ING has launched a global subscription-based retail banking model across its nine consumer markets, encompassing 41 million customers.
The subscription rollout applies to Netherlands, Belgium, Germany, Spain, Italy, Australia, Poland, Romania and Türkiye.
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The structure consists of four plans: ING Go, ING More, ING Extra and ING Max.
The plans bring together standard day-to-day banking services with a range of added features and other benefits.
According to ING, the contents of each plan will differ by country and reflect local customer preferences.
The approach also adds premium options, giving customers the choice of plans with a wider range of banking and non-banking elements.
ING listed possible features including combined debit and credit card packages, added banking and investment services, insurance cover, and partner-based extras such as streaming subscriptions, travel-related features, and loyalty and cashback functions.
After earlier launches in Belgium, Poland and Romania, the bank is extending the model country by country.
The Netherlands began using the new structure today (10 June) as part of the phased launch.
ING said 3 million customers are already on the new plans, including those moved from previous products.
ING private individuals global head Sali Salieski said: “We act when we see an opportunity to create value for customers. Following extensive customer research, they told us they want everyday banking to be simpler, designed around their lifestyle and with more flexibility. That is exactly what we are delivering – banking that adapts to life, not the other way around, and plans that bring customers more value from everyday banking.
“With over €600bln in Retail banking customer deposits, the move marks an important step in our strategy to evolve from product-based banking towards more relationship-based customer propositions, combining banking, protection and lifestyle benefits within a single offering. The model is also aligned with our strategy to scale across markets, with the flexibility to stay relevant locally.”
Meanwhile, in April, ING called off the planned disposal of ING Bank (Eurasia) JSC to Global Development JSC.
The Dutch lender had announced the transaction in January 2025, agreeing to transfer its Russian operations to Global Development JSC, a Russian firm owned by a financial investor based in Moscow with experience in factoring.
“Our position remains unchanged: we see no future for ING in Russia and remain focused on ending our activities in the Russian market. We are assessing the next steps to achieve this goal,” ING said at the time.
