Expanded growth without consideration for costs will not be achievable, asserts CEO of ING Germany
In a bid to maintain its lead in the competitive German banking market, ING Germany has announced its product roadmap for 2026. The strategy, centred around a digital-first, sustainable growth approach, includes the launch of a new credit card and a customer loyalty program for active traders.
The new credit card, set to debut in 2026, is part of ING Germany's broader strategic shift towards customer-centric innovation and responsible growth. While the specific features of the credit card have not been disclosed, it is expected to emphasise digital convenience, sustainable practices, and integration with ING's AI-driven services and digital infrastructure.
In addition to the credit card, ING Germany will also be introducing a Junior Current Account for children aged 7–17. This move aligns with the bank's commitment to customer-centric innovation and its digital-first banking model.
ING's focus on digital banking is evident in its customer base. As of the end of June, the bank boasts 2.75 million "Mobile Primary Customers", out of a total of 3.1 million. The bank aims to grow this number by one million per year, with Germany contributing around 30% of this growth.
However, the banking sector is not without its challenges. The decreased interest rates are putting pressure on profits, with ING's pre-tax profit in the second quarter being 381 million euros, around 20% less than the previous year. To diversify its business model, ING aims to change the ratio of interest income to commission surplus.
To reward its active traders, ING introduced a new customer loyalty program in July. This program offers discounts to those who advance to platinum status. Notably, the loyalty program does not have negative consequences for occasional traders.
ING continues to hold the title of the largest digital bank in Germany and aims to maintain this position. As of now, over 80% of ING's results come from interest income, with the rest coming from commissions. The bank is a rather interest-surplus-oriented institution.
As ING Germany moves forward with its 2026 product roadmap, it is clear that the bank is committed to innovating and adapting to meet the needs of its customers in a rapidly changing digital landscape.
What personal-finance benefits can ING Germany customers expect from the new credit card launching in 2026? The new credit card, emphasizing digital convenience, sustainable practices, and integration with ING's AI-driven services, is part of ING Germany's focus on customer-centric innovation and responsible growth, tailored to finance and business needs.
