ING Direct Review 2026

Item: ING Direct
Rating: 6.03
Author: Oleg Tkachenko

By: Oleg Tkachenko
Updated: July 05, 2026

Top Brokers Overview — United States

Visit the site anyway

Min. deposit $2000
Fees 8 /10
Account types 5.6 /10
Regulation 9 /10

6 /10

Moderate risk

ING Direct User Reviews 6.3
Commissions and Fees 8.0
Regulation and Safety 9.0
Account Types 5.6
Deposit and Withdrawal 4.5
Markets and Tradable Assets 5.8
Trading Account Opening 5.0
Customer Support 6.8

ING Direct Pros & Cons

High reputation and reliability of a large international bank.
Availability of full-fledged training.
No commission for storage, withdrawal of funds, replenishment.

Lack of opportunity to work in the Forex market.
Limited range of trading instruments.
Complies with the legal framework of the Eurozone.
Platform is in the French language only.

TU Expert Verdict

ING Direct demonstrates moderate stability and can suit certain traders. Its conditions are acceptable, and feedback is mixed but reasonable. In my own tests, it performed adequately, though it lacks the consistency of higher-rated companies.

Top-5 Brokers Traders Prefer

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FOREX.com

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ING Direct User Reviews

Score:

6.3 /10

23 total

5-star

13%
4-star

17%
3-star

48%
2-star

17%
1-star

4%

ING Direct clearly attaches great importance to training - and that's something to be proud of. The materials are well designed, and it's possible to practise your skills using a portfolio management simulator, which is particularly useful for beginners. This approach not only allows you to review the theory, but also to experience the market in a more realistic format, without risking real money. However, this impression is significantly blurred by the meagre choice of trading instruments. The assortment is really limited, and for those accustomed to great diversification, it's simply not an option. It feels like they've stopped at the basic package and aren't going any further. I'd like to see more assets and more directions, otherwise even quality training won't hold back those who want to move into full-fledged trading.

ING Direct accorde manifestement une grande importance à la formation - et il y a de quoi s'en féliciter. Les supports sont bien conçus et il est possible d'exercer ses compétences grâce à un simulateur de gestion de portefeuille, particulièrement utile pour les débutants. Cette approche permet non seulement de passer en revue la théorie, mais aussi de ressentir le marché dans un format plus réaliste, sans risquer de l'argent réel.
Cependant, cette impression est sensiblement brouillée par le maigre choix d'instruments de négociation. L'assortiment est vraiment limité, et pour ceux qui sont habitués à une grande diversification, ce n'est tout simplement pas une option. On a l'impression qu'ils se sont arrêtés à l'ensemble de base et qu'ils ne vont pas plus loin. J'aimerais voir plus d'actifs et de directions, sinon même une formation de qualité ne pourra pas retenir ceux qui veulent passer au trading à part entière.

For me, reliability and reputation are always a priority, which is why I only choose companies with a solid foundation, in this case the backing of a major international bank, and which inspire confidence. This approach is particularly important when it comes to preserving capital and ensuring transparency of terms. This approach is particularly important when it comes to preserving capital and ensuring transparency of terms. However, it's important to understand that ing direct is not a currency broker in the usual sense of the word. Here, you won't be able to trade on the Forex market, as this possibility is not offered to customers. If you're concentrating on the currency market, you'll have to look for another solution. But for those interested in other types of assets - equities, bonds, funds - the platform may be just the thing.

Pour moi, la fiabilité et la réputation sont toujours une priorité, c'est pourquoi je ne choisis que des entreprises qui reposent sur des bases solides, en l'occurrence le soutien d'une grande banque internationale, et qui inspirent la confiance. Cette approche est particulièrement importante lorsqu'il s'agit de préserver le capital et d'assurer la transparence des conditions.
Cependant, il est important de comprendre qu'ing direct n'est pas un courtier en devises au sens habituel du terme. Ici, vous ne pourrez pas négocier sur le marché du Forex, car cette possibilité n'est pas offerte aux clients. Si vous vous concentrez sur le marché des devises, vous devrez chercher une autre solution. Mais pour ceux qui s'intéressent à d'autres types d'actifs - actions, obligations, fonds - la plateforme peut être tout à fait adaptée.

