In a world where financial decisions are increasingly digital, transparent, and community-driven, there’s one thing that still hasn’t changed: trust matters more than ever. When choosing where to bank, we don’t just look at numbers and features — we consider recommendations, real experiences, and above all, peace of mind.
That’s exactly why ING’s Plan Amigo has gained so much attention lately. Not just for its generous rewards — although those are certainly but because it taps into something deeper: community and trust.
Banking Built on Relationships, Not Just Rates
Let’s be honest — most people don’t switch banks just because of a better interest rate. They move because someone they trust shows them a better way. ING understands this human truth, and that’s why they’ve designed a referral program that rewards both the inviter and the invited in a transparent, fair, and genuinely valuable way.
Imagine this scenario: You’ve been thinking about changing banks for a while. You’re tired of hidden fees, poor service, and complex processes. Then a friend shares their ING experience — smooth online banking, no need to deal with paper, no obligation to direct-debit your utility bills. Best of all? They’ve been rewarded for inviting friends. And now, you can be next.
It’s not just a bank. It’s a smarter system, backed by one of the most trusted financial institutions in Europe.
How Does the Plan Amigo Work?
The concept is beautifully simple: if you’re already an ING customer with a Cuenta Nómina (salary account), you can invite up to 10 friends to join ING. For each successful referral, you receive €50 — up to a total of €500.
But here’s the kicker: your friend also wins. They can receive up to €250 simply for opening an account and meeting a few basic criteria — like transferring their salary or making regular monthly deposits of €700 or more.
These aren’t hoops to jump through. These are actions that most people already do with their current bank, just now with real rewards attached.
What’s in It for Your Friend?
Besides the clear financial incentive, your friend will gain access to ING’s famously user-friendly digital platform, no small print, no hidden fees, and no need to domicile receipts. It’s freedom banking — transparent, efficient, and mobile-first.
Your friend doesn’t need to change their entire financial life overnight. In fact, they have until September 30th to begin transferring their salary or recurring deposits. ING gives them time and space to adapt without stress.
And if they don’t have a salary? No problem. Monthly transfers of €700 or more from another bank during six consecutive months will do the trick. That includes pensions and unemployment benefits. So yes — it’s designed to be inclusive, flexible, and realistic.
Trust Is the New Currency
Why is this program so effective? Because it’s not built on traditional advertising. It’s powered by you.
When a person receives a recommendation from someone they know, it comes with a level of credibility that no corporate slogan can match. ING leverages that dynamic beautifully, building a network of users who are not just clients, but ambassadors.
As a result, ING grows its community — and customers enjoy tangible benefits for their loyalty.
How to Join the Plan Amigo – Step by Step
If you’re reading this and you’re not yet part of ING, now’s the perfect time. By joining through a special promotion, you’ll receive extra advantages that are not available on the public site. Here’s how you can access them:
✅ Step 1: Prepare Your DNI
In Spain, your Documento Nacional de Identidad (DNI) is essential for any official registration. ING uses it to verify who invited you and to ensure the referral bonus is correctly assigned. Don’t worry — this is standard practice in banking, and ING adheres to the strictest data protection laws.
✅ Step 2: Send an Email to Claim Your Promo
To activate this exclusive offer and ensure you’re correctly linked to the reward program, email your name and DNI to: [email protected].
You won’t find this on the ING homepage — it’s a direct link to someone already in the Plan Amigo program who can guide you through the process. Think of it as a personal bridge into the ING ecosystem, with someone there to answer your questions along the way.
✅ Step 3: Open Your Account
Once you’ve sent your DNI, you’ll receive instructions to open your Cuenta Nómina and a secondary Cuenta NARANJA (a free savings account). This is ING’s classic dual-account setup, giving you full banking functionality with no maintenance fees.
Opening the account is done entirely online. ING’s mobile-first platform makes the experience quick, intuitive, and fully secure.
✅ Step 4: Start Receiving Your Salary or Deposits
As soon as you start receiving a monthly income of €700 or more (either as a salary, pension, or transfer from another bank), you activate your eligibility for the rewards. ING keeps everything transparent, and you’ll see your progress from your app.
More Than Money: Why ING Is the Right Move
Of course, €250 is a strong motivator. But it’s not the only reason thousands are switching to ING.
Security and Transparency
ING is part of a robust European banking system and guarantees deposits up to €100,000 through the Dutch deposit guarantee scheme. That means your money is protected to the same level as any major EU bank.
No hidden fees. No traps. ING’s reputation for simplicity and honesty is well-deserved.
Technology That Works
Their digital interface is among the best in the sector. From making payments to managing savings goals, you’ll find a powerful set of tools right at your fingertips — all designed to empower you financially.
A Human-Centered Approach
Even though ING is digital-first, it never loses sight of its human side. Their customer service scores consistently rank at the top of the sector, thanks to helpful agents who actually listen.
And with Plan Amigo, this human touch is even more personal — because now it’s you inviting someone you care about into a smarter financial future.
Common Questions (and Honest Answers)
“Do I need to stay with ING forever to get the bonus?”
No. You only need to stay long enough to meet the eligibility criteria — which ING makes very clear. That includes opening both accounts, verifying your identity, and setting up monthly deposits of €700 or more for a minimum period.
“Is this really worth the effort?”
That depends on you. But consider this: with just a few clicks and a simple email, you’re unlocking up to €250 for yourself. That’s the kind of return you won’t get from most savings accounts — and you don’t even need to move your utilities or deal with paper contracts.
“Is it safe to send my DNI by email?”
Yes, as long as you’re sending it to a verified contact participating in the Plan Amigo program. In this case, [email protected] is a secure and direct contact who will process your entry into the referral system and ensure your bonus is correctly linked. They will also guide you through the rest of the steps, should you have questions.
Of course, ING will also verify your identity during the account setup phase through their secure platform.
Real People, Real Rewards
Here’s what some new users have shared about their experience:
“I never thought I’d earn €250 just for switching banks, but here I am. ING made it incredibly easy, and the app is way better than my old one.”
— Andrea G., Valencia
“I sent my DNI, followed the steps, and got the reward two months later. Honestly, I’m just mad I didn’t do it sooner.”
— Carlos M., Bilbao
“What sold me wasn’t just the money — it was how fast and friendly everything was. No bureaucracy.”
— Laura S., Madrid
One Last Thought: Why Wait?
You probably already know someone who’s with ING. Maybe you’ve even been curious about switching. But like most people, you’ve been putting it off, unsure if it’s worth the time or energy.
This article is your invitation to reconsider. Not because we’re pushing a product — but because the math, the trust, and the user experience all line up.
There’s zero risk, and everything to gain.
You can be earning €250 within a few months — just by switching to a bank that respects your time, protects your money, and rewards your decision.
Ready to get started?
Send your name and DNI to [email protected]
You’ll receive the next steps and personalized guidance.
Let this small decision open the door to better banking — and a little extra money in your pocket.
