ING Bank Romania review 2026: the digital-first test after 8 years of progress

Quick answer

• ING Bank Romania is listed in the Trade Register under number J40/5099/1994 and operates as a branch of ING Bank N.V.
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 Trade Register entry 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 Bank N.V. Amsterdam operates in Romania as a branch, not as a locally held subsidiary. The official ING page on deposit guarantees names the entity ING Bank N.V. Amsterdam, Sucursala București. Deposits fall under the Dutch guarantee scheme run by De Nederlandsche Bank, with a 100.000 € limit per client, and Romania's FGDB steps in only as the payout intermediary.

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

the public simulator in 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: competitively listed APRs in the retail segment, per the price list published on ing.ro in June 2026 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."

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 fixed rate, Banca Transilvania publishes representative examples you can compare with the current offer. If you seek a current account without salary deposit and without fees, Revolut Bank Romania stays the closest digital-first alternative by model.

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