5Mo·

The ING Group increases its fees in Germany. $INGA (-0,45 %)

The following changes will come into force soon:

Free current account requires 1000€ cash deposit instead of 700€ as before (otherwise 4.90€/month)
Girocard €1.49/month instead of €0.99 per month
Trading fee on XETRA increases from €1.90 per transaction to €2.90 per transaction
Fees for cash deposits also increase

In return, the fee for share savings plans will fall from 1.75% to 1.5% of the transaction volume.

I have not seen an exact validity date, but my guess is the end of 2024.

#news
#banking

33 Commentaires

Dividende > Zinsen@GoDividend

5Mo

Let's see what the other banks have in store for the new year 😅

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Staatsmann@Staatsmann

5Mo

@GoDividend Fee increases have now been announced by several banks.
In particular in the areas of securities trading and current accounts, or in the case of current accounts, that the monthly cash deposit for the free current account will increase.

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Dividende > Zinsen@GoDividend

5Mo

@Staatsmann therefore. Well, it only affects me semi
I'm pleased about the reduction in savings plans.

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Bowser@Bowser

5Mo

It's a good thing I switched to C24... you even get interest on your current account and everything runs smoothly there. 👌

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Nostradonkey💩@DonkeyInvestor

5Mo

Good, I don't use any of it 👍

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Play R.@Playrio

5Mo

@DonkeyInvestor It's a good thing I'm doing this now weis👍🏻

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Nostradonkey💩@DonkeyInvestor

5Mo

@Playrio reassuring to know that you have read it 👍

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MarTheRadi@marda304

5Mo

From 01.11. I am not very enthusiastic

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Toooom@Toooom

5Mo

@marda304 thought from 1.12

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Staatsmann@Staatsmann

5Mo

@marda304 @Toooom I also read both dates and therefore wrote "end of the year" for the time being.

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MarTheRadi@marda304

5Mo

@Staatsmann I read this yesterday in the Handelsblatt. Now the article actually says 1.12. But it could also be my mistake
https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/girokonto-ing-erhoeht-einige-gebuehren-welche-kunden-betroffen-sind/100065465.html

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Staatsmann@Staatsmann

5Mo

@marda304 Yesterday I also had Handelsblatt with 1.11. Another site wrote 1.12.

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Lama@MLana

5Mo

Hopefully the etf savings plans will also remain free in the tongue
*Future

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Kevin E.@KevinE

5Mo

@MLana Autocorrect has misunderstood something, I suspect 🙃

In any case, I assume that ETFs can still be saved for free (at least most of them, not all ETFs are free).

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Hebel-Horst@DoppelSchlechtMinus

5Mo

@KevinE What do you mean by "not all ETFs are free"? I thought at ING only many ETFs are not eligible for savings plans, but if savings plans are possible, then also free of charge?

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Nostradonkey💩@DonkeyInvestor

5Mo

@KevinE Otherwise, just change depot again to somewhere else 😅

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Kevin E.@KevinE

5Mo

@Dividensenmann Yes, if a savings plan is possible, then it's free. But you can only buy some ETFs from ING individually - and that's not free.

Admittedly, I expressed myself incorrectly above.

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Hebel-Horst@DoppelSchlechtMinus

5Mo

@KevinE All right. I had feared that they were now also operating a confused two-tier society like Consors.

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Lama@MLana

5Mo

@KevinE 🤣🤣🤣damn autocorrect

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mco@mco

5Mo

However, this all requires the active consent of the customer... 😉

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Staatsmann@Staatsmann

5Mo

@mco Well, if you don't agree, there's the termination. 🤷🏼‍♂️
So it's coming either way, whether you stay a customer or not. :)

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mco@mco

5Mo

@Staatsmann Hm, not necessarily, but perhaps it also depends on the bank and how necessary it is for customers. For example, I still don't pay anything for my Visa card at comdirect. They actually also introduced fees 2 or 3 years ago 😉

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Staatsmann@Staatsmann

5Mo

@mco I once had an account with Postbank and simply didn't agree to the new terms and conditions by mistake.
Less than a month after the new terms and conditions came into force, I received the notice of termination by post and was asked to provide an IBAN to which they should transfer the balance.

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René@Booz

5Mo

I think the reduction in the fee for share savings plans is a good thing. The fee for the Girocard is not, although it is of course bearable. We still each have a Girocard. Unfortunately, we still have too many retailers in the area that don't accept credit cards.
The rest is okay for me.

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ashish J.@JaqenH

5Mo

Still don't know why would anyone pay the bank to keep your own money.

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Psychorex@Psychorex

5Mo

I also read that they now charge an additional fee when selling ETFs. (0,25%?)

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Staatsmann@Staatsmann

5Mo

@Psychorex I haven't read anything about that. 🧐
Just the usual percentage fees.

Maybe a special fund?

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Tabularasa@Tabularasa

3Sem.

A few questions...

Question 1:
I have with ING
the custody account and the extra account
But no current account

My girlfriend has the current account and the extra account
but not the custody account.

Now to the question, can we recruit each other, me for the custody account (+50€ bonus)
And you for the current account (€50 for you and €100 bonus for me)?

Question 2:
assuming I change my current account from Sparkasse to ING,... do I have to change all my standing orders myself?

Question 3:
Will incoming salaries be changed automatically?

Question 4:
Insurances, loans everything that others debit monthly/quarterly or annually are they informed and I don't have to do anything?

Question 5:
At the Sparkasse you use PushTan/ChipTan for security, how does that work at ING?

Thank you in advance for your answers

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Staatsmann@Staatsmann

3Sem.

@Tabularasa
1. don't think it works. Only for completely new customers. My better half took the current and extra account and got the bonus. 2 years later the custody account and I got nothing.

2. if it runs via direct debit mandates, it's automatic.

3. must be reported to the employer.

4. insurances see 2. loans I don't know, in the end the lending bank (creditor) would probably have to be informed.

5. you do everything as confirmation via the app. TAN lists have not been around for years. Say web login -> Confirm via the app. Transfer on the web -> Confirm again via the app. If you do it via the app, a code is first used for the login (in my case Face/Touch ID) and for transfers again via a confirmation in the app with a code or Face/Touch ID.

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Tabularasa@Tabularasa

3Sem.

@Staatsmann Thank you very much for the quick and detailed answers

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5Mo

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