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ING Flexible Savings Account: Tagesgeld (Extra-Konto) Review 2026

Settle in Germany Banking Savings Flexible Savings Accounts ING Tagesgeld (Extra-Konto)

Christian

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In a nutshell:

  • The “Tagesgeld (Extra-Konto)” is a flexible savings account offered by ING.
  • It pays a top interest rate of 2.75% annually.
  • Savings are protected under the national deposit insurance scheme of Germany.

Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by ING.

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Logo ING

ING
Tagesgeld (Extra-Konto)

€ 137.50
est. interest

2.75%

annual percentage yield

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How much interest does the ING Tagesgeld (Extra-Konto) pay?

ING offers the flexible savings account "Tagesgeld (Extra-Konto)" with annually interest payouts. The promotional interest rate of 2.75% is valid for 4 months. This interest is applicable for account balances of at most 250,000 euros. The regular interest rate is 0.75%.

Who is behind ING?

ING in Germany (formally known as ING-DiBa) is the German retail arm of the Dutch ING Group. ING Group is part of the world’s biggest banks, consistently ranking among the global top 30. With approximately 10 million customers, ING has grown into Germany’s largest online bank. They offer everyday banking, savings and deposit accounts, mortgages, consumer loans, and investment services. The bank emphasizes digital, low-cost products and an easy-to-use mobile app for retail customers.

How safe is my money with ING?

ING’s German entity participates in Germany’s statutory deposit guarantee (Entschädigungseinrichtung deutscher Banken) protecting deposits up to 100,000 euros per depositor. Germany holds the top sovereign credit rating of AAA. ING Germany also participates in additional voluntary protection schemes used by large German banks, which increases protection to 5 million Euros per client. In addition, customers can rely on ING Group's international reputation as one of the leading banks worldwide.

How can I manage the Tagesgeld (Extra-Konto) account?

ING provides full online banking and a modern mobile app (iOS/Android) for account management, transfers and product orders. The web interface is German but the mobile app is also available in English. Support for the ING flexible savings account is available via phone, secure messaging and online help pages.

How can I open the ING Tagesgeld (Extra-Konto)?

You can open an ING Tagesgeld (Extra-Konto) or other accounts online. Identification is required via VideoIdent, PostIdent, or an electronic German ID card with eID functionality. Applicants for a flexible savings account must reside in Germany. There are special savings account types available for minors. For payouts from your Tagesgeld (Extra-Konto), you require a current account with a valid IBAN.

Click here to get your ING flexible savings account!

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

Disclaimer: This blog and providing support are my passion and hobby. However, I do not intend to provide financial advice. All investments involve risks of loss. This post is non-binding, for informational purposes only, and does not represent a complete market overview. I do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).

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