Updated September 28, 2026 · AffCue Editorial Team
bunq vs ING
Where bunq and ING differ
| Compare |  bunq |  ING |
|---|---|---|
| Commission terms | Up to 60 EUR per verified signup | EUR 46.00 CPL per lead |
| Cookie window | 30 days | 60 daysHigher |
| Networks | Everflow, FinanceAdsCovers more | FinanceAds |
| Payout per sale or signup | €60Higher | €46 |
Same on both: Recurring commission (No), Verticals (Banking).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at ING: 60 days vs 30 days.
- Payout per sale or signup is higher at bunq: €60 vs €46.
- Networks: only bunq offers Everflow.
- Founded is lower at ING: 1991 vs 2012.
- Pricing model: only bunq offers CPA.
- Pricing model: only ING offers CPL.
- Region: only bunq offers Europe.
- Region: only ING offers Single country.
Our verdict on each
bunq
bunq is a banking program for publishers with European audiences, paying Up to 60 EUR per verified signup on a CPA model with a 30 day window. It fits partners who prefer a payout per verified signup over revenue share, though no recurring commission caps the lifetime value of each referral.
ING
ING pays a set CPL for its Conto Arancio offer, so publishers who can deliver a steady flow of qualified banking leads in a single market can count on predictable income. The trade-off is the shape: no recurring commission, a single network, and a window of 60 days.
Availability and regulation
| Country | bunq | ING |
|---|---|---|
| Region | Europe | Single country |
Earnings on 10 sales of 100
bunq
€600
10 × €60
ING
€460
10 × €46
bunq comes out €140 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they score
- Bunq leads narrowly on cost.
- ING leads narrowly on offer.
- Bunq edges ING on trust, 1 facts to 0.
A third option
BlackBull Partners has cookie window at 365 days, against 30 days for bunq and 60 days for ING.
BlackBull Partners reviewWhat we checked
bunq
- bunq.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
- financeads.com: 3 facts, checked September 26, 2026
ING
- financeads.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- ing.com: 1 fact, checked September 26, 2026
How they place
| Ranking | bunq | ING |
|---|---|---|
| Finance affiliate programs | 38 of 425 | 58 of 425 |
| Banking and fintech programs | 8 of 86 | 13 of 86 |
Every fact side by side
| Fact | bunq | ING |
|---|---|---|
| Pricing model | CPA | CPL |
| Features | Direct | Not confirmed |
| Region | Europe | Single country |
| Legal entity | bunq B.V. | ING Groep N.V. |
| Headquarters | Netherlands | Netherlands |
| Founded | 2012 | 1991Lower |
| Support channels | Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | bunq | ING | Median |
|---|---|---|---|
| Cookie window | 30 daysat the median | 60 dayshighest quarter | 30 days |
| Payout per sale or signup | €60above the median | €46below the median | €50 |
Median across 146 listed affiliate programs.
Pros and cons
bunq
Pros
- A published payout of Up to 60 EUR per verified signup, so a partner can forecast earnings per verified signup without waiting on a later sales total.
- The 30 day window matches the 30 day median across programs here, so a standard account opening funnel fits inside it without special tracking.
- Reach in europe through direct availability, which suits publishers with a European banking readership rather than global traffic.
Cons
- Recurring commission is no, so the payout ends at conversion with nothing afterwards; Qonto runs CPA per registration plus KYB bonus and adds a bonus on top of its registration payout.
- Up to 60 EUR per verified signup sets the maximum for a verified signup, so real earnings per referral can sit below the headline figure.
- A 30 day window places bunq at 39 of 129 brands ranked on cookie length here, behind the 90 day longest window in banking and fintech.
ING
Pros
- A fixed rate of EUR 46.00 CPL per lead makes lead value easy to forecast.
- A 60 day window gives comparison style banking content room to convert.
- Banking focus (banking) slots straight into sites already writing about current accounts.
Cons
- Recurring commission is not offered, so an approved lead pays once and nothing follows.
- Only single country traffic earns, so an international audience converts at a lower rate.
- The 60 day window ranks 23 of 129 on cookie length.
Who each suits
bunq
Who it suits
- Publishers with a European readership in banking who can send readers into an account opening and verification flow, since the program is scoped to europe.
- Partners who prefer a predictable CPA line item: Up to 60 EUR per verified signup per verified signup, credited inside a 30 day window.
- Sites that want direct access to the brand alongside network options, since the program is listed as direct and works through Everflow and financeAds.
Who should look elsewhere
- Publishers chasing lead volume: Mintos runs Hybrid lead and CPA commission, so it pays for leads as well as completed accounts.
- Anyone wanting a sales based payout that keeps earning after the referral: Admitad pays 5% per sale, which suits ecommerce traffic rather than bank account reviews.
- Publishers whose traffic sits outside europe, since the program is recorded for Europe and no other market is listed.
ING
Who it suits
- Publishers with steady banking lead volume in a single market who can hit a known CPL.
- Sites that write current account comparisons, where a 60 day window is enough to convert.
- Publishers already inside financeAds who want a finance programme to add to an existing slate.
Who should look elsewhere
- Publishers who need several payout triggers: Mintos pays Hybrid lead and CPA commission rather than a flat CPL.
- Anyone chasing a share of sales: Admitad pays 5% per sale on a different basis.
- Publishers after a registration bonus: Qonto pays CPA per registration plus KYB bonus and adds a bonus for verified businesses.
Country by country
| Country | bunq | ING |
|---|---|---|
| Italy | No | Yes |
Questions about each
bunq
How much does bunq pay for a referred signup?+
The published rate is Up to 60 EUR per verified signup, tied to a signup that completes verification, and the CPA amount behind that figure is €60. The model is CPA, so the payout attaches to the conversion itself rather than to any later balance or spend the account makes. The stated figure is a ceiling, so individual conversions can pay less than the headline rate.
How long is the cookie window?+
The window is 30 days, which is the standard length across most programs here: the median listed is 30 days and the upper quartile 60 days. On cookie length bunq ranks 39 of 129 brands, so a referral that converts after the window closes earns nothing for the publisher.
ING
What does the ING programme pay for a lead?+
ING pays EUR 46.00 CPL per lead on the current account offer, and cpl shows the model is CPL. Payment attaches to the lead rather than to any later account activity, so the rate is easy to plan around but capped at a single payout per lead.
How long is the cookie window on ING leads?+
The window runs 60 days from the click. On the site that is a middle of the pack figure: the median across listed programmes is 30 days and the upper quartile 60 days, so a longer comparison style article should still convert inside the ING window.