Incredibly slow if you are coming from abroad and want to start an account. Will not be able to get my first salary paid due to the extreme delay in processing time. 7 weeks and counting.. Can only advice people to choose another bank and not make the mistake I obviously did. Customer service tells you "you can only wait". Thanks, great.
Review by Joycw3 months ago
you have to wait a bit long but it is worth to wait the female employees of ING-Diba is very helpful and friendl. I'm very satisfied. :)
Review by Suerabbetts3 months ago
My wife applied to open a new account here in ING-diba, but after POST-ident procedure they declined application with some weird reasons. Then I tried to contact ING-diba support using form on web-site, to understand what's the reasons for the declining, and they again didn't write any particular reason, just told - it's a combination of a reasons, but what they are - they told nothing. Then I wrote one else e-mail with the question - how can we resolve our issue, can we do anything to resolve? And now they're not answering on this. And we just wanted to open a separate bank account to save our Kindergeld money for our daughter, not a rocket science actually, it's even not a credit or credit card.
Review by Degainge3 months ago
Review by Varujan3 months ago
Very very rude and unacceptable customer service. Will cancel my bank account. Credit card is not working on the internet. They are arrogant and not willing to solve my issue.
Review by MasteritX Madkin4 months ago
Great service, great products, free of charge account, no hassle-logins and free SMS-TAN services. Using them since many years now and nothing to complain about. And they also have a lot of ATMs.
Review by Sylez5 months ago
I have had my account with Ing-Diba for years now and it is one of the better online account options available in Germany. However, I find it unacceptable when changes are made which are stupid and unnecessary such as the TAN verification when logging into my account. This started now, August 2019 and the reason for that is a guideline by the EU. First, a guideline is just that - a guideline. The reason why it is absolutely stupid and unnecessary is that there are / have been already two methods to verify the correct ownership in place. First, you log in with your password (which you can choose to your liking) and after that there is a 6 digit pin number (which you also can choose) and now another one? I travel internationally and don't use my german phone number when doing so. Now, I can't log in anymore because of this! I suppose it is time to change banks. PS: In case someone from the bank reads this: the excuse that it is a guideline given by the EU is NOT ACCEPTABLE! because I am doing business with the bank, not the EU!!!
Review by Pervaz5 months ago
I've had a very bad experience with ING-Diba! For a visa application, I have requested ING-Diba service to send me a bank statement as proof for my financial status. They promised on the phone. BUT after almost two week, despite promising me on two calls, they still aren't able to send me out a paper letter. So of course I had no proof for my appointment, which will lead me to great trouble.
ING-DiBa has surprised me of being so incompetent, so I will never recommend this bank to anyone, and I'm considering changing to N26. Because ING-DiBa has really made me angry, even without explanation or apologize.
Please don't use this bank for this incompetent service!
Review by Temesha6 months ago
Something horrible! They have no idea whar they're talking about or doing. It's simply impossible to behave like this in 2019. They are really unable to open a bank account after 4 weeks and 8 stupid envelopes (!!) they sent. They say they have everything in place somehow works nothing and I get nothing from them. It's a complete waste of time. In Germany their services are AWFUL. I had great experience with ING in Romania, everything went amazingly swift. In Germany all they know is to sent stupid empty of content envelopes.
Review by Chibnall Laquay6 months ago
Extremely rude people working in the Call Service.
Needed to solve some doubts about a letter I received from them. The woman on the phone ask me for a code, I didn't know where to find. Instead of tell me politely where I could found that number she just start screaming at me. And even when I was telling the right code, she just kept yelling at me.
I'm sorry, but with all banks that there are now a days, I have zero interest in being treated like I'm worthless. Starting the research to change my account.
Review by Cru Truninger6 months ago
I was victim of a deception for a lot of money and they claimed they cannot cancel the transaction, even though i have done it with many banks. The customer service didn't help me at all!
Review by VanB Lorandini8 months ago
Horrible customer service.
My voucher didn't work because they didn't programm the website telling customers that vouchers are invalid.
So i contacted the customer service but instead of offering me something they just came with worthless excuses.
