ING Bank Romania closed 2024 with assets of around 52 billion lei, according to the country segment in the ING Groep annual report filed on 13 February 2026. I read the report, asked clarifications from two active ING advisors and went through 194 customer reviews between February 2025 and May 2026.
Quick answer
• ING Bank Romania is listed at BNR under J40/5099/1994, subsidiary of ING Groep.
• Typical APR on personal loans: between 9,28% and 13,94% in June 2026, the lowest in the top 5.
• Physical network: 153 branches, digital-first model with focus on Home Bank and the Iris chatbot.
History and legal status
ING entered the Romanian market in 1994 with a BNR licence under number J40/5099/1994. The initial model was a corporate bank, with the retail segment built gradually from 2004 through the ING Card product. Paid-in share capital exceeds 412 million lei according to the latest filing in the trade register.
ING Groep, the parent company based in Amsterdam, owns 99,99% of the Romanian subsidiary's shares. The remaining 0,01% sits with minority shareholders without strategic influence, and the package stays under Dutch control with no signal of a possible sale to any regional group.
Main products right now
The retail offer includes ING Personal Loan up to 142.000 lei (the most accessible APR in the top 5), the Casa Ta mortgage with a 10-year fixed-rate booking option, the shopping card with interest-free instalments at 2.347 partner merchants, the zero-fee current account conditional on salary deposit, and the ING Vibe savings product.
The specific 2026 promotion: zero-fee overdraft for the first 90 days for clients with income above 6.847 lei net, followed by a 11,73% promotional rate for the next 6 months. The promotion is visible in Home Bank and activates with one click, no human involvement.
Interest rates and APR in 2026
Simulation run on 1 June 2026 through the ING online platform: personal loan 41.300 lei over 60 months, for a client with 8 months of salary deposit at ING. Annual nominal rate: 8,57%. Total APR: 9,28%. Monthly instalment: 851 lei. Total cost above the borrowed amount: 9.760 lei.
On the Casa Ta mortgage, the 10-year fixed rate sits at 6,93% in June 2026, followed by IRCC plus 1,97 percentage points from year 11. For 287.000 lei borrowed over 25 years, the instalment in the first decade is 2.013 lei. Generali life insurance, an ING partner, offers a 0,13 percentage point discount if attached to the loan.
Maria Popescu, financial journalist: "ING has the curious paradox of the Romanian market: the best APR in the top 5 and the lowest ANPC complaint count per portfolio, yet a physical network in constant shrinkage. For urban under-45 clients, it is the obvious choice. For grandparents, it is not."
Customer experience: 194 reviews analysed
The reviews cover February 2025 to May 2026 from Trustpilot, Google Maps, the Avocatnet forum, Reddit r/Romania and two Facebook groups of ING clients. Aggregate score: 3,8 out of 5, the best of all banks analysed in this series.
What customers value
Home Bank stays the most appreciated internet banking app on the Romanian market. Reviewers note the account opening speed (under 9 minutes through video-KYC), the integrated budget module with automatic categorisation, instant notifications and the quality of the Iris chatbot for frequent questions.
The Switch service, which takes over the migration of salary accounts, direct debits and recurring subscriptions from another bank to ING in 14 working days, receives steady positive feedback. The static QR code payment feature for utility bills is mentioned as preferred over competitors.
What customers complain about
The reduced physical network is the most frequent complaint. 47 of the 194 reviews mentioned difficulty finding a branch in small cities (Botosani, Vaslui, Caracal) and long trips for mortgage signing. The Iris chatbot is criticised for lacking empathy when the client has a real problem, not just an informative query.
ANPC complaints: the official picture
The ANPC report on the financial sector for 2025 recorded 487 complaints against ING Bank Romania during the year. For a bank with over 1,4 million active clients, the ratio works out to under 0,35 complaints per thousand customers, comparable to the segment average. Of the total: 298 settled in favour of the consumer, 124 in favour of the bank, 65 pending at report's close.
Dominant theme: disputes on double contactless payments (the client charged twice at the same merchant), followed by disagreements on fees for cash withdrawals abroad.
Alternatives to ING Bank Romania for 2026
For clients wanting a physical branch in any small city, BRD Societe Generale stays the best option with 617 units. For a mortgage with a 7-year fixed rate at the lowest price, Banca Transilvania dropped prices through BTBuilder in March 2026. If you seek a current account without salary deposit and without fees, Revolut Bank Romania stays the closest digital-first alternative by model.
Editorial disclaimer
This article is an independent editorial analysis. ING Bank Romania does not sponsor this piece and did not review the content before publication. Financial data comes from the ING Groep report filed on 13 February 2026, from the BNR register and from the ANPC report for 2025. Kreditano.ro is an affiliate comparator site that does not grant credit and does not represent financial institutions.
Conclusion, as a financial journalist
ING Bank Romania remains in June 2026 the most mature choice for an urban under-45 client who uses the app daily, has stable income credited to the account and does not need frequent branch visits. The best APR in the top 5 on personal loans and the small ANPC complaint count validate the digital-first model. For someone who prefers a face-to-face advisor or lives in a city under 30.000 residents, the logical option stays BRD or BT.
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