ING Germany: Direct-Depot, Young and Junior accounts, securities, savings and managed investing

ING’s German brokerage combines a securities depot with a bank clearing account. The central choices are ownership, age eligibility and whether you want to place investments yourself or appoint a portfolio manager. The Young price applies automatically to eligible individual accounts; Smart Invest is a separate managed service.[39][2][30]

What the Young discount actually covers

A current account is not required simply to hold the depot. ING can open an Extra-Konto as the clearing account; existing customers can select a suitable ING account in their own name.[5]

View full spreads & trading costs

The depot provides exchange-traded and fund-company investments rather than a single limited ETF shelf. Availability is checked at the individual security level: a listed instrument can still be blocked by product information, knowledge requirements or the chosen ownership arrangement.[10][11]

Market reach and routing

ING publishes venue-selection criteria that give price and total transaction costs greater weight than speed, liquidity and settlement likelihood. These describe its routing framework; they are not independent evidence of achieved prices or fill speed.[16]

Compare the order commission, venue fee and any conversion separately. A zero-fee ETF savings purchase can still carry the fund’s running expenses and the spread in the execution price. An ordinary sale usually returns to the standard dealing tariff.[22][7]

Recurring investments, distributions and ancillary costs

Before confirming an order, review ING’s transaction-specific ex-ante cost statement. The selected security, route and service can add costs that a standard commission example does not capture.[11]

ING supports different instructions by market. In Canada the published stop choices are narrower than the US route. Check the available ticket fields before relying on a strategy that needs a particular stop-limit or linked order.[18][17]

Permissions and available buying power

Treat an accepted order, a completed fill and withdrawable cash as separate events. The account can display investment buying power before a sale’s cash value date; moving money out early can have a different result from reinvesting it.[9]

Extra-Konto is a savings and settlement account rather than a general payment account. Its named-reference-account rule matters when planning an outgoing payment; a depot balance is not a card wallet or a means of paying an arbitrary recipient.[6]

Transfers without selling

For a move, compare holdings by identifier, custody location and whole-unit quantity before submitting it. Retain contract notes and tax acquisition records; a completed stock transfer and a complete tax-data transfer are different checks.[26]

ING-DiBa AG is the German contracting bank. The European Central Bank lists it within the directly supervised ING group. The bank’s German terms identify its banking authorisation and national supervision; this does not imply that every instrument is low risk.[43][6]

Account and product safeguards

A crypto ETN is a security issued against a crypto-linked promise or structure. Even where an issuer describes backing by crypto, the investor should read the custody, collateral and redemption terms for that specific ETN instead of assuming direct coin ownership.[20]

Support, complaints and documents

ING describes a usual five-banking-day objective for complaint answers, with interim information when investigation needs longer. That is its published process, not a measured response-time result.[36]

Opening a Junior depot can require evidence of parental responsibility. ING identifies marriage documentation where parental surnames differ, and custody evidence for a sole guardian. These are distinct from each adult’s identity check.[39]

Cash savings and managed portfolios

The Junior account excludes specified higher-risk product groups. Assets belong to the child; the move to adult control is an account-ownership event, not a transfer of the parents’ portfolio. ING’s current accounts, savings and lending services have separate agreements and prices.[41][42][35]

The German bank’s roots date to 1965. ING became its full owner in 2003, and the customer-facing ING Germany brand followed later. Its retail brokerage sits alongside savings, payments and lending; corporate business divisions should not be confused with a private Direct-Depot.[34][35]

Evidence and scope of this profile

The examples use published charges, not sampled executions. Withdrawals should follow the sale’s actual value date.[9][8]

Headquarters

Frankfurt am Main, Germany

Founded

1965

Use the current order cost preview and product documents for the particular security. The profile’s account, service and fee distinctions are intended to make those checks precise; it does not rank the suitability of individual investments.[11]