Review by Sel Yaroslavskaya8 months ago
Horrible! Horrible customer service!
I have waited over 5 weeks for my bank cards, I have reconfirmed my address twice and my internet banking still doesn’t work.
If I call customer service they tell me all of this is my fault.
I have never been so disgusted in my life!
Please, do yourselves a favor and don’t bank with ING.
If I didn’t know better I’d say the entire organization is a scam.
ING, you disgust me!
How dare you pretend to provide a service?
Review by Anasha9 months ago
I wanted to open an account for depositing my salary. Completed online application and verification. However, after around two weeks, application was rejected. When I asked for a reason, it was not provided. Little more context, I recently moved to Germany for job. I have valid job contract and work permit.
Review by Sarvan11 months ago
I'm a customer of ING-DiBa since more than 10 years, using nearly all of their products and it's very easy to use while it has usually one of the best conditions
Review by Nicloe1 year ago
It's the most inconvenient bank I ever used!
Their two step authentication system, meant to protect bank account from frauds, protects it from one person only - from me myself! Every time you miss a sign, or made a typo in credentials, you have to call to the service center and provide f*ckin' "telebanking" pin (a third password you have to remember - what's wrong with you ing-diba team?!) And the most ridiculous part is, to unlock your on-line access, they send new credentials by postal mail. Isn't it silly for a "digital/on-line" bank?! It's a f*ckin' joke, not a bank you should put you money into unless you're a student whom they provide some extra perks for. Ing-diba has a very positive image and ranking among other banks operated in Germany, but in reality it's a huge disappointment.
Review by Pietje1 year ago
October 2018: New security passwords have beem set up by bank due to som EU rule. You get a letter saying new iTANs will arrive by post. Oh no they don't. Locked out of account! Online query not answered. Great. How do I pay my bills??? Get it sorted ING ASAP !!
Review by PinkDiamond1 year ago
Many thanks to your customer agents!! I am so very impressed with the efficiency your ING-DiBa bank, that I am moving my GIRO account here.
I have been a customer for the past 12 months and can only report a Stellar performance. The security procedures are quite strict, still, I am quite happy with this knowing that my money is safe in your hands. My brother-in-law took out a credit to furnish his new digs. Only took a few days. This is banking in the 21st Century!! Thanks to everybody behind the scenes, who make this fantastic customer experience possible.
Review by Maxisttim1 year ago
Used to love them before they claimed that I carried my PIN in my wallet when it got stolen and my giro card was charged 1000 €. A card that I have not used in several months, so no one could have seen the PIN.
They assume no responsibility for it and reject any support as they claim it is impossible to withdraw money without the PIN, and that I'm at fault.
The card was clearly cracked, which is possible as we know from many reports.
I feel really unsafe with them now, obviously, the system is not safe and my funds are neither.
Review by JDSchmutz Waykole1 year ago
ING Germany is a bank with incredibly poor and slow service. Rude staff, very grumpy. Very difficult to work with. It took three months to put out accounts from one name into two (as a married couple). As a service industry they get
Minus 100 on the score card. Based on the terrible service I received I cannot discourage enough banking with this bank. ING in Holland might be fine but not in Germany. There are plenty of other banks to bank with !!! You have been forewarned !
Review by Gangsik1 year ago
After 1 week, I still did not manage to open an account.
1) I completed the online signup form
2) I followed the legitimation instructions, but it turns out postID does not accept personal ids from all the countries, so I could not use their service.
3) Got in touch with DiBa, where as alternative I was presented to make a visit to one of 3 German cities they have offices in, to open an account. As this is 300km+ away from me, I said that this is not really an option for me. They told me, that then there is nothing they can do, so we agreed to close the account and they would delete all the data gathered in the process.
4) Got an email from DiBa, saying they found an alternative method - webID service - that can accept some countries IDs, which postID can not. Great effort, was excited they showed some flexibility!
5) I finish the legitimation successfully. After a few days, I receive some post with access data, then next post with iTAN list.
6) Try to login to my account, access denied
7) I contact the customer service again and this is when I am informed that my account was deleted due to legitimation issues.
