Wallets/ing-diba
ING-DiBa (ING Deutschland)
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Overview
ING-DiBa (operating as ING Deutschland) is Germany's largest direct bank by customer numbers + Germany's 3rd-largest bank overall + Germany's most popular bank [1, 2, de-cro]. End of 2024 baseline: 10M+ customers — net 570,000+ new customers added in 2024 (strongest annual increase in over 15 years).
Distinctive ING-DiBa positioning [1, 3]:
- Germany's largest direct bank by customer numbers
- Germany's 3rd-largest bank overall
- Germany's most popular bank
- ING Group wholly owned subsidiary (Dutch ING Group; Euronext Amsterdam: INGA)
- Headquartered in Frankfurt am Main
- 2024 net customer growth: +570,000 (9.4M end 2023 → 9.9M end 2024) — strongest in 15+ years
- 7th largest bank in Germany by 2024 metrics (2.31% market share + total assets grew 5.08%)
- Digital-first institution with limited physical presence
History
1965 — Bank für Sparanlagen und Vermögensbildung (BSV) founded in Germany — distinctive ING-DiBa deepest predecessor entity.
1998 — BHF-Bank acquires BSV → renamed Allgemeine Deutsche Direktbank (DiBa).
2003 — ING Group acquires DiBa — DiBa becomes ING-DiBa.
2004 — ING-DiBa launches as ING Group's German direct-bank subsidiary.
2010 — ING-DiBa mobile banking app launches.
2018 — Rebranded operationally to ING Deutschland (ING-DiBa AG remains legal name).
2024 — 10M+ customers + 570K+ net annual customer growth (strongest in 15+ years) [1].
2025 — Germany's largest direct bank position maintained [1].
Ownership & operator
Operating entity: ING-DiBa AG (ING Group wholly owned subsidiary; ING Group: Euronext Amsterdam: INGA).
Parent (ING Group): ING Groep N.V. (Dutch financial services group; Euronext Amsterdam: INGA; widely held).
Regulators: BaFin (Federal Financial Supervisory Authority) + Deutsche Bundesbank + ECB.
Technical integration
| Layer | Description |
|---|---|
| Channels | ING Deutschland mobile app (iOS + Android; Germany's largest direct bank's primary mobile channel) + ING Online Banking + ING-DiBa cards (Visa + Mastercard) + limited physical presence |
| Identifiers | Email + card number + IBAN |
| DE + EU rails | [[sepa-instant]] (EU SEPA Instant) |
| License | Bank (ING-DiBa AG full German banking license; ING Group wholly owned subsidiary; Germany's largest direct bank by customers) |
| Sub-products | ING Girokonto + ING Extra-Konto (savings) + ING-DiBa Cards + ING Loans + ING Mortgages + ING Investments + ING Wealth + ING Wholesale Banking (corporate) + ING Direct Investment + ING Pension Plan |
| Distinctive direct-bank model: Digital-first institution with limited physical presence; Germany's most popular bank |
Users & growth
- 10M+ customers — Germany's largest direct bank by customers
- Germany's 3rd-largest bank overall
- 2024 net customer growth: +570,000 (strongest annual increase in over 15 years; 9.4M end 2023 → 9.9M end 2024)
- 7th largest bank in Germany by 2024 metrics (2.31% market share + total assets grew 5.08%)
Use cases
German retail + investment + corporate + mortgage banking via ING Deutschland mobile app + ING Online Banking + ING-DiBa cards; SEPA Instant; ING Extra-Konto savings + ING Loans + ING Mortgages + ING Investments + ING Direct Investment + ING Pension Plan + ING Wholesale Banking corporate.
Implementations & partners
Operator: ING-DiBa AG (ING Group wholly owned subsidiary).
Parent (ING Group): ING Groep N.V. (Dutch financial services group; Euronext Amsterdam: INGA; widely held).
Major German banking + direct-bank competitors:
- [[comdirect]] (Commerzbank brand since Nov 2020 legal merger; ~3M customers; UK's largest direct bank competitor; brokerage focus)
- N26 (Germany neobank)
- DKB Deutsche Kreditbank (German direct bank; BayernLB subsidiary)
- Sparkassen + Volksbanken (Germany savings banks + cooperative banks)
- Deutsche Bank + Commerzbank + HypoVereinsbank (UniCredit's German subsidiary) (Germany top banks)
- Trade Republic (Germany neobank-broker)
- Scalable Capital (Germany broker + robo-advisor)
- flatex (Germany online broker; flatexDEGIRO Bank AG)
ING Group international sister entities: ING Belgium + ING Netherlands + ING France + ING Spain + ING Italy + ING Poland + ING Australia (closed 2022) + others.
Regulators: BaFin + Deutsche Bundesbank + ECB.
Fun facts
- Germany's largest direct bank by customer numbers — 10M+ customers.