I think that ING is not inferior in terms of quality to its competitors. I have been choosing a company for foreign affairs for a long time, I chose this one, and I can say that I am quite satisfied.

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Commissions and Fees

Score:

8 /10

The trading and non-trading commissions of ING Direct have been analyzed and rated as having Low fees, with a fees score of 8/10. Additionally, these commissions were compared with those of the top two competitors, ZForex and OANDA, to provide the most comprehensive information.

Low Forex trading fees
Tight EUR/USD market spread
No inactivity fee
No deposit fee
No withdrawal fee

Complex fee structure

Trading Fees and Spread

Below, we evaluated and compared the trading commissions of ING Direct with those of two competitors. We focused on the spreads and other transaction fees directly associated with executing trades (e.g commission per lot on an ECN account). This comparison aimed to provide a clear understanding of the cost efficiency of each broker.

Standard Account Spread

For Standard accounts, ING Direct’s commissions are part of the floating spread, which varies with market conditions. Typical values are provided, but during high volatility, the spread may exceed these.

ING Direct Standard spreads
	ING Direct	ZForex	OANDA
EUR/USD min, pips	0.2	0.1	0.1
EUR/USD max, pips	0.5	0.4	0.5
GPB/USD min, pips	0	0.2	0.1
GPB/USD max, pips	0.7	0.6	0.5

RAW/ECN Account Commission And Spread

The spread on ECN/RAW accounts is market-based and fluctuates, with average values given during active hours. It may vary during volatility spikes. A commission per lot is also charged.

ING Direct RAW/ECN spreads
	ING Direct	ZForex	OANDA
Commission ($ per lot) The commission is the fee charged by the broker for trading one standard forex lot (100,000 units of the base currency).	3	7	3.5
EUR/USD avg spread	0.1	0.1	0.15
GBP/USD avg spread	0.15	0.15	0.2

Non-Trading Fees

We conducted a detailed analysis of the non-trading fees associated with ING Direct. This review offers a comprehensive overview of the additional costs that may impact traders beyond regular trading activities.

ING Direct Non-Trading Fees
	ING Direct	ZForex	OANDA
Deposit fee, % The indicated amount does not include possible fees from payment systems and banks.	0	0	0
Withdrawal fee, % The indicated amount does not include possible fees from payment systems and banks.	0	0	0
Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks.	0	0	0-15
Inactivity fee ($, per month)	0	0	0

Is ING Direct Safe?

Score:

9 /10

ING Direct has a safety score of 9/10, which corresponds to a High security level. The safest brokers are those with Tier-1 regulation, a long history (over 10 years in the market), and participation in investor compensation schemes.

Tier-1 regulated
Track record over 29 years

No negative balance protection

ING Direct Regulators and Investor Protection
Abbreviation	Full Name	Country of regulation	Investor Protection Fund	Regulation Level
Abbreviation ECB	Full Name European Central Bank	Country of regulation EU	Investor Protection Fund No direct investor protection fund	Regulation Level Tier-1

ING Direct Security Factors
Foundation date	1997
Negative balance protection	No
Verification (KYC)	Yes

Account Types

Score:

5.6 /10

ING Direct offers the following account options: Standard, ECN/Raw spread.

However, it does not provide a Cent account, which can be a disadvantage for beginners looking to practice with minimal risk.

Low minimum deposit
Standard account with balanced trading conditions
Tight spread ECN account

No VIP account option
No Cent account

ING Direct account types vs top competitors
	ING Direct	ZForex	Plus500
Standard	Yes	Yes	Yes
ECN/Raw spread	Yes	Yes	No
Demo	No	Yes	Yes
Cent	No	No	No
Micro	No	No	No
Swap Free	No	Yes	Yes
VIP	No	No	No
Managed	No	No	No

ING Direct accounts trading conditions

The company offers two types of accounts: regular, which is for active trading on the stock exchange, and investment.

Account types:

Account Type	Description
Securities account	there are no additional commissions, except for the brokerage fee from the turnover of transactions.
REA and REA	PME are investment accounts with different levels of risk and return for working with funds.

To create any of the mentioned types of accounts, you must open a current bank account with ING.

The ING Direct broker is one of the oldest European companies that offers its clients transparent settlement terms and minimal commission costs. It’s well-suited for medium-term work with small leverage, that is, as a classic platform for trading securities.

