What exactly happened during the ING outage on 31 January?

Users in Germany faced ING DiBa login failures across app and web around 15:30 CET, close to the U.S. market open. Many could not view balances or initiate transfers. Service was restored later the same day. No confirmed root cause was publicly available at the time of writing.

Were funds safe and were card payments affected?

A login outage does not move customer deposits. There were no broad, verified reports of card failures during this event, which appeared focused on access. Still, users should review recent transactions, confirm pending payments next business day, and watch official updates for final scope details from the bank.

What should I do if a SEPA transfer or ETF plan was due during the disruption?

Check booking status on the next business day in your account activity. Keep payment references or screenshots. If an order did not execute, retry once the app shows normal status. For urgent transfers, contact support and consider alternative funding paths for time-critical investments.

What should investors monitor after an online banking disruption?

Track incident duration, frequency of repeats, clarity of status updates, and any regulatory reporting. Watch customer sentiment, app ratings, and deposit or account growth trends. Note any resilience investments that may raise near-term costs but reduce future outages, and compare performance with European peers for context.

Global Market Insights

ING Online Banking Outage: January 31 Login Issues Hit German Users

ByDanny Kontos January 31, 2026

The ING online banking outage on 31 January blocked many German customers from logging in via app and web. Reports clustered around the U.S. market open, a sensitive window for payments and trading. Access was restored later the same day, but the incident raises fresh questions on resilience. We outline what happened, the investment angle, and practical steps users and investors in Germany should consider after this online banking disruption.