ING Germany review

Updated September 28, 2026 · AffCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ING Germany pays a flat fee for each referred current account, which suits publishers whose audience already shops for a bank in that market. At 50 EUR per referral the payout is easy to model, but a single market and no recurring commission cap the ceiling for long tail earning.

Key facts

Best for
Publishers with a current account audience in a single market, single country, who want a simple payout per referral.
Commission terms
50 EUR per referral (Source, checked September 26, 2026)
Recurring commission
No (Source, checked September 26, 2026)
Payout per sale or signup
€50 (Source, checked September 26, 2026)
Verticals
Banking (Source, checked September 26, 2026)
Pricing model
CPA
Features
Referral program
Region
Single country
Official website
ing.de

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • A clear fee to quote, 50 EUR per referral, on a cost per action model, cpa, that publishers of banking content already know how to promote.
  • The referral format, referral, fits banking explainers and comparison pages where a friend is being introduced rather than a checkout tracked.
  • Cost per action is the norm in this group, since 93.2% of the banking and fintech programmes in the directory pay that way.

Cons

  • Recurring commission is no, so a referred account pays once and every further payment needs a new referral.
  • Coverage is a single market, single country, so traffic from anywhere else has no offer behind it.
  • The only vertical in scope is banking, so a lending or investing campaign sits outside the programme.
ING Germany

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Scored 8.9 / 10 by AffCue.

Who it suits

  • Publishers whose readers are opening a current account and value a predictable fee.
  • Sites in single country that cover banking products for a single market.
  • Anyone whose content recommends a bank rather than tracks a sale, since the feature is referral.

Who should look elsewhere

  • Qonto, if you want a bonus on top of a registration fee: CPA per registration plus KYB bonus.
  • Mintos, if you want a lead fee alongside the account payment: Hybrid lead and CPA commission.
  • Admitad, if you would rather earn a share of each sale: 5% per sale.

Commission and cookie

ING Germany pays 50 EUR per referral under a cost per action model, cpa, meaning the fee is tied to a referred account rather than to a share of revenue. Recurring commission is no, so an account pays once and then stops. Budget for single conversions and treat the referral link as the whole offer.

How ING Germany compares

Where ING Germany is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does ING Germany pay for a referral?+

ING Germany pays 50 EUR per referral for a referred current account, booked on a cost per action model, cpa. It is a flat amount per qualified referral, not a share of what the account spends or earns later.

Does the commission keep paying every month?+

Recurring commission is no. Under the cost per action model, cpa, a referred account pays once and then stops, so each new payment depends on a fresh referral rather than on a growing monthly tail.

Which market can this programme be promoted in?+

The region is listed as single country, so the offer is aimed at a single market rather than a worldwide audience. Readers outside that market have no local account product to be referred to, and the only vertical in scope is banking.

Is it a referral programme or a tracked link?+

The feature is listed as referral, so the commission attaches to an introduction rather than to a tracked checkout. The fee of 50 EUR per referral follows the account opening, which suits content that recommends a bank to a friend.

Who gets the most out of this programme?+

Publishers with an audience already hunting for a current account in that single market, single country. The fee is a clear figure, 50 EUR per referral, so it is easy to forecast, and the cpa structure fits banking explainers and comparison pages.

How does it compare with Qonto?+

Qonto runs CPA per registration plus KYB bonus, which adds a bonus to the registration fee, while ING Germany pays 50 EUR per referral for a referral. If your readers run a company rather than open a personal account, that bonus is the part worth checking.

Can I promote lending or investing offers with the same link?+

Only banking offers are covered, so a lending or investing campaign does not fall under the same terms. Commission of 50 EUR per referral applies to the current account referral, the only product listed for this programme.

Is cost per action common for this kind of programme?+

Yes. 93.2% of the banking and fintech programmes in the directory pay cost per action, and ING Germany sits in that group with cpa. What sets it apart is the referral format, referral, and a flat fee rather than a tiered one.

Sources

  • ing.de/girokonto checked September 26, 2026

    Backs: Verticals

  • ing.de/girokonto/kwk checked September 26, 2026

    Backs: Commission terms, Payout per sale or signup, Features, Pricing model, Recurring commission, Region

    “50 EUR Gutschrift”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Cookie window, Networks.

ING Germany

ING Germany

Publishers with a current account audience in a single market, single country, who want a simple payout per referral.

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