Updated September 29, 2026 · BorrowCue Editorial Team
ING Germany vs AIB
Where ING Germany and AIB differ
| Compare |  ING Germany |  AIB |
|---|---|---|
| APR | 3.69% to 10.99%Lower | 8.95% |
| Loan amount | €5,000 to €100,000Higher | €1,000 to €75,000 |
| Term | 12 to 120 monthsHigher | 12 to 60 months |
| Funding time | Immediate payout on request, otherwise on a chosen date up to 3 months after approval | Decision within 3 hours; money paid into your Current Account |
| Representative example | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better | AIB standard personal loan: €1,500 over 1 year at 8.65% variable interest rate and 8.95% APR, 12 monthly instalments of €130.48, total cost of credit €65.76, total repayable €1,565.76 |
| Rate type | Fixed | Variable |
| Eligibility | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account | Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Car, Student, Credit line |
| Arrangement fee | 0 EUR | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at ING Germany: 1965 vs 1966.
- APR is lower at ING Germany: 3.69% to 10.99% vs 8.95%.
- Loan amount is higher at ING Germany: €5,000 to €100,000 vs €1,000 to €75,000.
- Term is higher at ING Germany: 12 to 120 months vs 12 to 60 months.
- Support channels: only ING Germany offers Email.
- Support channels: only AIB offers Chat.
- Features: only ING Germany offers Same day funding.
- Features: only AIB offers Credit line.
- Loan types: only ING Germany offers Debt consolidation.
- Loan types: only AIB offers Student.
Our verdict on each
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
AIB
Irish retail banks suit borrowers who want a single established bank for home and personal borrowing rather than the widest choice. A home loan initial rate of 3%, an APRC of 3.6% and a personal loan APR of 8.95% keep the cost picture competitive, with a fixed period of 3.
Score breakdown
| Area | ING Germany | AIB |
|---|---|---|
| Cost | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. | 9.7Higher |
| Offer | 9.4Higher | 9.0 |
| Trust | 9.5Higher | 9.3 |
Choosing between them
Pick ING Germany if offer, apr, loan amount, and term matter most.
Pick AIB if cost matter most.
Side by side, item by item
| Loan types | ING Germany | AIB |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Car | Yes | Yes |
| Student | No | Yes |
| Use cases | ING Germany | AIB |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | ING Germany | AIB |
|---|---|---|
| Personal loans | 264 of 1932 | 265 of 1932 |
| Mortgages | 47 of 719 | 48 of 719 |
| Remortgage deals | 31 of 351 | 32 of 351 |
| Car loans | 48 of 431 | 49 of 431 |
| Home equity loans and HELOCs | 12 of 110 | 13 of 110 |
| Home improvement loans | 78 of 562 | 79 of 562 |
Every fact side by side
| Fact | ING Germany | AIB |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Credit line |
| Legal entity | ING-DiBa AG | Allied Irish Banks, p.l.c. |
| Headquarters | Germany | Ireland |
| Founded | 1965Lower | 1966 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Mortgages
| Fact | ING Germany | AIB |
|---|---|---|
| Initial rate | 4.79% | 3%Lower |
| APRC | 4.93% | 3.6%Lower |
| Fixed period | 15 yearsHigher | 3 years |
| Maximum loan to value | 100%Higher | 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, First time buyer, Buy to let, Home equityCovers more |
Where each stands against the rest
| Fact | ING Germany | AIB | Median |
|---|---|---|---|
| APR | 3.69% to 10.99%lowest quarter | 8.95%below the median | 8.99 |
| Loan amount | €5,000 to €100,000highest quarter | €1,000 to €75,000above the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
AIB
Pros
- Home loan cost sits inside the site range: initial rate 3% against a site median of 4.35%, and APRC 3.6% against 4.9%.
- A single lender covers personal, car and student, and mortgage purposes run to purchase, remortgage and first time buyer.
- Early repayment on the personal loan is free, so borrowing can be cleared ahead of schedule.
Cons
- The fixed period of 3 is short beside a site median of 6.5.
- The credit check is hard, and with the Central Bank of Ireland as regulator an application is recorded.
- Home equity lending is offered, but home loans are capped at a 90% loan to value.
Who each suits
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
AIB
Who it suits
- Buyers and movers in Ireland who want a mainstream bank for the home loan and a personal loan alongside it.
- Borrowers planning home improvement work, which the personal loan is aimed at.
- People who prefer a long established direct lender over a broker or marketplace.
Who should look elsewhere
- Borrowers chasing the longest rate fix, since the fixed period of 3 falls well below the site median of 6.5.
- Applicants with thin files, because the credit check is hard.
- Those wanting a credit line option wider than the single credit line listed, though Sofkredit and Creditilia ES quote lower headline rates.
Current offers
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
AIB
Current offer
Bonus
AIB switcher cash offer: 3000
Switchers availing of the Higher Value 4 year fixed rate can benefit of the EUR3,000 switcher cash offer; available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates, borrowing at least EUR250,000
Source, checked September 26, 2026
Country by country
| Country | ING Germany | AIB |
|---|---|---|
| Germany | Yes | No |
| Ireland | No | Yes |
Questions about each
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
AIB
What does a home loan from these banks cost?+
The initial rate is 3% and the APRC is 3.6%, which sits below the site median of 4.9% for that measure. Loans are arranged at a maximum loan to value of 90%, and the rate is held for 3.
What does a personal loan cost?+
The APR is 8.95% on a variable rate, with borrowing running from €1,000 to €75,000 over terms of 12 to 60. The published example shows monthly instalments and a total cost of credit, and early repayment is free.
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