Instructions in German / English for opening a current account at the ING-DiBa

Open the ING-DiBa bank account

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!

ING-DiBa

ING-DiBa-account free of charge!

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:

Hinweise zur Kontoeröffnung bei der ING-DiBa

Note on the account opening as a joint account: both account holders must be partners and reside at the same address.

Erklärung zur Kontoeröffnung bei der ING-DiBa (persönliche Daten)

Note at the field birth name: if you have changed your last name in the course of life (e.g. through a marriage), then please state your former family name in this field. If this name stayed the same, then the field remains free.

Kontoeröffnung mit ausländischer Staatsangehörigkeit

Please choose your citizenship in German language. As there are about 200 countries, we cannot show all of them translated.

Kontaktdaten zur Kontoeröffnung eingeben

Note on entering the e-mail address: the e-mail address is necessary for the account opening. The bank will inform you for free about services and products, as well as interesting facts about finances. You can refuse to have contact via e-mail anytime.

Wo sind Sie steuerpflichtig?

Please note that the ING-DiBa currently only opens current accounts, if you have a place of residence / address in Germany. Most often, you are taxable in the city, where you live. However, this is not always the case and therefore you can state the tax-country already at the ING-DiBa account opening.

By clicking on “ÜBERNEHMEN” (submit), you go to the next page:

Angaben zur Bonität bei der Kontoeröffnung

Use our tips for the right filling in the next section.

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.

    Lohnabrechnung Deutschland

    Section from a German standard salary slip.

    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.

Angaben zum Beruf bei der Kontoeröffnung

If you are currently unemployed, then it would be a good idea to open the account at a later point of time. This is the “lowest” position at the creditworthiness check.
The bank is often interested in how long you are already having this professional status. For this, a field for the date opens.
At some professional groups, the ING-DiBa is interested in a further division. These are statistical statements that do not affect at all or almost do not affect the creditworthiness assessment.

By clicking “Übernehmen” (submit) you go to the next page:

Dipsokredit bei Kontoeröffnung

You can find explanations of the statements in the following paragraphs.

  • Overdraft facility

    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:

Persönliche Angaben bei der Kontoeröffnung überprüfen

… if you notice a mistake, please click on “ändern” (modify), to correct the entered data.

Consequently, you can agree to the terms and conditions of the bank. Please tick the box. Otherwise, no account can be opened for you.

Online-Kontoeröffnung bei der ING-DiBa

Both boxes must be ticked to open the account!

  • 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:

Letzter Teil der Online-Kontoeröffnung 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

Done!

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

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!

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Who writes here?

Someone who gained experience with more than 100 banks in more than 20 countries during the past 15 years. My name is Gregor and if you click to continue you can find out why I am here and what this site is for ⇒ continue.

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