ING Bank redefines the current account concept and introduces 3 types of packages with multiple benefits: ING Go, More and Extra

ING Bank Romania marks the transition from the classic current account concept to that of current account packages and introduces, for the first time on the banking market, three options: ING Go, ING More and ING Extra, with additional benefits for current and future ING customers.

The new current account packages are unique locally and include, depending on the package type, critical illness insurance of up to 100,000 lei, 10% preferential interest on money saved through Round Up, support for safe travels, as well as many other benefits designed to provide the most worry-free banking experience.

“At ING Bank, we believe that banking must be adapted to real life, where each customer has the freedom to choose the services and benefits that support their lifestyle. Innovation has always been part of our DNA, from the products and the digital infrastructure through which they are accessed, to the way we simplify the banking experience. The new current account packages are guided by this philosophy: to create value where it matters, saving time and resources for our customers.
At the same time, Romania marks an important first within the ING group, being the first country to introduce the global concept of current account packages for customers in the Private Individuals segment. Therefore, this launch is not only an innovation at the local level, but also a strategic landmark for all the countries in the ING group that own this division.” – Eleni Skoura, Deputy CEO & Head of Private Individuals, ING Bank Romania

The benefits and services included in the new current account packages from ING Bank were validated by a survey conducted by Ipsos for ING Global Research in November of this year. According to it, the most expected benefits by Romanians are: the possibility to make payments and withdraw money without commissions (preferred by 88% of respondents), preferential interest on savings made through Round Up (validated by 80% of respondents), medical insurance against serious illnesses (78%), competitive exchange rates (76%) and travel insurance for the cardholder and his family (74%). The study carried out by Ipsos for ING was carried out in November 2025, at the urban level, on a sample of 1610 people, aged between 18-65.

Critical illness insurance and travel insurance, integral parts of the ING More and ING Extra packages

Insurance for serious illnesses is an essential element in the choice of a potential current account by Romanians, according to the study conducted by Ipsos for ING in November 2025. For 36% of respondents, this is a decisive element in choosing a current account, and for 42% it plays an important role at this stage.

The critical illness insurance provided by ING Bank, part of the ING More and ING Extra current account packages, is available for the account holder and their own children up to 18 years of age. The insurance covers the following risks: diagnosis of cancer, acute myocardial infarction, Alzheimer's disease, total loss of sight, loss of one or more limbs, recommendation to carry out a surgical intervention on the heart valves, at the level of the aorta, organ transplant (including bone marrow) or for coronary bypass. The insured amount for the ING More package is 20,000 lei, and in the case of ING Extra it is 100,000 lei.

Regarding travel insurance, 1 in 3 respondents believe that its existence can play a decisive role in choosing a bank account package. In addition, another nearly half believe that being able to insure their travels, for themselves and their family, is an important argument.

1. ING Go, essential banking services, available free of charge for customers with a minimum monthly income

Built on the ING Card Complet foundation, the new ING Go package meets everyday banking needs, offering customers access to essential banking services without administration fees for those who have a recurring income of at least 700 lei per month.

As part of the new ING Go, customers will benefit from:

• Account in lei included and zero costs for account administration, transfers in lei or euros, withdrawals from any ATM or withdrawals in lei, euros or other currencies
• Higher interest on new deposits and lower interest on loans
• Preferential currency exchange, within the limit of 10,000 lei/month
• Access to the Cashback Bazar loyalty program.

For young people who are between 18 and 24 years old, ING Go does not involve any cost. In the case of customers who are over 24 years old and do not have a recurring income at ING of at least 700 lei per month, the monthly administration fee for the ING Go account is 9 lei/month and, starting from April 2026, it will be 15 lei/month.

ING customers who opt for ING More or ING Extra packages until 31 May 2026 benefit from a free trial period of 3 months from the moment of activation

2. ING More, for those who always want more from banking
The ING More package brings a first on the banking market, combining top banking services with benefits designed to support customers' freedom to enjoy family life or vacations, in complete security.

ING More means:

• Account in lei included and zero costs for account administration, transfers in lei or euros, withdrawals from any ATM or withdrawals in lei, euros or other currencies
• Visa Gold card included
• Higher interest on new deposits and lower interest on new loans
• 10% interest on savings made through the Round Up service
• Preferential currency exchange, within the limit of 10,000 lei/month
• Serious illness insurance for the client and children up to 20,000 lei
• Travel insurance for the whole family and roadside assistance in Romania and the whole of Europe
• 3 free entries per year in the airport lounges in Bucharest, Timișoara and Cluj
• 12% discount on the BlackCab service

The monthly cost for ING More is 39 lei/month.

3. ING Extra, for those who want something extra and choose extra advantages

ING Extra is designed for those who want access to top banking services, insurance and premium benefits, designed to support the freedom to live.

For a monthly cost of 220 lei, ING Extra customers will have access to:

• Account in lei included and 0 costs for account administration, transfers in lei or euros, withdrawals from any ATM or withdrawals in lei, euros or other currencies
• 0 costs for managing foreign currency accounts and transfers in other currencies
• Visa Platinum card included
• Higher interest on new deposits and lower interest on new loans
• 10% interest on savings made through the Round Up service
• Unlimited preferential currency exchange
• Serious illness insurance for the client and children within the limit of 100,000 lei
• Travel insurance for the whole family and roadside assistance in Romania and the whole of Europe
• Free access (Priority Pass) to airport lounges all over the world, as well as those in Bucharest, Timișoara and Cluj
• 15% discount on Black Cab services.

The new ING Go, More and Extra current account packages are available to the bank's customers from December 17, 2025.

Customers who want to access the ING More or ING Extra package will be able to do so directly from Home'Bank or in the agency where they opened their account.
Those who will opt for these packages until May 31, 2026 will benefit from a grace period of 3 months from the moment of activation, during which they can enjoy the benefits without any charge and without any commitment, as they can renounce them at any time.

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ING Bank Romania is part of the ING Group, a global international financial institution, which offers banking services to over 38 million individual clients, companies or institutions in over 40 countries. Established in 1994, ING Bank Romania is currently a universal bank, offering products and services to all categories of customers – large and small companies, financial institutions, small entrepreneurs and individuals. ING Bank Romania is the only bank with an organic growth in the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is a universal bank with over 1.9 million customers from three business segments: individuals (retail), SME & Mid-Corporate companies and Wholesale Banking. ING's mission is to support people to be one step ahead, in life and in business.

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Article supported by ING Bank