ING review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING is a German bank debit card, not a crypto card, so it suits euro holders who want ordinary Visa spending rather than anyone buying digital assets. The card is issued with a current account run by ING-DiBa AG, and its monthly fee is €0 to €4.90 depending on the account tier.
Pros and cons
Pros
- It is a debit card, so spending draws straight on the current account balance rather than a prepaid balance.
- The card runs on visa, which 57.6% of the brands compared also use, so it is accepted at everyday points of sale.
- Balance and card sit with ING-DiBa AG, so the account and its card are handled by the same bank.
Cons
- Currency conversion of 2.2% is above the 1% median across the brands compared, so foreign spending carries a real charge.
- It sits at rank 173 of 237 on conversion, close to the 2.2% level seen across the field.
- The monthly fee of €0 to €4.90 is a holding cost, while Monzo Flex and Wise list £0 and £0.
Who it suits
- Euro holders in Germany who want everyday Visa debit spending from a current account they already run with ING-DiBa AG.
- Readers who treat a crypto card as an ordinary Visa product and keep digital assets on a separate platform.
- Anyone who prefers one familiar bank card and a debit card balance to a crypto linked account.
Who should look elsewhere
- Crypto buyers who want to spend digital assets, where Bitpanda pairs a card with crypto holdings and a monthly fee of €0.
- Readers who want a card they pay nothing to hold, since Monzo Flex lists a monthly fee of £0.
- Anyone chasing a lighter conversion charge, where Wise lists £0 and is built for holding several currencies.
Fees
The monthly fee is €0 to €4.90, so holding the card is cheap on one account tier and paid on another. Currency conversion is the cost that matters for anyone spending away from home: 2.2% against a 1% median across the compared brands, with ING at 173 of 237 on that measure. Spending in euros avoids the charge.
How ING compares
A monthly fee of €0 on a card built around crypto assets rather than a bank current account balance.
Where ING is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is this a crypto card or a normal bank card?+
It is a debit card tied to the current account, so spending draws on a bank balance rather than on digital assets. Buying or holding crypto is a separate step that this card has no part in, which makes it a different kind of product from the crypto cards compared here.
What does the card cost to keep each month?+
The monthly fee is €0 to €4.90, and which end of that range applies depends on the account behind the card. ING ranks 1 of 379 brands compared on monthly fee, so the account tier is the figure worth checking first.
What does it cost to convert currency on the card?+
Conversion is charged at 2.2%, against a 1% median across the brands compared. That puts ING at 173 of 237 on this measure, so a card used mostly abroad will cost more than one used for euros.
Which card network does ING run on?+
The card runs on visa, and 57.6% of the brands compared use the same network. It is issued with the current account rather than sold on its own, so the network arrives as part of the account relationship.
Which company runs the account behind the card?+
The account and the card are handled by ING-DiBa AG, a bank rather than a crypto platform. Keeping the balance and the card with the same provider means one relationship covers everyday spending, and the card draws on the account balance.
Who does this card suit?+
It suits euro holders in Germany who want ordinary Visa spending from a current account they already keep open. It does not suit anyone hoping to spend digital assets from the card balance, since the card is a debit product with a monthly fee of €0 to €4.90 and conversion at 2.2%.
Does the card pay any reward or interest?+
No reward or interest is listed alongside the card. The charges to weigh are the monthly fee of €0 to €4.90 and the currency conversion fee of 2.2%, and the card spends straight from the current account balance.
Sources
- ing.de/girokonto/konditionen checked September 26, 2026
Backs: Card type, Currency conversion fee, Legal entity, Monthly fee, Card network
“VISA Card [Debitkarte] - Girokonto”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
ING
Euro holders in Germany who want plain Visa debit spending from a current account they already keep.