Direktbank: ING Deutschland: Kreditkarte kommt zum Weihnachtsgeschäft
Die ING will noch vor Weihnachten eine eigene Kreditkarte auf den Markt bringen. Was Kundinnen und Kunden außerdem beim Girokonto erwartet, erklärt der Chef der Direktbank.
ING Deutschland, the German subsidiary of the Dutch bank ING, aims to close a significant gap in its offerings by launching a credit card this year. ING Deutschland CEO Lars Stoy announced this goal during a recent interview with the Deutsche Presse-Agentur in Frankfurt. Stoy, who has been leading the 100% subsidiary of the Dutch banking giant since January 2025, had previously hinted at a credit card solution in early 2026.
The management emphasized that this initiative is a top priority, as many customers have been frustrated by the absence of a real credit card for use during overseas travel.
The ongoing discussion surrounding the discontinued offering of a free Girokonto has also prompted ING Deutschland to consider the future of this service. The management believes that the bank's strong reputation in the Girokonto market is a key factor in attracting new customers. Stoy stated that they intend to maintain this competitive advantage by continuing to offer a robust Girokonto model. They are currently working on designing future account offerings, with a tentative rollout planned for the middle of 2027.
ING Group is currently implementing a unified Girokonto structure across all its markets, with four distinct models. However, the free Girokonto has become less common in many banks. At ING Deutschland, a free Girokonto without fees is only available if the account holder has monthly deposits of at least 1,000 euros or if the customer is under 28 years old. In other cases, the bank charges a monthly fee of 4.90 euros.
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