8) I could not believe it, so I call them again, to clear this up.
It turns out that they have deleted my account, at the time I got webID legitimation link. So my dear DiBa, I just want to ask you why?
Poor communication? No clear path to process execution?
10) At that point I said, that I never saw anything like that and that I do not have trust in DiBa anymore and asked them to tell me what data was collected in the process and that I would like them all to be deleted. They said they'll try (GDPR?)....you don't try this kind of things, you do it.
In any case, for a serious player in a fin-tech business, you are way to easy going with serious topics, like customer private data, clarity of processes, transparency of processes, simplicity of processes, ... etc. What caused the most pain was the amount of time I've spent on sorting that out. Well, I though we are sorting things out...
With just what I experienced here, would be very concerned to trust you to manage my finances.
On a positive note, most of the people I've talked to were very friendly. That was very refreshing. Thank you for that.
But friendly, in that case is just not enough...
And in spirit of being proactive, I do believe that this is a series of mis-fortunate events. So I would also like to tell you, how that experience can be improved, if this was the first time you had to deal with this situation (id not accepted by postID).
1) When I signup, I disclose my nationality. That would be a nice chance, to check which web service supports the respective documents and use it.
2) If that already happens, a coherent response from customer service would be nice. But it seems that some seemed sure there is nothing they can do, while others saw an alternative approach.
Maybe you can consider this as improvement to your service.
Review by Bafford Kursitis1 year ago
It is as good as it sounds.
Review by Bafford Groundstroem1 year ago
Hi all, I am currently a user of IngDiba "services" here in Germany. Before I officialy close my account I wanted to write couple of very useful information about IngDiba. First of all, I would like to worn everyone new who is doing a reserch before opening an account here in Germany, to think twice before opening one in IngDiba. The following will provide zou reasons for that:
f you do not speak German, do not even consider this one. I mean, in almost every single bank in this world there are at least few people ready and capable of speaking in English, but not in IngDiba. This must be some kind of a wird policy of the bank. The system in general is so confusing because of all of this online banking pin, pin codes, diba telebanking, internetbanking, tin, tan, tun, 5 numerous password for the app and so many more..so if you are not fluent in German, just elegantly skip this one, this is not for you.
Even if you are able to speak some,you have to be prepared to get in a super difficult&complicated system that can only make you aks yourself why, why would somebody create such a not user friendly system. The app is with an old inteface, providing not that many options, it takes so much time to tell you what's yours current money situation, so if you use the card always, you actually never know jow much money you acctualy left, unless you go to online banking! As a user, you will always have a feeling that in any moment something can go wrong with all of these passwords and pins (happend already couple of times) and that you want be able to acces to your money. So basically each time it happens, you have to call them and have a very complicated conversion in order to set new password for your banking. As you may alreday know, there are no branches that you can go to and speak in person with somebody, it all goes through non face to face conversion that, starting from the 1st of Jun is no longer gonna be for free. So, basically the only thing that has left for you as a client to speak to someone about such basic staff like, why it doesn't work...is goung to be automatically deducted from your account!!!
If you are somebody who is looking for politeness from people that you gave your trust and money to, please forget about this one. You will never get it here, people are very rude, not helpful at all. My Ingdiba experience is the worst so far, and I have had many experiences with other banks.
Inform youself well before you get yourself into this particular bank! I have made a mistake and it is time to go somewhere else and to spread the truth about this one! So far, the worst bank experience that I had!!
Review by Deth Huin1 year ago
I had an account in Germany, but accidently I lost pin passwrod, so I called up the Call Center. And the attitute I recived was unbeliveble ! When I ask the satff if he speaks English？ and he told me if I don't speak German then I shouldn't open up an ING DiBa account here in Germany. Very nice service! Thank you ING DiBa!
Review by Tianchi Evlogieva1 year ago
I wanted to open a student account and I contact the bank to check the requirements. I submitted all required documents and I was waiting for my bank contact and cards which I didn't receive. I called several times following up and the answer was I would receive them in the following days. After one month and a half, I received a letter of rejection without providing logical reasons.