Kostenlos Bargeld abheben mit der girocard an ca. ING-Geldautomaten und mit der VISA Card an ca. Geldautomaten in Deutschland. Mastercard oder VISA Card GOLD. Hallo IngDiBa, warum bietet Ihr keine Kreditkarte mit Versicherungen an? Ich wäre längst zu Euch gewechselt. Rund um das Thema Karten Rund um das kontaktlose Zahlen Fragen speziell zur VISA Card Fragen zu paydirekt Bargeld und Schecks Basiskonto Google Pay.
WissensWertKostenlos Bargeld abheben mit der girocard an ca. ING-Geldautomaten und mit der VISA Card an ca. Geldautomaten in Deutschland. Wegen der VISA Secure kann ich nicht mein Flug buchen. Ich kann es nicht verstehen, bin von service der INg diba leider enttäuscht geworden. vielleicht muss. Lohnt sich eine ING Kreditkarte? ✓ kostenfrei Geld abheben ✓ komplett kostenlos ➤ alle Infos zu Gebühren und Alternativen der ING Diba Visa!
Ingdiba Visa Details on the conditions VideoDie besten Kreditkarten: Geld abheben ohne viele Gebühren
For a transfer from the US, there are fees. Here, the bank has to exchange the currency. Name required. Mail will not be published required.
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Portal for clever banking in Germany and abroad. There is an important reason for those two being in the leading position! For many years, they have obviously been having the best offers on the market and have been able to expand their customer base — especially with the critical internet customers — to occupy the pole-position.
Their Giro accounts will remain free of charge in the future as well! This has been confirmed by both banks on request of Deutschesaccount.
The opening of a free call money account can be a strategy to become a customer of the bank without creditworthiness check … and later apply for a current account being a registered customer.
However, this is only interesting for people with a rather average creditworthiness and who would like to have access to a free direct bank.
A very thrilling product is the Rahmenkredit credit line. How this works and in which case it is meaningful, is described on the following page: Enlarge the financial margin cleverly.
I myself have it since the year and have never paid any single Euro for it. I did not use it a lot, since I only set it up as a backup-account back then.
Moreover, an overdraft facility in the amount of several thousand Euros is at my disposal. This was set up in three-times the amount of my submitted proof of salary back then.
However, I did not transfer my salary payments to this account. Nevertheless, the overdraft facility remains without interruption. This is very meaningful for the backup-use.
No account management fees are charged for any of these accounts. As a new customer, you automatically get the Visa Card.
This should become your new main card , because most stores in Germany and further countries accept the Visa Card as a means of payment.
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! I use both cards regularly. Each has its advantages and disadvantages. John says:. July 28, at pm.
Great new option: Anzeige. Banking in Germany explained current accounts savings business accounts credit cards loans.
Online loans in Germany tested and the benefit for you! New instructions:. My own current account: Anzeige. You can see the pictures of my own cards, because I use them myself and report of my own experiences.
This is more authentic …. ING DiBa. Credit line. Euros 0 up to 10, very individual Instruction. The payment with the Girocard worked fine which cost me Euros 1.
Through Skype in order to avoid expensive telephone costs from abroad , I called the hotline of the ING-DiBa to find out what could have happened.
Unfortunately, I did not receive any information and with this no help at all by the bank, because I did not take the telephone-PIN with me on my journey.
Apparently, there are no alternative possibilities to legitimate, if one faced trouble abroad. The purchase of the postcards was, of course, chosen intentionally to demonstrate that the Maestro-Card Girocard should not be used for paying low amounts in the foreign currency abroad.
The foreign transaction fee is 1. On a percentage basis, the 1. But the minimum fee of one Euro was charged, as you can see here:.
As a comparison, I have bought another postcard with the DKB Visa Card with only seconds of time difference even if the booking days make you suspect different :.
Supplementing products, as the presented credit line by us, could get you a credit line of Euros 30, or more to the current account completely without a salary transfer.
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.
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