Bank Index
ING Group
Universal bank · Amsterdam, Netherlands
ING is a Dutch universal bank with retail operations in ten markets, including the Netherlands, Belgium, Germany (ING-DiBa), Poland, Spain, Italy, Romania, Turkey and Australia, and a Wholesale Banking network active in 35 markets. It has more than 620,000 business customers in the Netherlands alone. It is a G-SIB with a 13.1% CET1 ratio at 2Q26. Dutch business packages start at EUR 9.90 per month. ING is a founding member of Qivalis, the bank consortium building a euro stablecoin due in late 2026.
- Legal name
- ING Groep N.V.
- Regulated by
- ECB (Single Supervisory Mechanism), De Nederlandsche Bank (DNB), AFM (Netherlands), APRA (ING Australia), HKMA (Hong Kong branch)
- Licence confirmed
- yes, on a regulator's own list
- Established
- 1991
- Website
- www.ing.com
Scores, 0 to 10
10.0Europe (EU, EEA, Switzerland)
Retail banking in ten markets including the Netherlands, Belgium, Germany, Poland, Spain, Italy and Romania, plus Wholesale Banking in 35 markets, with over 620,000 business customers in the Netherlands · source
8.5Trade, manufacturing & import-export
Top 5 global player in trade finance and working capital solutions with documentary credits, collections, guarantees and the InsideBusiness Trade platform · source
8.5Financial strength & stability
G-SIB bucket 1, CET1 13.1% at 2Q26, ING Bank N.V. rated A+/A2/AA · source
8.0Cross-border payments, FX and multi-currency accounts
Named Best FX bank in the Netherlands and Central and Eastern Europe (Euromoney, September 2025) with a Wholesale Banking network in 35 markets Top 5 in euro clearing and European payments and cash management, Best bank for cash management in Europe and CEE (Euromoney, November 2025), 500 trade and treasury specialists across 27 countries · source
6.5Asia-Pacific (SG, HK, AU, JP, KR)
ING Australia is a licensed retail bank with 1,986 Trustpilot reviews, ING is a fully licensed bank in Hong Kong, and Wholesale Banking covers 12 APAC countries from Singapore · source
6.5Fast digital onboarding
Online application for the business account in the Netherlands, with an online business-loan process featuring instant decisioning and digital signing since 2023 · source
6.0Lowest fees
Entrepreneur Package costs EUR 9.90 per month excluding transaction costs; startup package free for the first six months with EUR 150 cashback · source
5.5Latin America, Africa & South Asia
Retail bank in Turkey and Wholesale Banking offices in Mexico and Asia serving large corporates · source
5.5Startups & VC-backed companies
Startup business package with the first six months free and EUR 150 cashback; startups otherwise treated as SMEs · source
5.0Online businesses: e-commerce and SaaS
Business packages include iDEAL payment requests and accounting links, with acquiring via third parties ING has wholesale banking in 35 countries and retail business banking in the Netherlands and Germany, but no API-first or software-company product was found on the pages opened today. · source
5.0Off-ramp: crypto to fiat in a business account
Secondary sources report that incoming transfers from exchanges to ING accounts are generally not restricted, but ING publishes no source-of-funds process for business crypto proceeds, so the evidence is thin. · source
4.5United States
Wholesale Banking offices in New York, Dallas, Houston and Los Angeles cover large corporates; no US business current accounts · source
4.5Crypto-friendly bank
No published policy on onboarding crypto businesses; ING added five crypto ETPs to Self Invest in the Netherlands and Belgium on 22 January 2026 and opened crypto ETPs to German retail clients in February 2026 · source
4.5Best interest on business balances
Zakelijke Oranje Spaarrekening pays 0.00% to 1.25% depending on balance tier, with no account fee · source
4.5Fintech companies that need a partner bank
No public safeguarding or BaaS offer for payment institutions; ING Developer Portal offers open-banking APIs to SMEs and corporates · source
4.5Business cards (Visa, Mastercard)
ING's Dutch business product pages load only as an app shell without text, so card networks, fees and virtual card options could not be verified today. · source
4.5On-ramp: buy crypto with fiat
ING sells no crypto to companies; a 2026 guide says ING does not block SEPA payments to MiCA-licensed exchanges in the Netherlands, Belgium or Germany, but ING Australia has declined transfers to some exchanges since April 2024, and both claims come from secondary sources. · source
4.0United Kingdom
ING Wholesale Banking operates in London for large corporates and financial institutions; no UK business current accounts · source
4.0Customer satisfaction
Trustpilot TrustScore 2.4 from 4,527 reviews for ING Nederland; ING Belgium holds a 4-star rating from about 1,868 reviews · source
4.0Foreign-owned & non-resident companies
ING lists business banking only in the Netherlands and Germany among its country sites, and the Dutch pages publish no remote path for owners or companies abroad. · source
4.0Bitcoin
ING added bitcoin ETPs to Self Invest in the Netherlands and Belgium on 22 January 2026 and opened about 50 crypto ETPs and ETNs to German retail clients on 2 February 2026, which is price exposure only. · source
4.0Ethereum
Ether is available only through the same retail ETPs, with no direct holding, staking or business access, checked September 2026. · source
3.5High-risk verticals (iGaming, cannabis, adult, forex)
No published policy on gambling, adult, cannabis or forex clients was found on the ING pages opened today. · source
2.0Stablecoins (USDC, USDT and others)
ING initiated the Qivalis euro stablecoin consortium, which had 37 member banks by May 2026 but still no DNB licence in September 2026, so ING offers no stablecoin service today. · source
1.0Crypto wallet and custody for a business
ING holds no crypto for any client; its 2026 crypto products are exchange-traded products with no coin ownership or wallet withdrawals, checked September 2026. · source
1.0Accept crypto payments
ING's merchant commerce offer for businesses covers card and local payment acceptance with no crypto or stablecoin option, checked September 2026. · source
Sources
- ING 2Q2026 press release
- ING credit ratings
- ING: European banks rally behind a euro stablecoin (19 May 2026)
- ING Wholesale Banking: about us
- ING Wholesale Banking: trade finance services
- ING business current account (Netherlands)
- AML Intelligence: ING Spain fined EUR 3.9m (March 2025)
- Trustpilot: ING Nederland
- FSB 2025 list of G-SIBs
- Wikipedia: ING Group
- ING: terminated sale agreement for its Russian business, 7 April 2026
Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.