Verdict
ING's RRSO (9.2–11% with account) sits slightly below Santander (10–13%). But ING runs a strict DTI (42%); Santander goes to 44%. For DTI 43–44% clients Santander wins accessibility where ING declines.
Car loan: Santander Consumer Bank leads this segment in Poland (30% market share), RRSO from 8.5% on a new car. ING offers standard terms without a differentiator. For a client combining cash and car loans Santander wins clearly.
Terms compared
| Product | Santander Bank Polska | ING Bank Śląski |
|---|---|---|
| RRSO 2026 (with account) | 10–13% | ✓ 9.2–11% |
| Maximum DTI | ✓ 44% | 42% |
| Car loan | ✓ Santander Consumer (leader) | standard offer |
| Branch network | ✓ ~400 | 295 |
| Mobile app | Santander MojeID | Moje ING |
Fits for
Santander Bank Polska
- Clients planning a car loan or both loans together
- People with DTI 42–44% declined at ING
- Multi-product Santander clients
ING Bank Śląski
- Clients with an active ING current account — best RRSO
- Digital clients valuing a no-visit process
- Full-profile clients with DTI below 40%
Frequently asked questions
Which bank has lower RRSO?+
ING marginally (9.2–11% with account vs 10–13% Santander). Without an ING account the gap disappears.
Which bank is better on car loans?+
Santander Consumer Bank — market leader with 30% share. RRSO from 8.5% on a new car, from 10.5% on a used one.