August 11, 2026, 6:47 am | Read time: 4 minutes
ING is preparing a major change for its retail banking business. In the future, four different account models will replace the current system. The new plans are called ING Go, ING More, ING Extra, and ING Max. In addition to traditional payment transaction functions, the bank plans to offer additional services that go beyond a regular checking account.
Earlier this year, ING surprised many customers when it announced the new subscription model and introduced it in initial countries. The new account models are not yet available on the German website. However, this is set to change: ING Germany CEO Lars Stoy told the dpa that the introduction in Germany is expected to start “mid-2027.” Currently, the bank is still “working on the design of the future account models.”
With this, ING is following a trend where banks are increasingly building their offerings as comprehensive packages. The new models are intended to accompany customers in their daily lives and bundle various additional services. These include, among other things, insurance, discounts, or digital benefits.
Four Account Levels with Different Focuses
The new ING subscription models were initially introduced in the Netherlands and shortly thereafter in Belgium, Poland, and Romania, but are to be expanded to other European countries, including Germany. There is no confirmed pricing structure in Germany yet, but conclusions can be drawn from the Dutch prices. There, the monthly prices are as follows:
- ING Go: 4 euros (basic account with checking account and debit card)
- ING More: 7 euros (additionally includes, among other things, a credit card, a second account holder, and protection against cyber fraud)
- ING Extra: 15.99 euros (additionally includes higher savings interest, a premium credit card with no foreign transaction fees, and Amazon Prime)
- ING Max: 44.99 euros (additionally includes travel insurance, airport lounge access, even higher savings interest, and Disney+)
ING Go serves as an entry-level solution for everyday banking. It includes basic functions related to card and account. With ING More, the bank expands the offering with additional services and more flexible usage options.
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The two higher plans, ING Extra and ING Max, are aimed at people with greater demands on their accounts. These packages include, among other things, insurance services, travel benefits, cashback models, and partner offers. Depending on the market, according to the Dutch ING, streaming subscriptions or mobility benefits are also included.
ING Max bundles the most services and forms the most comprehensive package within the new structure. However, the exact functions included and the cost of each model vary from country to country. The bank adjusts its rates locally.
New Models Already Available in Several Countries
The transition is already underway in several markets. According to the bank, the change affects around 41 million customers in nine countries.
Several million people are already using the new plans. This is also happening through the gradual migration of existing accounts into the new system. For Germany, there is at least a rough timeline: According to ING Germany CEO Lars Stoy, the introduction of the new account models is set to begin in mid-2027. However, what the German versions of Go, More, Extra, and Max will specifically look like is not yet determined. The pricing for Germany also remains open.
Whether there will still be a free checking account from ING in the future, Stoy did not want to reveal. As of now, there is no official confirmation for the future of the free account. At the same time, the bank is likely to proceed cautiously in designing the German models, as Germany is ING’s largest market and an important growth driver. Customers will therefore closely watch what services the new account packages will actually offer and what they will cost in the end.