100% online
No Spanish ID required
Send and receive money instantly between friends or businesses with Bizum¹
Free national and international transfers (SEPA zone)²
One app to control everything
Pay with Google Pay or Apple Pay³

Manage your finances wherever, whenever: You can easily manage your finances on your phone. Checking your balance, transferring money, you can do it all in the ING app. You literally have your bank at your fingertips!

Cuenta NoCuenta or Cuenta NÓMINA?
Two accounts to make your life easier.

Cuenta NoCuenta

An account that doesn’t ask you for anything! No salary or income

No commissions⁴ and no permanence
Perfect for you if you like to buy online or pay with your phone
Open it in 5 minutes and close it whenever you want with JUST one click
Start using your card immediately and for free⁵
It’s clear: this is the account for you if you are looking to enjoy without compromise.

Use the coupon code STUDENTFY20 to receive 20€ in your account for free

Cuenta NÓMINA

An account that gives you everything you need

Enjoy a world without commissions⁶ just by bringing your salary or monthly income of at least €700
Have all your cards for free⁷. Your wire transfers as well²
Withdraw money on debit at thousands of ATMs... and from shops!
You don't have payroll or income? Don't give up any benefits for only €3 per month⁶
And also, buying online with ING has many advantages and is safer than ever

Get back your money

Is there an unauthorized purchase? Or your order is lost? Or it arrived damaged? You can ask for your money back³

Don't lose sight of your card

Netflix, Just Eat, Amazon, Spotify, … Manage your subscriptions, activate or block your upcoming payments. You won’t need to change your payment details every time your card expires

Manage your online payments

You are in control of your payments! Turn on and off your online payments and control your purchases

Open your ING Account online and have your bank at your fingertips

Disclaimers and legal texts

English:

In order to send and receive money through Bizum, it will be necessary for both (both sender and receiver) to be registered with the service.
Free national and international transfers in euros (SEPA area). On the day available for nationals (SEPA zone) made before 1:00 p.m. and for internationals (SEPA zone) made before 10:30 a.m. (peninsular time from Monday to Friday working days). ING undertakes to comply with the established deadlines, except fortuitous cases or force majeure not attributable to the Entity. In order to send and receive money through Bizum, it will be necessary for both (both sender and receiver) to be registered with the service.
See the Terms and Conditions of the Google Pay mobile payment service.
TIN 0% and APR 0%. A maximum of 3 accounts per owner is allowed.
The virtual card does not carry a commission for renewal, maintenance or issuance.
TIN 0% and APR 0%. To be able to enjoy the advantages of the PAYROLL Account for free, it will be necessary to have a direct deposit of the payroll, pension or unemployment benefit or a monthly income of at least €700 per month. In the event that the client stops direct depositing the salary, pension or unemployment benefit or does not have a monthly income of at least €700, an account maintenance fee of €3 per month will be charged. TIN 0% and APR: -0.718%. For a case in which an average daily balance of €5,000 is maintained constantly for 1 year, applying an account maintenance fee of €3 per month (€36 per year).
ING does not charge commissions for renewal or maintenance or for issuing a credit or debit card as long as the client has a payroll, pension or unemployment benefit or a monthly income of at least €700. Otherwise, the client must pay an account maintenance fee of €3 per month to be able to enjoy the free debit and credit cards. The granting of the credit card will be subject to prior favorable risk analysis by ING.
The anti-fraud protection will be applicable to the cases in which the cardholder has complied with his legal obligations, provided for in the Service Provision Contract that you will find on our website.
Check the terms and conditions of the AXA Partners insurance for online purchases over €30 in your Customer Area, Legal Info, Annexes and claims.

Español:

Para poder enviar y recibir dinero a través de Bizum, será necesario que ambos (tanto emisor como receptor) estéis dados de alta en el servicio.
Transferencias en euros nacionales e internacionales (zona SEPA) gratuitas. En el día disponible para nacionales (zona SEPA) efectuadas antes de las 13h y para internacionales (zona SEPA) efectuadas antes de las 10:30h (hora peninsular de lunes a viernes laborables). ING se compromete a cumplir con los plazos establecidos, excepto casos fortuitos o de fuerza mayor no imputables a la Entidad. Para poder enviar y recibir dinero a través de Bizum, será necesario que ambos (tanto emisor como receptor) estéis dados de alta en el servicio.
Consulta los Términos y Condiciones del servicio de Pago con móvil de Google Pay.
TIN 0 % y TAE 0 %. Se permite un máximo de 3 cuentas por titular.
La tarjeta virtual no conlleva comisión por renovación, mantenimiento ni emisión.
TIN 0 % y TAE 0 %. Para poder disfrutar gratuitamente de las ventajas de la Cuenta NÓMINA será necesario tener domiciliada la nómina, pensión o prestación por desempleo o unos ingresos mensuales de al menos 700 € al mes. En el supuesto de que el cliente deje de domiciliar la nómina, pensión o prestación por desempleo o no tenga ingresos mensuales de al menos 700 € se cobrará una comisión de mantenimiento de cuenta de 3 € al mes. TIN 0 % y TAE: -0,718 %. Para un supuesto en el que se mantenga de forma constante durante 1 año un saldo medio diario de 5000 € aplicando una comisión de mantenimiento de cuenta de 3€ mensuales (36 € al año).
ING no cobra comisiones ni por renovación ni por mantenimiento ni por emisión de tarjeta de crédito o débito siempre que el cliente tenga domiciliada la nómina, pensión o prestación por desempleo o unos ingresos mensuales de al menos 700 €. En caso contrario el cliente deberá abonar una comisión de mantenimiento de cuenta de 3 € mensuales para poder disfrutar de las tarjetas de débito y crédito gratuitas. La concesión de la tarjeta de crédito estará sujeta al previo análisis favorable del riesgo por parte de ING.
La protección antifraude será aplicable a los casos en los que el titular de la tarjeta haya cumplido con sus obligaciones legales, previstas en el Contrato de Prestación de Servicios que encontrarás en nuestra web.
Consulta los términos y condiciones del seguro de AXA Partners para compras online superiores a 30 € en tu Área Clientes, Info legal, Anexos y reclamaciones.