Deposit and Withdrawal

Score:

4.5 /10

ING Direct received a Low score for the efficiency and convenience of its deposit and withdrawal processes.

ING Direct offers limited payment options and accessibility, which may impact its competitiveness.

No withdrawal fee
Bank card deposits and withdrawals
Minimum deposit below industry average
Bank wire transfers available

Limited deposit and withdrawal flexibility, leading to higher costs
BTC payments not accepted
Only major base currencies available

What are ING Direct deposit and withdrawal options?

ING Direct offers a limited selection of deposit and withdrawal methods, including Bank Card, Bank Wire. This limitation may restrict flexibility for users, making ING Direct less competitive for those seeking diverse payment options.

ING Direct Deposit and Withdrawal Methods vs Competitors
	ING Direct	ZForex	Plus500
Bank Wire	Yes	No	Yes
Bank card	Yes	Yes	Yes
PayPal	No	No	Yes
Wise	No	No	No
BTC	No	Yes	No

What are ING Direct base account currencies?

A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs. ING Direct supports the following base account currencies: EUR.

What are ING Direct's minimum deposit and withdrawal amounts?

The minimum deposit on ING Direct is $2000, while the minimum withdrawal amount is €10. These minimums may vary depending on the chosen account type and payment method. For specific details, please contact ING Direct’s support team.

Markets and Tradable Assets

Score:

5.8 /10

ING Direct offers a limited selection of trading assets compared to the market average. The platform supports 0 assets in total, including 36 Forex pairs.

ETFs investing
Indices trading
Passive income with bonds

Copy trading not available
Futures not available

Supported markets vs top competitors

We have compared the range of assets and markets supported by ING Direct with its competitors, making it easier for you to find the perfect fit.

	ING Direct	ZForex	Plus500
Currency pairs	36	50	60
Total tradable assets The total tradable assets listed include all available instruments, including CFDs. Due to regional restrictions, certain CFDs may not be offered in some countries. For example, cryptocurrency CFDs are banned in the UK, and the U.S. has restrictions on CFDs.		80	2800
Stocks	Yes	Yes	Yes
Commodity futures	Yes	Yes	Yes
Crypto Cryptocurrency CFDs are restricted or prohibited in certain regions due to regulatory limitations. These include the United Kingdom, China, Egypt, the United States and Canada.	No	Yes	Yes
Stock indices	Yes	No	Yes
Options	Yes	No	Yes

Investment options

We also explored the trading assets and products ING Direct offers for beginner traders and investors who prefer not to engage in active trading.

	ING Direct	ZForex	Plus500
Bonds	Yes	No	No
ETFs	Yes	No	Yes
Copy trading	No	Yes	No
PAMM investing	No	No	No
Managed accounts	No	No	No

Trading Account Opening

Score:

5 /10

We successfully registered an account with ING Direct in 25 minutes. The KYC verification was completed within 3 business days. The minimum deposit amount at ING Direct is $2000.

The onboarding procedure works as expected, although there is room for improvement in speed and simplicity.

Low minimum deposit requirement
Fully online account opening process

Registration process may take longer than expected
Account approval may require extra time depending on the documentation.

ING Direct account opening
	ING Direct	ZForex	Plus500
Online Registration	Yes	Yes	Yes
Minimum deposit	$2000	$10	$100
Mandatory KYC	Yes	Yes	Yes
Registration time (min)	25	8	5
KYC time (days)	3	1	3

Is ING Direct available in my country?

If you are a citizen of United States, the broker accepts clients from your country.

Please note that availability may vary due to regulatory requirements, so we recommend confirming directly with the broker for the most accurate and up-to-date information.

Account opening details

To start working with ING Direct, you need to register and open an account. Follow this procedure step by step:

First, you need to open a bank account with ING Direct. After that, the client gets access to trading on the stock exchange and investing. The account number will be the login to the personal account. It is also possible to switch to ING from another broker on preferential terms. In this case, a current account is opened and an application for the transfer of assets is made. Next, you must provide a statement of the costs associated with the transfer, and the amount of the transferred funds must exceed €1,000.
Next, enter your personal account and fill out the form, indicating the registration number of the client's account and the date of its opening. In the personal account, a new user can open an account by choosing from the offered options to trade on the stock exchange.
ING Direct's personal account contains:
- Charts and stock quotes.
- A fictitious portfolio is a virtual clone that 100% reflects the movement of assets on a real exchange.

