Checking account with a good cause
The Future checking account is no ordinary account. With this account from ING in cooperation with share, you can now easily do good. Your contribution supports social and environmental projects around the world. And if you open a new Future current account with ING by September 30, 2025, you can secure a €100 bonus!*
Your contribution
The special checking account
- Support a social or ecological project with 1 € per month
- Round up every card payment to benefit your favorite project with the optional Small Change Plus feature
- Your deposits are used sustainably by ING
Our Responsibility
Sustainability as a basis
All customer deposits on the accounts are used according to the Girokonto Future sustainability criteria. This means you support your selected funding project and the deposits are used to finance social or ecological company and project loans. You can find out more about this here .
Round up please
Round-up Option
Activate the Round-up Option and automatically round up every purchase you pay for with your card. This way, you also support your funding project with every payment.
Get started now
Even more advantages
- Easy account switching
- Free VISA Card [debit card]
- Withdraw money for free – almost everywhere!
- Get started and do good!
Impact project categories
All funding projects
Here you can find at a glance all the funding projects that you can support.
Protecting forests in Germany and Liberia
Provide access to clean water
Equal opportunities for young people in Germany
Promoting female entrepreneurs in Brazil and Ghana
Vital meals for Somalia and Sierra Leone
Help refugee families on Lesbos and in Ukraine
Promote climate protection and preserve biodiversity
[Completed]
Ensure a safe water supply
[Completed]
Fighting hunger globally
[Completed]
Help refugee families on Lesbos and in Ukraine
[Completed]
Funding projects health and hygiene
[Completed]
Save food for people in Germany
[Completed]
Everything you want to know
ING will thank you with €200 for opening your first current account by November 30, 2025. Your agreement to "Tips for you personally" and two consecutive monthly deposits (even partial ones) within the first four months are all that's needed.
- From age 28: 1,000 euros (also for joint accounts)
- Under 28 years: 700 euros (also for joint accounts with one account holder under 28 years of age)
Incoming payments
These include, for example, wages, salary, pension, child benefit, and student loans (BAföG). The following are not considered incoming payments: transfers from your own accounts, such as cash deposits or transfers from ING accounts, securities transactions, and credits from returned direct debits.
“Tips tailored to you personally”
You can give your consent to "Tips for you personally" in the ING app or online banking as soon as your account is opened. By giving your consent, you agree to receive personalized tips and offers from ING from time to time. This requires the analysis of your personal data and transaction data from your individual accounts. Details about the data analysis and further information, such as how to withdraw your consent, can be viewed in the ING app and online banking. To receive the bonus, you must give your consent within four weeks of opening your account (if you haven't already done so) and not withdraw it before receiving the bonus.
Credit
The payment will be processed approximately 7 business days after the second corresponding payment is received. The funds will be deposited into your existing interest-bearing savings account with ING, or – if not – one will be opened free of charge.
Exclusions
- This offer does not apply if you have had a current account / current account Future with ING in the last 12 months .
- Activating the sustainability extension (Future current account) on an existing current account is excluded.
- This offer does not apply to the Junior current account.
By the way
- The date of application always applies. If, for example, you first had to verify your identity and we were only able to open the account with a delay, you will still receive your credit.
- The bonus is tax-free if your other income according to §22 No. 3 of the German Income Tax Act (including this bonus) amounts to less than €256 per calendar year. Please consult your tax advisor regarding the personal implications for your tax return.
If you use the Future current account as your salary account (minimum monthly income of €700) or are under 28 years old, it will only cost you one euro per month. ING, as the bank, commits to donating one euro per month for each Future current account to the customer's chosen charitable project. If you do not use the account as your salary account and are over 28, an additional account maintenance fee of 4.90 euros per month will be charged. Both fees will be debited separately in the following month.
You can find all the terms and conditions for the Future current account completely transparently on the ING website.
No. You can optionally activate the Small Change Plus function. This means that purchases made with the card are rounded up to the nearest euro or 5 euros. You can also set a maximum monthly amount. 100% of this difference is forwarded to your selected funding project. So you decide for yourself whether and how much of each card payment goes to social and/or ecological projects.
ING ensures that customer deposits are used according to the Future current account sustainability criteria. Specifically, this includes financing for energy-efficient properties, social and environmental business loans, and green and social bonds.
You can read the exact sustainability criteria for the Girokonto Future account transparently on the ING website.
If you have direct questions about the Future current account , the use of deposits, or account maintenance fees, you can find information on the ING website. For questions about the funding projects, simply contact us by filling out our contact form here .
