ING Bank loans 2026
An editorial ING Bank product file based on official pages. Current examples, ended validity periods and figures being rechecked are separated explicitly.
ING Bank application channels
ING Bank points applicants to its official page, the Home Bank app or a branch, depending on the product. A simulation or preliminary reply is not an approval. Before signing, compare APR, total payable and the costs in the SECCI or ESIS issued for your file.
Official examples and verification status
Editorial check: 10 August 2026.
We reopened the ING Bank sources on 10 August 2026. APR is shown only where the official page still provides an identifiable representative example; a missing percentage means the previous figure was not reconfirmed.
A representative example is not a personalised offer.
About ING Bank
ING Bank Romania operates in Romania as a branch of an EU bank, registered by the BNR under RB-PJS-40-024. Authorisation remains with the home state. ING Bank is part of ING Group, an international financial institution.
At ING, the four categories connect to the Home Bank flow. Check the loan cost separately from the account conditions used for salary payments.
What is currently comparable for ING Bank
The Kreditano catalogue contains 3 active ING Bank product identifiers: Personal loan, Mortgage, Credit card. In the reopened sources, 3 examples were reconfirmed, 0 had ended validity periods and 0 figures remain unchecked.
What ING Bank assesses
ING Bank decides eligibility using income, existing commitments, payment history, age at maturity and product rules. We do not publish one universal threshold because consumer loans, cards, refinancing and mortgages follow different conditions.
Sources used for ING Bank
The data on this page is based on the following sources:
• ING Group: 2024 annual report
• National Bank of Romania (BNR): register, regulations
• National Authority for Consumer Protection (ANPC): credit consumer rights
Questions about ING Bank products
Which ING Bank costs were reconfirmed?
The cards above separate reconfirmed official examples from products for which we do not yet publish a new percentage. Sources were checked on 10 August 2026.
Can I repay an ING Bank loan early?
Yes, per GEO 50/2010 art. 67. The fee is legally capped at a maximum of 1% of the early-repaid amount if more than 12 months remain, 0.5% if the remaining period is under 12 months, 0% for loans with variable rate indexed to IRCC. For the calculation, see the early repayment calculator.