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ING bank

ING bank - сучасний Шльонський банк
Зміст
  1. Brief History of ING Bank Śląski
  2. Services for Individual Clients
  3. Personal Loans at ING Bank Śląski
  4. ING Bank Śląski for Business Clients
  5. Fees, Commissions, and Conditions
  6. Business Loans at ING Bank Śląski
  7. 5 Key Benefits of ING Bank Śląski for foreigner Clients

ING Bank Śląski is one of the largest banks in Poland and is part of the ING Group. An international financial organization headquartered in the Netherlands.

The ING Group (Internationale Nederlanden Groep) operates in over 40 countries worldwide, providing banking, insurance, and investment services to millions of clients.

In Poland, ING Bank Śląski combines the stability of a global financial structure with an innovative approach to digital banking, making it one of the market leaders.

Brief History of ING Bank Śląski

  • 1988 – Founded as Bank Śląski in Katowice, separated from the National Bank of Poland.
  • 1994 – Listed on the Warsaw Stock Exchange; shares became publicly available.
  • 1996 – Majority of shares acquired by the Dutch ING Group; the bank became part of the group.
  • 2001 – Merged with ING Bank N.V. in Poland and rebranded as ING Bank Śląski; began rapid expansion of online banking services.

Services for Individual Clients

ServiceDescription
Current AccountsThe “Konto Direct” account — no monthly maintenance fee if the client makes at least one card or BLIK transaction per month.
Bank CardsDebit Mastercard/Visa — free of charge if monthly spending exceeds 300 PLN; supports Apple Pay, Google Pay, and BLIK.
Deposits & SavingsFixed-term deposits (e.g., 6% annual interest for 3 months), flexible savings accounts; “Savings Vault” feature for automatic micro-savings.
LoansCash loans up to 160,000 PLN, available fully online without visiting a branch; mortgages with personalized rates and pre-approval in 5 minutes.
Moje ING Mobile BankingThe app allows clients to open accounts, apply for loans, track categorized spending, pay bills, and chat with consultants — all from their mobile device.

Personal Loans at ING Bank Śląski

Loan TypeDescriptionKey Conditions
Cash LoanLoan for any purpose (e.g., home renovation, travel, purchases); can be arranged fully online.Amount: up to 160,000 PLN  Interest rate: from ~10% annually  Term: up to 10 years
Credit Line (Overdraft)Account top-up when balance is insufficient; repaid automatically upon incoming funds.Limit: individually assigned  Fee: based on the amount used
Mortgage LoanFor purchasing real estate, construction, or refinancing an existing mortgage.Loan-to-value: up to 80–90%  Interest: fixed or variable, from ~7% annually
Car LoanFinancing for new or used car purchases.Amount: based on vehicle price  Term: up to 8 years  Zero down payment possible
Secured LoanLoan with lower interest rate secured by property (home, vehicle).Terms: individually negotiated  Requires property valuation  Lower interest rate

ING Bank Śląski for Business Clients

ServiceDescription
Business Accounts“Konto Firmowe” account — no maintenance fee if there is at least one incoming payment per month; online access, card, and BLIK included.
Business Payment CardsDebit and credit cards for entrepreneurs with spending control, purchase limits, and full access to transaction history online.
Business FinancingDevelopment loans, overdrafts, leasing, and guarantees; quick online decisions for loans up to 50,000 PLN with no collateral required.
POS & Online PaymentsAccept payments via POS terminals, online cash registers, and payment links; integration with e-commerce platforms.
Online Banking for BusinessMoje ING dla Firm — a dedicated platform with accounting tools, invoicing, tax calendar, and integration with external financial systems.

Fees, Commissions, and Conditions

CategoryFee / Condition
Account Opening0 PLN — opening a Konto z Lwem Direct is free of charge.
Account Maintenance0 PLN if: non-cash card payments ≥ 300 PLN/month; or BLIK transaction / online transfers completed.
Domestic & SEPA Transfers0 PLN via internet/mobile banking; 9 PLN at a branch (SEPA transfers also free online).
Express Transfer5 PLN via Express Elixir (online banking).
In-branch Payment9 PLN for both standard and SEPA transfers when made at a physical branch.
ATM Withdrawals – in Poland0 PLN at ING/Planet Cash ATMs nationwide; 0 PLN for the first withdrawal from other ATMs (then 5–10 PLN depending on card conditions).
ATM Withdrawals – abroad~5% of the amount (min. 9–10 PLN), depending on card type (Visa/Mastercard).
Cash Deposits/Withdrawals10 PLN + 0.5–0.6% (min. 10 PLN) at branch; free at ING ATMs up to 50,000 PLN, then 0.15–0.25%.
Currency ConversionUp to 6% spread for EUR operations; +3% for Visa cards (sometimes a minimum of 5 PLN applies).

Business Loans at ING Bank Śląski

Loan TypeDescriptionKey Conditions
Pożyczka for Small BusinessesFlexible-purpose loan with no application fee; fast online approval.Amount: 10,000–1,200,000 PLN; Term: up to 8 years; Company must operate ≥ 6 months; 0 PLN fee, no collateral, online process.
Credit Line (Linia kredytowa)Business overdraft linked to the company’s account — provides fast access to funds.Limit up to 200,000 PLN (no collateral) or up to 500,000 PLN (with collateral); Automatic repayment; interest charged only on used funds.
Loan with BGK De Minimis GuaranteeLoan with state guarantee to reduce risk and improve approval chances.Limit up to 200,000 PLN; Term up to 36 months; No BGK fee during promo period (until June 30, 2022).
Working Capital / Revolving LoanLoan for ongoing needs linked to a business account; interest based on variable WIRON index.Up to 400,000 PLN; Variable interest rate (WIRON 1M); Monthly payment, amount varies.
Visa Business Credit CardPayment limits for business spending with up to 52 days interest-free period.Limit: 1,000–50,000 PLN; 52 days grace period; Minimum payment: ≥ 5% or ≥ 50 PLN.

5 Key Benefits of ING Bank Śląski for foreigner Clients

AdvantageDescription
1. Account Opening for ForeignersForeigner citizens can easily open an account online or at a branch using a passport or national ID.
2. International Transfer SupportFree SEPA transfers in euros via online banking.
3. User-Friendly Mobile AppThe Moje ING mobile app is available in English, offering a modern interface and full banking functionality.
4. Transparent Fees and ConditionsClear pricing with no hidden charges — all fees and terms are publicly available online.
5. Part of the ING Global GroupBacked by the reliability of a major European financial institution headquartered in the Netherlands.
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V. Nobilsky/ автор статті
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Польська мова, культура, нерухомість, Шльонськ
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