ING Deutschland Lets Customers Buy Crypto Directly from Bank Accounts
By John Nada·Feb 3, 2026·2 min read
ING Deutschland now allows customers to buy crypto products directly from their bank accounts, reflecting a growing integration of digital assets in traditional banking.
ING Deutschland, Germany's largest retail bank, now allows customers to purchase crypto products linked to Bitcoin, Ethereum, and Solana directly from their bank accounts. This move signifies a major step in integrating cryptocurrency with traditional banking services.
These products are real crypto-backed exchange-traded products issued by prominent firms like 21Shares, Bitwise, and VanEck, according to the bank's website. They mirror the movements of the underlying coins and trade on established exchanges through ING's Direct Depot setup. This securities account is designed for online, self-directed investors, enabling them to trade stocks, ETFs, and funds seamlessly.
The bank describes these crypto ETFs as a straightforward entry point that connects with daily banking, eliminating the complexities associated with wallets or private keys. This offering highlights the increasing demand for digital assets, as typical investors appear undeterred by Bitcoin's volatile price fluctuations, opting instead for long-term investments.
Research from Deutsche Bank shows that retail crypto adoption in Germany reached 9% in 2025, trailing behind the U.S.'s 12%. Martijn Rozemuller, CEO of VanEck Europe, emphasized that the partnership with ING Deutschland provides easy access to crypto investments. He noted that many investors seek solutions that integrate into existing depot structures while offering transparency in costs. This partnership delivers crypto exposure directly to where investors already manage their assets: within their securities accounts.
Importantly, these crypto products benefit from the same tax advantages in Germany as direct Bitcoin ownership. Investors holding these products for over a year can enjoy capital gains tax exemptions, similar to those available for Bitcoin.
In conclusion, this development illustrates a significant shift in how traditional banks are adapting to the growing cryptocurrency market. By allowing direct purchases of crypto-backed products, ING Deutschland is making digital assets more accessible to everyday investors. This could encourage further adoption and integration of cryptocurrencies into mainstream financial practices.