiBa.
If you do not have a printer, then you can let the application documents be sent free of charge by mail to you.
Now, you only have to make the statutory legitimating: then visit a branch office of the German post with the PostIdent-Coupon (see graph) taking with you your ID-card or passport. This has the advantage that one can send the signed application documents at once free of charge.
Alternatively, you can use the modern video-legitimating procedure. Herein, you hold you ID document in front of the video camera
If you have reached this point, then you are done!
In the following days, you will receive several letters of the bank by mail. Account number, access data, cards and PINs.
“Open the account at the ING-DiBa now
… free current account in Germany!
Questions on the ING-DiBa-account opening?
My team and I would be glad to help you with your account opening. Please ask your questions on this subject through the comments box at the end of this page. By the way, I myself have a current account at the ING-DiBa since 2008!