Buy Bitcoin with ING Deutschland

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & BaFin registers · How we verify · Report an error

Crypto-friendly.

Crypto Compatibility Score: 82/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

ING Germany doesn't sell crypto but handles online transfers well. SEPA Instant to a BaFin-registered exchange is available, most payments need in-app approval.

  • [✗]

    Can you buy Bitcoin in the app?

    No, use an external exchange

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Instant

  • [›]

    Best funding method

    SEPA Instant

  • [!]

    Potential issue

    App approval required for most transfers

Top Exchanges for ING Deutschland

Step-by-step guide to buying Bitcoin with ING Deutschland

ING Deutschland works best when you send SEPA Ãœberweisung to a BaFin licensed exchange and keep the Verwendungszweck exact. Use the steps below to begin.

  1. Pick a BaFin-licensed exchange
    Choose a BaFin-licensed provider to keep SEPA deposits predictable.
  2. Create your exchange account
    Register and secure the account with two factor authentication.
  3. Complete identity verification
    Verify identity so deposits are enabled.
  4. Copy IBAN and Verwendungszweck
    In deposits, choose SEPA and copy IBAN, BIC, and Verwendungszweck reference.
  5. Send SEPA in the ING app
    Open the ING app, go to Ueberweisen, add the Empfänger, and approve in-app; use SEPA Instant if shown and the recipient supports it, and paste the Verwendungszweck exactly.
  6. Wait for funds to arrive
    SEPA Instant can be seconds; standard SEPA is often 1 business day, with occasional delays on first transfers.
  7. Purchase Bitcoin
    Buy BTC once your EUR deposit is credited.
  8. Secure your Bitcoin
    Withdraw to a wallet if you want self custody.

[!] Troubleshooting

  • If you cannot send, check that you approved the payment in the ING app, since most outgoing transfers require in-app confirmation.
  • If SEPA Instant fails, retry with standard SEPA because Instant acceptance depends on the recipient bank.
  • If a new recipient is blocked, add the recipient first, then wait briefly before sending to reduce fraud flags.

Frequently Asked Questions

Can I buy Bitcoin with ING Deutschland?

Yes. ING does not sell Bitcoin inside Banking to go, but its Girokonto works well for SEPA transfers to major exchanges. Many users fund Bitpanda or Kraken, while others use Binance depending on the assets they want. If you hit a limit, ING lets you adjust your Ueberweisungslimit in app before retrying.

Why does ING often start with a low transfer limit and how does that affect first deposits?

ING applies a configurable transfer limit profile, and new accounts can start conservative until you adjust them. That can make a larger first deposit fail even when the bank is not blocking exchanges. Check your limit settings before you add the recipient and send.

Does ING SEPA Instant help for crypto deposits or is it the same as normal SEPA?

When SEPA Instant is available on both sides, it can credit much faster, including outside normal banking hours. If Instant is not available for your recipient, expect standard SEPA timing. Confirm Instant support in the deposit method first, then choose Instant in ING only when it is supported.

What is the cleanest way to set up an exchange recipient in ING so the reference is correct?

Use the deposit screen to grab the IBAN and the exact reference, then paste the reference as provided into the ING purpose field. Treat the reference like an identifier, not a memo. If the platform requires a structured reference and you change it, the deposit can be delayed.

Which confirmation method does ING use for transfers and does it cause delays?

ING approvals are app based, so confirmation is usually immediate when the device setup is correct. Most delays come from first time recipient checks or incorrect deposit details, not the confirmation method. If you recently switched phones, recheck the app setup before sending.

ING card vs bank transfer for crypto deposits in Germany, what works better?

Bank transfer. Card buys can be declined without much detail, while a SEPA transfer is easier to troubleshoot because you can validate IBAN, beneficiary, and reference. If you want repeatable deposits, use SEPA and keep card as a backup only.

Evidence & Verification

This page references 4 sources: ING Ueberweisungslimit, Verbraucherzentrale Instant Payments, Bitpanda SEPA Reference. Information was compiled from official sources and user reports.

Sources:

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.