Germany’s largest retail bank has taken a clear step toward mainstream crypto access. ING Deutschland now allows customers to buy Bitcoin, Ether, and Solana-linked products directly through bank-linked securities accounts.
Consequently, everyday investors can gain crypto exposure without wallets, private keys, or external platforms. The move signals a shift in how traditional banks respond to rising retail demand for digital assets.
The offering sits inside ING’s Direct Depot, a self-directed securities account many Germans already use for stocks and funds. Additionally, the bank lists crypto exchange-traded products that track individual coins and trade on regulated exchanges.
These instruments come fully backed by real crypto and mirror price movements closely. Hence, investors can manage crypto exposure alongside traditional assets within one interface.
How the Products Work Inside ING
The crypto products come from established issuers, including 21Shares, Bitwise, and VanEck. They track bitcoin, ether, and solana prices and settle through familiar exchange infrastructure. Moreover, the structure removes the operational burden of custody while preserving price exposure.
Importantly, Germany applies the same tax treatment to these products as direct crypto ownership. Investors who hold positions for more than one year may avoid capital gains tax. Significantly, this rule places bank-based crypto exposure on equal footing with self-custodied assets. As a result, long-term investors gain clarity and efficiency.
Why Demand Keeps Rising
German retail interest continues to grow despite volatility. Research from Deutsche Bank shows crypto adoption among German retail investors reached 9% in 2025. However, that figure still trails the United States. Besides, ING’s move may narrow that gap by simplifying access through trusted banking channels.
VanEck Europe’s leadership framed the partnership as practical rather than speculative. Martijn Rozemuller said, “Many investors want a solution that fits into existing depot structures and at the same time convinces with transparent costs. That’s exactly what this partnership stands for it brings crypto exposure to where investors already invest, in their securities account.” The statement reflects demand for familiarity and cost clarity.
Risks and the Broader Banking Shift
ING also highlighted clear risks. Prices can swing sharply, and liquidity can tighten during stress. Additionally, issuer insolvency and regulatory shifts remain concerns. The bank emphasized that crypto prices often react to investor psychology rather than fundamentals.
Nevertheless, the move aligns with ING’s broader digital asset strategy. Last year, the group joined a European banking consortium to explore a euro-based stablecoin. Consequently, ING appears to position itself for a future where digital assets and traditional finance increasingly converge.