Germany · Credit institution
ING-Diba AG
ING-DiBa AG is a German stock corporation (Aktiengesellschaft) with its registered seat in Frankfurt am Main. ING Holding Deutschland GmbH owns all of its shares, and ING Groep N.V. of the Netherlands is the ultimate parent. Trading as ING Deutschland, the bank offers current accounts, mortgages, savings, consumer loans and securities without a branch network. It also provides business banking for small and medium-sized enterprises and wholesale banking for large corporate clients. It describes itself as the third-largest bank in Germany, with more than 10 million customers.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- ING
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2011
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- ING-DiBa AG
- Entity type
- Credit institution
- Supervised group (ECB)
- ING Groep N.V.
- Why significant
- Size (Total assets above EUR 1,000 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- ING-DiBa AG
- RIAD code
- DE00067
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Federal Financial Supervisory Authority (BaFin) | 1961-07-10 | A1 A2 A3 A4 A5 A6 A7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- INGDDEFFXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under INGDDEFF directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS
- Branch codes
- 4 branch codes
- BIC first registered
- 1998-12-05
- Last updated
- 2020-10-08
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% ING Holding Deutschland GmbH
Institution type
Digital bank
Trades as ING Deutschland
- Standing
- ING Deutschland GmbH was merged into the bank. The merger was entered in the commercial register on 31 July 2025, with retroactive effect from 1 January 2025.
- Ownership
- ING Holding Deutschland GmbH holds 100% of the share capital, and ING Groep N.V. is the ultimate parent.
- Direct parent
- ING Holding Deutschland GmbH ↗, Germany 100%
- Ultimate owner
- ING Groep N.V., Netherlands
- Head office
- Theodor-Heuss-Allee 2, 60486 Frankfurt am Main, Germany
- Company register
- HRB 7727, Amtsgericht Frankfurt am Main
- Former names
- Allgemeine Deutsche Direktbank Aktiengesellschaft · BSV Bank für Sparanlagen und Vermögensbildung Aktiengesellschaft · Bank für Sparanlagen und Vermögensbildung Aktiengesellschaft
Business lines
The bank runs a retail direct bank without branches. It also offers business banking for small and medium-sized enterprises and wholesale banking for large international corporate clients under the ING Wholesale Banking Germany name.
Online
- Websites & references
- ing.de ↗
ingwb.de ↗ ING Wholesale Banking Germany (corporate clients business of ING-DiBa AG), linked from ing.de
Wikipedia ↗ group article
Wikidata Q133823758 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗
Sources · 12 pages consulted
- ing.de/ueber-uns/unternehmen/impressum/
- ing.de/ueber-uns/menschen/vorstand/
- ing.de/dokumente/uber-uns-unternehmen/investor-relations/hgb-jahresabschluss-2025/
- ing.de/ueber-uns/unternehmen/
- ing.de/ueber-uns/unternehmen/investor-relations/
- ing.de/ueber-uns/unternehmen/kyc/
- ing.de/ueber-uns/presse/
- ing.de/
- ing.de/ueber-uns/presse/pressemitteilungen/personelle-veranderungen-im-vorstand-der-ing-deutschl
- ingwb.com/en/service/our-international-network/emea/germany/legal-information-impressum
- lobbyregister.bundestag.de/suche/R002164
- en.wikipedia.org/wiki/ING-DiBa
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Lars Stoy Vorstandsvorsitzender (Chairman of the Management Board, Chief Executive Officer)
- Chair
- Susanne Klöß-Braekler Vorsitzende des Aufsichtsrates (Chair of the Supervisory Board)
- Chief financial officer
- Nurten Spitzer-Erdogan Mitglied des Vorstands, zuständig für Finance (Chief Financial Officer)
- Executive
- Nikolaus Maximilian Linaric Mitglied des Vorstands, zuständig für Risk (Chief Risk Officer)
- Executive
- Eddy Henning Mitglied des Vorstands, zuständig für Wholesale Banking
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- Germany
- Federal Financial Supervisory Authority (BaFin) Prudential supervisorAML supervisorConductResolution
- Germany
- Deutsche Bundesbank Central bankOther
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
The Frankfurt am Main commercial register recorded the merger of ING Deutschland GmbH into ING-DiBa AG on 31 July 2025.
ing.de ↗ -
Leadership
Daniel Llano Manibardo, head of retail banking, left the Management Board on 31 January 2025.
ing.de ↗ -
Leadership
Lars Stoy became chairman of the Management Board at the start of 2025, succeeding Nick Jue.
ing.de ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- INGDDEFFXXX
- How the BIC breaks down
- INGDBank
- DECountry · Germany
- FFLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3KXUNHVVQFIJN6RHLO76
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Bankleitzahl 50010517
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Germany · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · ING list of 2025
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1965
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- ING Holding Deutschland GMBH · Germany5493007S4JE930SIUE86 ↗
- Ultimate parent
- ING Groep N.V. · Netherlands549300NYKK9MWM7GGW15 ↗
- FSB G-SIB list
- In a G-SIB group · ING bucket 1 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The ING Groep N.V. group has 43 institutions in the directory, in 31 countries: 41 hold a BIC and 2 do not.
Including ING Belgium NV/SA, ING Bank N.V., ING Luxembourg S.A., ING Capital LLC, ING Bank N.V.
See the ING Groep N.V. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- THEODOR- HEUSS- ALLEE 2 FRANKFURT AM MAIN 60486 GERMANY
- Operational address
- THEODOR- HEUSS- ALLEE 2 FRANKFURT AM MAIN 60486 FRANKFURT AM MAIN GERMANY
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its DEBLZ clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>INGDDEFFXXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>50010517</MmbId>
</ClrSysMmbId>
<LEI>3KXUNHVVQFIJN6RHLO76</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>INGDDEFFXXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>50010517</MmbId>
</ClrSysMmbId>
<LEI>3KXUNHVVQFIJN6RHLO76</LEI>
<Nm>ING-DIBA AG</Nm>
<PstlAdr>
<TwnNm>FRANKFURT AM MAIN</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>THEODOR- HEUSS- ALLEE 2 FRANKFURT AM MAIN 60486</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2021-10-20 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-11-01 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2021-10-10 | Head office | — |
| Verification of Payee | 2025-10-09 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Bankleitzahl · Germany
1 code valid until 2026-12-06 · ISO 20022 clearing system code DEBLZ
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 50010517 | INGDDEFFXXX | ING-DiBa | Frankfurt am Main |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 4 branch BICs connect to the head office. They are all in Frankfurt Am Main, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| INGDDEFFDOT | DOTATIONSKONTO | Frankfurt Am Main | THEODOR-HEUSS-ALLEE 2 FRANKFURT AM MAIN 60486 FRANKFURT AM MAIN GERMANY | — | 2020-10-08 |
| INGDDEFFGPC | GLOBAL PROCESSING CENTER | Frankfurt Am Main | THEODOR-HEUSS-ALLEE 2 FRANKFURT AM MAIN 60486 FRANKFURT AM MAIN GERMANY | — | 2020-10-08 |
| INGDDEFFPFA | COVERED BONDS | Frankfurt Am Main | THEODOR-HEUSS-ALLEE 2 FRANKFURT AM MAIN 60486 FRANKFURT AM MAIN GERMANY | — | 2020-10-08 |
| INGDDEFFTSY | TREASURY | Frankfurt Am Main | THEODOR-HEUSS-ALLEE 2 FRANKFURT AM MAIN 60486 FRANKFURT AM MAIN GERMANY | — | 2020-10-08 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Germany (Quelle: Deutsche Bundesbank).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
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