Also in the personal account, the trader will find:

Information about the state of the account.
A window for connecting system notifications about the results of ongoing operations.
Search by instrument name.
A button to switch between different accounts.
Technical and fundamental analyses.
The whole range of financial instruments offered by the bank.
Company-specific stock favorites that you can customize based on your own investment priorities

Customer Support

Score:

6.8 /10

Customer support at ING Direct is available, but response speed and service quality may vary. Some requests are handled efficiently, while others may require follow-ups.

During testing, response times were moderate, and communication depended on the complexity of the request. ING Direct provides basic support functionality but does not stand out in overall service performance.

Information

The support service is available online as part of the bank's internet cafe service, which is open from 9:00 to 19:00 on weekdays and until 17:00 on Saturday. You can contact specialists by phone from Monday to Friday from 9:00 to 21:00 and until 18:00 on Saturday.

Internet cafe and forum
Priority calls from persons with special needs

Support language - French only
No 24/7 support chat

Contact with the bank's customer support is possible using:

its internet cafe;
the forum;
via email request;
a letter sent to the legal address of one of the bank's representative offices;
a call to the phone numbers indicated on the website during the working hours of specialists.

You can contact ING Direct representatives from the bank's website and your personal account.

Contacts
Foundation date	1997
Registration address	40 Avenue des Terroirs de France, Immeuble Lumière Paris, 75 616 France
Regulation	ECB (European Central Bank)
Official site	https://www.ingwb.com/fr/
Contacts	01 57 22 54 00

Best ING Direct Alternatives

zForex

8.1 /10

Regulation Not regulated

EUR/USD 0.1 pips

Plus500

7.6 /10

Regulation Tier-1

EUR/USD 0.5 pips

OANDA

6.9 /10

Regulation Tier-1

EUR/USD 0.1 pips

Trading.com USA

6.2 /10

Regulation Tier-1

EUR/USD 0.9 pips

FOREX.com

6.9 /10

Regulation Tier-1

EUR/USD 0.7 pips

ING Direct Video Guides

FAQs

How do reviews assess ING Direct’s regulation and overall safety level?

ING Direct has a safety score of 9/10, which corresponds to a high security level in this review. It is Tier-1 regulated by the European Central Bank (ECB), has been operating since 1997, and uses KYC verification, but it does not provide negative balance protection and there is no direct investor protection fund mentioned.

What fee structure and spreads does ING Direct apply to forex trading accounts?

According to this review, ING Direct is rated 8/10 for fees, with low forex trading costs, tight EUR/USD spreads, and no deposit, withdrawal, or inactivity fees. For Standard accounts, EUR/USD spreads typically range from 0.2 to 0.5 pips and GBP/USD from 0 to 0.7 pips, while ECN/RAW accounts have average spreads of 0.1 pips on EUR/USD and 0.15 pips on GBP/USD plus a $3 commission per lot.

What feedback is available on ING Direct account types and their main features?

The review states that ING Direct offers Standard and ECN/Raw spread trading accounts, along with securities and investment accounts (REA and REA: PME) that differ by risk and return levels. It notes advantages such as a low minimum deposit and tight ECN spreads, but also highlights the absence of Cent, Micro, Swap Free, Demo, VIP, and managed accounts, and mentions that opening any account requires a current bank account with ING.

What do reviews say about ING Direct deposit and withdrawal methods and limits?

The section indicates that ING Direct supports bank card and bank wire for deposits and withdrawals, with no deposit or withdrawal fees, but does not accept BTC, Wise, or PayPal, which may limit flexibility. It also notes that the minimum deposit is $2000 and the minimum withdrawal is €10, while emphasizing that specific conditions can vary by account type and payment method and are not fully detailed in the review.

How is ING Direct customer support described in available feedback and comments?

Based on available feedback, ING Direct’s customer support is described as providing basic functionality with moderate response times that can vary depending on request complexity. Support is offered in French via an internet cafe, forum, email, postal mail, and phone during specified weekday and Saturday hours, but there is no 24/7 chat mentioned.