Mastercard oder VISA Card GOLD. Hallo IngDiBa, warum bietet Ihr keine Kreditkarte mit Versicherungen an? Ich wäre längst zu Euch gewechselt. Bargeldauszahlung mit der VISA Card [Debitkarte] an allen Geldautomaten mit VISA Zeichen. in Deutschland. kostenlos. Mindestabhebebetrag 50 €. Liegt der. Ihre VISA Card [Debitkarte]. Kostenlos Geld abheben ab 50 Euro an 97% aller Automaten in Deutschland und allen Euro-Ländern. Weltweit.
ING VISA CardMastercard oder VISA Card GOLD. Hallo IngDiBa, warum bietet Ihr keine Kreditkarte mit Versicherungen an? Ich wäre längst zu Euch gewechselt. Kostenlos Bargeld abheben mit der girocard an ca. ING-Geldautomaten und mit der VISA Card an ca. Geldautomaten in Deutschland. Lohnt sich eine ING Kreditkarte? ✓ kostenfrei Geld abheben ✓ komplett kostenlos ➤ alle Infos zu Gebühren und Alternativen der ING Diba Visa!
Ingdiba Visa 2. Background information about the bank and account use VideoDas BESTE Girokonto ? Girokonto Vergleich
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This, of course, does not yet work with all designs of bills, but the discerning technique continues to develop and improve. Through the banking app, one can manage the most other bank accounts for savings, securities or loans.
Of course you can do internet banking easily on the computer with a large monitor and keyboard or use the telephone banking.
Of course, you can also use the internet banking comfortably on the computer with the big monitor and keyboard or through telephone banking.
Each current account customer receives the Girocard as well as the Visa Card automatically and for free.
To keep the use free of charge for you, some things have to be considered:. Use the Visa Card to withdraw cash. In Germany, you have 58, ATMs for fee-free withdrawals at your disposal.
That applies to about 90 per cent of all ATMs. These are usually located at petrol stations. The banking app also supplies you with an ATM finder.
These are easy to find thanks to the interactive map. In the abroad Euro countries e. Spain , you use the Visa Card to withdraw free of charge.
In the abroad with foreign currency e. Switzerland , you use the Visa Card up to a converted amount of Euros , and for withdrawals beyond this limit you should use the Girocard.
Background is the fee structure for foreign currencies. The withdrawal itself is free of charge with the Visa Card, however, there is a fee for the currency exchange of 1.
Who wants, can apply for the overdraft facility right after the account opening can also be made at any time later — if the application on overdraft facility should be rejected first, one has a new chance after every 6 months.
Interestingly, one gets an overdraft facility granted immediately at the ING-DiBa — provided an appropriate creditworthiness. One does not have to wait several months, as usual in some other banks, until the salary payments are credited to the account.
Thus, you can have a correspondingly large overdraft facility at two banks! However, and this is understandable, the bank wants to see how much money you earn.
At an application for the overdraft facility, one submits a copy of the latest pay slip. Whether you apply for the overdraft facility right at account opening or save the option for later is entirely your decision.
Since the 28th of January , I have my own free current account and the two cards of the bank. Even if I do not use the account regularly due to other banks that I present on our special portal back then, I have set it up as an emergency account , I or my team are glad to answer your questions about the account opening and use via the comments box.
Moreover, I have created a step-by-step instruction here for you, so that you can apply for the account easier. Of course, I would be especially thankful for support by dedicated readers and account holders.
Thank you for being with DeutschesKonto. My partner and I have a joint bank and investing account. Then, only the amount beyond that will be subject to Kapitalertragssteuer.
If that is the case, and there actually is still Kapitalertragssteuer to pay, the bank will automatically forward it to the tax authorities.
Does this capital tax mean that I should only have maximum of euro in my account to be exempted in paying the tax? I am sorry I dont quite get it clear.
During the legitimization process the bank employee will gladly switch into some English language, if you prefer that.
However, they will speak some German with you to see, if you have some basic German knowledge — because how else could one be able to use the bank, if one does not understand them?
Money on that giro account does not accumulate any interest. ING-DiBa offers additionally a savings account with interest.
It is called Extra-Konto. Thanks for your reply. Ing-Diba account opening difficult as a foreigner without an Aufenthaltstitel.
Account opening process still requires hard-copy and is lengthy, application form mentions a Schufa check even if not requesting a credit facility.
Is there a possibility of opening a salary account or simply an account for salary crediting process? They only open bank accounts for people living in Germany.
Some further advice: There are special providers that offer the possibility to open an account while you are still abroad, and you can even transfer money to that new account.
It will only be activated for full use, once the legitimization process after your arrival in Germany has been performed. Such services are naturally not free of charge.
Since ING-DiBa does not have local branches where you could exchange your money into a different currency, your best option for that would one of the regular exchange services at airports and large railway stations.
