Head-to-head
ING Germany vs Sparkasse: which is better in Europe? (2026)
Quick answer
ING Germany scores higher overall (66 vs 65). Below is exactly where each one wins.
Last updated 15 August 2026 · Cross-checked against official sources
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
This head-to-head was generated from our rankings: both services appear in the same shortlists. The facts and scores below are the same ones used everywhere else on the site.
At a glance
| ING Germany | Sparkasse | |
|---|---|---|
| Score | 66 | 65 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | No |
| FX model | ECB euro reference rate on card use inside the EEA plus a 2.20% Auslandseinsatzentgelt; transfers converted at ING's own market-based rate with a published 1–2% Waehrungsumrechnungsentgelt | Card-network or local rate plus each institute's own markup — no group-wide published rule |
| Docs needed | Needs German address; remote opening with German docs | Needs Anmeldung/German address; branch opening typical |
Bottom line
ING Germany66/100
Deposit protection: DGS €100k (DE)
FAQ
- ING Germany or Sparkasse — which is better?
- ING Germany scores higher overall in our ranking, but the right choice depends on whether you prioritise fees, USD support or onboarding.
- Can I use both?
- Yes — many relocants keep one for receiving USD and another for daily spending.