ING

Across retail, commercial banking, and digital finance, ING is known as a major European banking group with a strong emphasis on online and mobile services. Its everyday offering includes current accounts, savings, payments, and lending, with business banking for companies as well as personal accounts. By our assessment, its digital-first approach makes routine banking accessible without making branch visits the centre of the experience. That convenience comes with the familiar limits of a large bank: products, fees, and account features vary by country, and complex issues may still require direct support. ING belongs alongside established full-service banks, rather than app-only payment services, because it combines deposits and lending with day-to-day transactions. The app is central to checking balances, moving money, and managing cards.