Altersvorsorgedepot at ING from 2027
Yes, and as of today with prices. By its own account ING waives every fee of its own. Only the product costs are paid: 0.2 percent a year in the Relax account, from 0.03 percent in the Aktiv account. That makes ING the first company in the monitor to name the zero for custody, orders and switching together.
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- Securities account
- “0 euros; by its own account the company waives all of its own fees: no custody fee, no order fee for one-off payments and switches, no cost when moving to another provider”
- Order
- “0 euros; by its own account savings-plan execution, one-off payments and switches are free of charge”
- ETFs/funds
- “0.2 percent a year in the Altersvorsorge-Depot Relax, from 0.03 percent a year in the Altersvorsorge-Depot Aktiv, in each case ongoing product costs plus transaction costs”
- Altersvorsorge-Depot Relax
- savings-plan execution, one-off payments and switches. ongoing product costs of two pre-selected ETFs, plus transaction costs.
- Altersvorsorge-Depot Aktiv
- savings-plan execution, one-off payments and switches. depending on the choice from what the company states as over 1,000 ETFs and funds, plus transaction costs.
The commitment in detail
In substance the bank sets a clear priority. By its own account it is concentrating on the Altersvorsorgedepot and merely watching the Frühstartrente, the early-start pension. So one product, not several, is likely to be ready at launch.
A depot fee of 0.20% for ING is circulating in guides, yet that figure appears nowhere on the bank's own site. We looked and found nothing. Until certification no provider is naming reliable prices, ING included.
On 15 September 2026 the plan became a commitment. The sentence “Deshalb planen wir, zum Start des Altersvorsorgedepots ein Angebot bereitzustellen” — so we plan to provide an offering at the launch — is no longer on the page. In its place it now says “Diese Altersvorsorgedepots können Sie in Zukunft bei uns eröffnen” — these are the Altersvorsorgedepots you will be able to open with us — with two named variants below. The standard depot works with preselected ETFs and shifts automatically five years before the payout phase; in the self-directed depot you assemble the portfolio yourself. A promotion with fixed deadlines runs alongside. Sign up to the starter list by 30 November 2026, be new to ING and open a depot by 15 February 2027, and you get a starting bonus of over €50. The bank still names no price.
The prices are now in a press release of its own, with a date. Neither variant charges custody fees, order fees or execution fees on a savings plan — only the product costs of the ETFs remain. In the Relax-Depot that is 0.20 percent a year for two actively managed ETFs, in the Aktiv-Depot from 0.03 percent depending on the choice from over 1,000 ETFs and funds. Saving starts at ten euros a month. This confirms what the product page had said since 7 October.
What ING adds at the start
ING pays a 50-euro starting bonus to anyone who joined the Starteliste in 2026 and opens an Altersvorsorge-Depot by 15 February 2027.
Two conditions together: joining the Starteliste while it is still 2026 AND opening by 15 February 2027. Only for eligible new customers.
The second condition runs out faster than the first: anyone who does not join in 2026 can no longer earn the bonus even by opening in January 2027. The deadline in the calendar is 15 February; the deadline in practice is 31 December.
The facts at a glance
About ING
ING Deutschland traces back to a founding in 1965, trades as ING-DiBa AG with its head office in Frankfurt am Main and has been wholly part of the Dutch ING Groep since 2003. It operates without branches and is regarded as one of the country's largest direct banks, with a current account, call money and a securities account. As a universal bank supervised by the ECB and BaFin it holds the securities accounts itself.
Answered briefly
Does ING offer an Altersvorsorgedepot?
What has ING already decided, and what not?
What does the Altersvorsorgedepot cost at ING?
Where the information comes from
We show what the status rests on, with the type of source and the date. We keep the deep link internally so that the statement is still evidenced even when the page disappears at the provider.
How to cite this page
Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.
ING: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 3 November 2026.
Part of the AVD provider monitor · Full survey 4 November 2026 · CC BY 4.0