ING API
🇳🇱 Netherlands · 🇧🇪 Belgium · 🇩🇪 Germany · 🇪🇸 Spain · 🇮🇹 Italy · 🇵🇱 Poland
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ING exposes an open banking API built on the Berlin Group NextGenPSD2 standard, covering account information (AIS) and payment initiation (PIS). Beyond the regulated PSD2 baseline it also offers 5 premium API categories: real-time balances, statement reporting, bulk payments, cross-border & high-value and virtual accounts.
Access uses OAuth 2.0 with redirect SCA, over a REST interface. A self-service sandbox lets you build and test before you apply for production access.
The API is offered in the Netherlands, Belgium, Germany, Spain, Italy and Poland. BankSnipe rates ING's API maturity 4/5 (Established), last reviewed 9 Jun 2026.
Overview
- API standard
- Berlin Group NextGenPSD2
- API style
- REST
- Authentication
- OAuth 2.0 · SCA: redirect
- Sandbox
- Available (self-service)
- Last reviewed
- 9 Jun 2026 · 2 months ago
Products
Premium APIs
Maturity signals
- Account info (AIS)
- Payment initiation (PIS)
- Confirmation of funds (CBPII)
- Premium / beyond-PSD2 APIs
Links
- Website
- https://www.ing.com
- Developer portal
- https://developer.ing.com/openbanking
- Documentation
- https://developer.ing.com/openbanking/get-started
Markets
Where this API is offered. Cells that differ from the bank's headline offering are marked ●.
| Country | Standard | Products | Sandbox | Notes |
|---|---|---|---|---|
| 🇳🇱 Netherlands | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes | |
| 🇧🇪 Belgium | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes | |
| 🇩🇪 Germany | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes | Operates as ING-DiBa in Germany. |
| 🇪🇸 Spain | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes | |
| 🇮🇹 Italy | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes | |
| 🇵🇱 Poland | Berlin Group NextGenPSD2 | AIS, PIS, Premium | Yes |
Notes
Single pan-European Open Banking portal (developer.ing.com) covering ING's retail markets, built on the Berlin Group standard, with a self-service sandbox and a premium Payment Request API beyond the PSD2 baseline.
ING API: frequently asked questions
Does ING have a public API?
Yes. ING publishes regulated PSD2 open banking APIs covering account information (AIS) and payment initiation (PIS), plus premium APIs beyond that baseline. Registration and documentation live on its developer portal at https://developer.ing.com/openbanking.
Does ING offer an API sandbox?
Yes. The sandbox is self-service, so you can sign up and start calling it without a commercial agreement in place.
Which open banking standard does the ING API use?
Berlin Group NextGenPSD2: the most widely used European open-banking API standard. Two banks on the same standard can still differ in the details, so read the bank's own documentation before you build.
How do you authenticate with the ING API?
OAuth 2.0, with redirect SCA for the customer consent step. Production access to the regulated endpoints also means registering as a licensed third-party provider with the bank.
Does ING offer premium APIs beyond PSD2?
Yes. We have recorded 5 premium categories on ING: real-time balances, statement reporting, bulk payments, cross-border & high-value and virtual accounts. These sit above the regulated PSD2 baseline and are the ones corporate treasury teams tend to care about.
Which countries does the ING API cover?
the Netherlands, Belgium, Germany, Spain, Italy and Poland.
Is the ING API free to use?
Banks generally do not charge licensed third-party providers for the regulated open banking endpoints, which is the point of the mandate. Premium APIs above that baseline are commercial products priced by the bank. BankSnipe does not track pricing, so confirm it with the bank.
How mature is the ING API?
BankSnipe scores it 4 out of 5 (Established). The score counts how many of the four product signals are live: AIS, PIS, CBPII and premium APIs beyond the regulated PSD2 baseline.