Everything you (still) want to know

You will receive the credit if you open your first "Future checking account" with ING by February 28, 2025 and have two consecutive monthly cash inflows of at least 1,000 euros in the first four months. A reduced amount of 500 euros applies to everyone under 28 years of age. The sum can also be received in several installments. For joint accounts, the minimum cash inflow is also 1,000 euros or 500 euros. Cash inflows include wages, salary, pension, child benefit, BAföG, for example. The following do not count as cash inflows: your own transfers, e.g. cash deposits or transfers from ING accounts with identical account holders, sales of securities and credits from direct debits. The cash inflows must be received in your checking account in consecutive months.

ING will transfer your bonus within approximately 7 working days after the second corresponding payment has been received into your interest-bearing call money account, which you already have with ING or - if not - which you will receive free of charge with your current account. You will also receive the credit if you open your first current account directly as a "Future Current Account".

The offer is valid for everyone who has not had a current account or future current account with ING in the last 12 months. The credit does not apply to the activation of the sustainability extension on an existing current account with ING.

By the way: The bonus is tax-free if your other income according to Section 22 No. 3 of the Income Tax Act (including this bonus) is less than 256 euros in the calendar year. Please coordinate the personal effects on your tax return with your tax advisor.

If you use the Future current account as a salary account (incoming money of at least €700 per month) or are under 28 years old, it will only cost you one euro per month. As a bank, ING undertakes to pay 1 euro per month for each Future current account to the support project selected by the customer. If you do not use the account as a salary account and are over 28, an additional account management fee of €4.90 per month will be charged. Both fees will be charged separately in the following month.

You can find all the conditions for the Future current account 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 in accordance with the Girokonto Future sustainability criteria. Specifically, this includes construction financing for energy-efficient properties, social and ecological corporate loans, and green and social bonds.

You can read the exact sustainability criteria of the Future current account transparently on the ING website.

If you have any direct questions about the Future current account , the use of deposits or the account management fee, you can find out more on the ING website. If you have any questions about the funding projects, simply contact us by filling out our contact form here .