The ING Future current account

Open a Future current account with ING now and get a €150 credit!*

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Current account with a good cause

The Future current account is not an ordinary account. With the ING account in cooperation with share, you can now easily do good. Your contribution supports social and ecological projects all over the world. And if you open a new Future current account with ING by 30.11.24, you will receive a €150 credit on top!*

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Your contribution

The special checking account

Support a social or ecological project with 1 € per month
With the optional Small Change Plus function, round up every card payment in favor of your favorite project
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

Change Plus function

Activate the Small Change Plus function 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!

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Our share projects

Project pillars
Our projects are as diverse as the people on earth. However, they are similar in one respect: they have a major impact. In addition to projects addressing basic needs such as nutrition, education and hygiene, there are also projects on climate protection.
*Photo: Believe Nyakudjara*

Nutrition

Together with our partner organisations, we are doing something to combat hunger: We enable the provision of emergency food in crisis areas, distribute school meals and ensure that socially disadvantaged people have access to food locally.

*Photo: Tafel Deutschland*

Hygiene
In our hygiene projects, people are provided with hygiene products and the necessary know-how to prevent communicable diseases. Because good health and well-being are basic prerequisites for better development opportunities.
*Photo: Christoph Köstlin*

Education

Everyone has a right to education. Because education opens doors. The educational projects we support provide children with essential things that enable them to attend classes - this includes learning materials as well as meals, hygiene items and classroom equipment.

*Photo: Lea May*

Climate protection
Climate change can be felt and seen everywhere. To counteract it, we are committed to reforestation and the use of land in harmony with nature in our climate protection projects.
*Photo: Eden Reforestation Projects*

Everything you (still) want to know

You have questions and we have the answers.

*How do I receive the €150 credit?

You will receive the credit if you open your first "Future checking account" by November 30, 2024 and pay at least 5 times within the first 4 months with the VISA card [debit card] in stores, online or mobile via Apple Pay and Google Pay. Withdrawals from ATMs are not possible. ING will transfer your bonus to your interest-bearing daily money account, which you already have with ING or - if not - get for free with your checking account.

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.

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.

You can find further information about the campaign here.

How much does the ING Future checking account cost?

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.

With the ING Future current account, do I have to pay more for every purchase paid for with a card?

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.

How are deposits used in the ING Future current account? According to which criteria are the funds used in the ING Future current account?

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.

Where can I contact you if I have further questions?

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 .