← Embedded Finance Index 2026/Banks

ING

Bank

Embedded-finance supplier tracked in the Embedded Finance Index — no company has publicly disclosed it yet. Filed under Bank / National.

ing.com ↗Also analysed as a company — its own stack →

TypeBank
Buyersnone disclosed yet
HeadquartersAmsterdam, Netherlands
Founded1991

Background · from ING’s own dossier

ING is a large pan-European universal bank that has increasingly pursued an embedded finance strategy by layering fintech partnerships on top of its regulated banking infrastructure. It has used its banking license and distribution to embed insurance (via Qover), lending (via Amazon marketplace partnerships), and open banking APIs (developer.ing.com) rather than building all capabilities in-house. The 2025 wind-down of the ING-Amazon Germany lending partnership underscores the execution challenges of embedded finance at scale, while the 2026 MGA launch with Qover signals a deepened commitment to insurance-as-a-service.

Recent developments

2025-06ING Germany and Amazon end their five-year lending partnership due to low loan volume; Amazon replaces ING with YouLend. source ↗
2026-04ING launches as an MGA with Qover as its technology partner, allowing ING to directly accept insurance applications and handle claims for its 800,000 insurance customers. source ↗
2025-07ING Luxembourg publishes updated outsourcing summary table (Appendix 2) for Retail & Private Banking clients, effective 1 July 2025. source ↗
2026-11-02Launched ING eSIM with Gigs: customers buy global travel data inside the ING app, live first in the Netherlands, with Poland, Belgium, Germany, Italy, Spain, Romania, Turkey and Australia to follow. Part of ING's new tiered subscription model combining everyday banking with lifestyle benefits. source ↗

Full dossier: ING’s own stack, layer by layer →

In the press

embeddedfinancereview.com ↗

Coverage of ING sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.

◇ article2025-06-20

Embedded Finance Reality Check: Why ING & Amazon Germany Partnership Failed

ING and Amazon Germany end lending partnership after five years due to low volume. Why the product wasn't truly embedded and what Amazon's Youlend replacement reveals.

Source · Embedded Finance Review ↗

◇ article2025-06-20

Bad Week for Embedded Finance? ING-Amazon Split & Intergiro License Loss Explained

Embedded finance reality check: Why ING-Amazon split, what Intergiro's license loss means, and how European payment providers are fighting back.

Source · Embedded Finance Review ↗

◇ article2023-05-11

Share launches 'Future Bank Account' with ING and 'Embedded' is not a pure finance play

This edition covers Embedded Finance stories from Share, Shopify, GrubMarket, Apple, GoDaddy and Corplife.

Source · Embedded Finance Review ↗

◇ article2023-05-10

Share Launches Socially-Driven Bank Account with ING

German brand Share partners with ING to launch a current account where customers support social initiatives with every subscription through embedded banking.

Source · Embedded Finance Review ↗

Who uses ING

No disclosed buyers yet — no dossier in the Index names ING in its stack so far

The complete buyer list is not published on this page. Get the monthly recap for new ING customers as they are disclosed. Represent ING? This profile opens for claiming as soon as the first company discloses ING in its stack — or send us a public customer page and we will add the disclosure.

What ING runs on · from its own dossier

The third-party providers ING itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose ING.

Insurance

Qover

Telecom

Gigs

Full dossier with evidence for each layer →

ING — frequently asked

What do fintechs use ING for?

ING is a bank tracked in the Embedded Finance Index 2026.

Where is ING headquartered?

ING is founded in 1991 and headquartered in Amsterdam, Netherlands.

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