You do not need to be a customer there. I have question, as an international student is it possible to open an account with ING-DiBa even though all services are in German?
That means, in order to do the online banking, you at least have to have a rudimentary knowledge of the respective vocabulary.
When it comes to customer service and you call within general business hours, you have a good chance that there is someone available who speaks English and might be able to at least answer some general qustions.
What they cannot do though — for legal reasons — is conduct any kind of actual banking procedures e. I am currently waiting for the cards,etc. During the account opening process, they have offered a euro overdraft or credit line?
I was not even requested at any stage to present a copy of my pay slips. The question is can I request to increase this overdraft or credit line?
My net monthly salary is slightly superior to this amount. I would advise to give them a call after a couple of months, after the account has had a bit of time to develop, and ask about your possibilities.
I come from a non-EU country and have been living in Germany for almost 5 years now. I have my primary account with Commerzbank.
I have my secondary account along with a Securities account Depotkonto at Consorsbank. A week later, I happened to request a Schufa report as part of my apartment hunt and found my Schufa score to be pretty impressive and no negative entries.
Deutsche Post treats us Non-EU citizens like shit. Luckily, ING offered me an alternative solution to complete this step. Can you please let me know what is that alternative solution to the PostIdent being a foreigner?
Because I am in same boat as you were. Thanks you. We read every comment! Toggle navigation CreditCard Validator. Verify Credit Cards.
Fake Card Generator. You can do this on your own in the online banking or let it be set up at the phone.
Advantage: The interest rate is considerably lower and you repay the once created credit card debt much faster.
Please act responsible with credit cards and credit lines, just like we expect it from smart bank customers. But there are also situations in life, where you are super-happy, if you can immediately use an available credit line in an emergency!
We have quite some people in our community, who faced such a case in the past and were glad that they could use a big balance over a period of time.
Edi Grüner was the first person, who responded to my invitation of contributing something to this article.
A heartely thanks! On the other side, there are also situations in which the very long term of payment of the Barclay is helpful.
When I e. Neither can I complain of the service. After the acquaintance of my wallet with a big magnet, the two defect cards were replaced in an uncomplicated and fast manner.
At the Barclay it was even free of charge. If the last paragraphs are not so important for you and you are just interested in an outstanding credit card that you can easily apply for online, then you get a brief summary of the comparison here:.
Say, I use the credit card and at the end of the month I get a bill. Then I have 28 days to pay the rest of the sum? If I add the direct debiting, when will Barclay deduct the amount; on the billing day or after 28 days of the billing?
Name required. Mail will not be published required. I want my comment to be discarded. Moreover, you can withdraw cash free of charge at every ATM within the Euro-area that has the Visa-sign.
These will be the most you can see. Yes and no! All card transactions are debited immediately from the current account.
Just as ususal at the Girocard. An indebtness with normally high credit card interest is not possible! Nevertheless, it is regarded as a credit card within Germany and abroad.
If you apply for an overdraft facility at account opening or a later point of time, you will also have a credit line on the Visa Card!
This is namely the Girokonto-Dispo current account overdraft facility. A small drawback at journeys to the foreign currency abroad: At card payments or cash withdrawals in a non-Euro country, a 1.
This is the fee for the currency exchange. If you do not travel to such countries, then you can skip this point. This is easily possible through your online banking:.
Very practical! In the foreign currency aborad except Sweden and Romania , the 1. This does not know the minimum fee of Euro 1. In some supermarkets see table further above , you can withdraw cash up to Euros free of charge at the checkout at a minimum purchase of Euros Currently, the ING-DiBa gives a balance in the amount of Euros 75 to every new current account customer, if two salary payments of at least Euros 1, are transferred within the first four months.
Such offerings already existed in the past. However, it seems that the requirements for the initial balance increase with the time.
Do you want to take a look at the requirements? This is common in this industry, but not ideal for smart bank customers. Whoever uses the current account of the ING-DiBa mainly in Germany and makes a journey abroad only once a year, does not have to think a lot about it.
Cost and saving regarding the foreign transaction fee are in perspective. Nevertheless, I will present a thrilling supplent to the DiBa-account in the last part!
Who travels frequently or for a long time to Sweden and Romania, could perhaps open an account at the ING-DiBa just out of this reason.
These are Euros 7, per week and due to the fact that one gets the Girocard as well as the Visa Card for free automatically after the account opening, one can withdraw cash up to a maximum of Euros 14, per week from the ATM.
This is proportionally a lot! Multiple withdrawals on the same day are possible! With both cards together, you can withdraw up to a maximum of Euros 2, or the countervalue in the foreign currency per day.
This is a whole lot of money! However, limited is the cash-free transaction with the cards to up to Euros 4, per week!
On the Visa Card, you can increase the limit temporarily, for example for a flight booking or payment of a hotel bill. The increase of the limit can take place by phone and is valid up to one week.