ING Bank Romania — Обзор и услуги (Румыния)

ING Bank Romania — Overview

ING Bank Romania is the Romanian subsidiary of the Dutch multinational financial group ING Group. Operating as a full-service bank in Romania, it focuses on both retail and corporate clients and is widely known for its digital-first approach to banking, combining a broad product range with an emphasis on mobile and online channels.

Brief history and founding

ING Group, headquartered in the Netherlands, expanded into Central and Eastern Europe following the economic transitions of the 1990s. ING Bank Romania was established as the local arm of the group to serve the Romanian market. Over time it developed a significant retail franchise and corporate business in Romania, leveraging ING Group’s international experience and digital banking expertise. As a member of the ING banking network, the Romanian subsidiary has integrated global best practices while adapting products to local customer needs.

Type of bank

ING Bank Romania operates primarily as a universal bank with a mix of business lines:

• Retail banking: current accounts, savings, mortgages, personal loans and cards aimed at individual customers.
• SME and corporate banking: business accounts, working capital and investment loans, trade finance, and cash management services for small, medium and large enterprises.
• Digital banking: a strong emphasis on online and mobile services, often positioning ING as a digital-first or direct banking alternative to traditional branch-centric banks.

It does not primarily position itself as a boutique investment bank; however, it provides financing and treasury services that support corporate and institutional needs.

Key services offered

ING Bank Romania’s product range covers the typical offerings of a universal bank, with particular attention to user-friendly digital delivery:

• Personal accounts: current accounts with debit cards, digital banking access (mobile app and internet banking), salary accounts and packages.
• Savings and deposits: term deposits, flexible savings solutions and competitive interest rates on deposit products, often promoted through the bank’s online channels.
• Consumer lending: personal loans, overdrafts, and financing for appliances or consumer goods, along with repayment flexibility depending on client profiles.
• Mortgages and real-estate loans: home loans for purchase, refinancing and renovation, with various tenors and currency options subject to eligibility and underwriting criteria.
• Business banking: transactional accounts, cash management, payment services, merchant acquiring, working capital loans, investment loans and tailored financing for SMEs and corporate clients.
• Cards and payments: debit and credit cards, contactless payments, international and domestic transfers, SEPA payments and other payment solutions.
• Treasury and FX: foreign exchange services, hedging tools and liquidity management for corporate clients.
• Digital services: comprehensive internet ba