- Germany's 3rd-largest bank overall.
- Germany's most popular bank (per ING Group positioning).
- 2024 net customer growth: +570,000 (strongest annual increase in over 15 years).
- 9.4M end 2023 → 9.9M end 2024 → 10M+ in 2025.
- ING Group wholly owned subsidiary (Dutch ING Group; Euronext Amsterdam: INGA).
- Headquartered in Frankfurt am Main.
- 1965 BSV predecessor; 1998 DiBa rename; 2003 ING Group acquisition; 2004 ING-DiBa launch; 2018 rebranded to ING Deutschland.
- Digital-first institution with limited physical presence.
- 2024: 7th largest bank in Germany by 2.31% market share + total assets grew 5.08%.
Comparison
| Feature | ING-DiBa | [[comdirect]] (Commerzbank brand Germany direct bank rival; ~3M customers) | [[intesa-isybank]] (Italy's largest bank + isybank under-30/35 digital comparable) | [[bunq]] (EU #2 neobank comparable; NL-headquartered) | [[bbva-spain]] (Spain #2 bank + AI app comparable) |
|---|---|---|---|---|---|
| Operator | ING-DiBa AG (ING Group wholly owned subsidiary; ING Group: Euronext Amsterdam: INGA; ING Groep N.V. Dutch parent) | Commerzbank AG (FRA: CBK; Comdirect = Commerzbank brand since Nov 2020 legal merger) | Intesa Sanpaolo S.p.A. (Borsa Italiana: ISP; widely held + Italian banking foundations) | bunq B.V. (Amsterdam; Ali Niknam + Series A investors) | BBVA (BME: BBVA; NYSE: BBVA; widely held) |
| Type | Germany's largest direct bank by customers + ING Group wholly owned subsidiary + Germany's 3rd-largest bank overall + Germany's most popular bank | Germany direct bank + online stock broker + Commerzbank brand + supermarket retail cash service distinction | Italy's largest bank by total assets + world's 38th largest + 21.5M customers + isybank digital bank for under-30/35 | EU #2 neobank + 30 European countries + flexible crypto staking | Spain #2 bank + 27+ countries + Oct 2 2025 24/7 Bitcoin trading |
| Country | Germany | Germany | IT + 25+ other countries | 30 European countries | ES + 26+ countries |
| Users | 10M+ customers (end 2024); +570K net annual customer growth 2024 (strongest in 15+ years); 7th largest bank in Germany 2.31% market share; total assets grew 5.08% (2024) | ~3M customers | 21.5M total; isybank 1M+ customers (70%+ under-30 + 75% under-35; 55%+ monthly active) | 20M users (end 2025) | ~70M clients worldwide |
| Distinctive | 1965 BSV predecessor; 1998 DiBa rename; 2003 ING Group acquisition; 2004 ING-DiBa launch as ING Group's German direct-bank subsidiary; 2018 rebranded to ING Deutschland; Frankfurt am Main HQ; Germany's most popular bank; digital-first with limited physical presence; ING Group international sister entities (BE + NL + FR + ES + IT + PL) | 1994 Germany's first online direct bank focused on brokerage; Nov 2020 legal merger into Commerzbank AG; supermarket retail cash service + Commerzbank ATM physical infrastructure advantage over pure neobanks; historically Germany's leading online stock broker | 2007 Banca Intesa + Sanpaolo IMI merger; Jun 2023 isybank launch; isybank Italy's most-downloaded app on Apple devices (early Oct 2024); isysalvadanaio digital savings innovation; Thought Machine core banking | 2012 founding by Ali Niknam; Sep 2025 first European challenger bank with flexible crypto staking | 1857 Banco de Bilbao; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin trading |
Status
Active, Germany's largest direct bank by customer numbers + Germany's 3rd-largest bank overall [1, 2]:
- ING-DiBa AG (ING Group wholly owned subsidiary) since 1965 (BSV predecessor) / 1998 (DiBa rename) / 2003 (ING Group acquisition) / 2004 (ING-DiBa launch); 2018 rebranded to ING Deutschland.
- 10M+ customers (end 2024); +570K net growth in 2024 (strongest in 15+ years).
- Germany's most popular bank.
- Headquartered in Frankfurt am Main.
- Digital-first with limited physical presence.
- ING Group international sister entities: BE + NL + FR + ES + IT + PL.
- BaFin + Deutsche Bundesbank + ECB regulated.
Sources
- 1 ING-DiBa AG (Germany) Bank Profile — TheBanks.eu
- 2 ING Group — Wikipedia
- 3 ING-DiBa — Grokipedia
- 4 ING DiBa Review — Banker on Wheels
- de-cro In-corpus:
reports/countries/DE-germany.md
Source
Biography extracted from ing-diba.md. See matrix.md for standards-support matrix if present.