Character of the lender
ING offers one of the lowest cash loan RRSO in Poland — 9.2–11% in 2026 for clients with an active current account at the bank. Without the account terms fall to average (11–13%). The bank is built around a multi-product client principle: the more you hold at ING, the better the pricing.
The Moje ING mobile app is functionally close to mBank, though a bit less intuitive for new users. A strength is clear cost display — RRSO sits next to every offer and the loan simulator shows a full schedule before signing.
On mortgages ING is mid-pack. Margin from 2.2% for a client with 25%+ down and an active account. The bank has a reputation for stricter creditworthiness checks — DTI above 42% is almost always declined, where mBank and Pekao may go to 45%.
Offer
- Cash loan: up to 200 000 PLN, term up to 96 months, RRSO 9.2–11% for account clients
- Mortgage: margin from 2.2%, term up to 35 years, WIRON 3M from 2025
- Credit card: ING Mastercard World, limit up to 80 000 PLN, RRSO 19.5%
- Konto Direct with no fees when actively used
Application process
Cash loan application in Moje ING — decision in 10–20 minutes for account clients, up to 24 hours without an account. Instant disbursement post-decision. Mortgage: 6–8 weeks from complete documents, including 3–4 weeks for valuation. The bank has strong e-processes — remote document signing without a branch visit in most cases.
Fits well for
- Clients with an active ING current account — best RRSO
- Digital clients who value clean cost display
- Anyone wanting a fully remote process without a branch visit
Not for
- Clients with higher DTI (42%+) — ING declines where others approve
- Non-account clients hunting the lowest RRSO — cross-sell is key
- Government housing scheme candidates — PKO BP and Pekao serve those better
Frequently asked questions
Yes, via Open Banking (up to 30 000 PLN) or an active ING current account (up to 100 000 PLN, income visible on statements).
The bank runs a stricter DTI ceiling (42%) than peers. BIK score below 420 usually declined. Mortgage down payment minimum 15% (10% possible with insurance).
6–8 weeks from complete documents. The bank usually requires a valuation from its own valuer list (cost 700–1 200 PLN).