ING Bank Romania has launched ING Depo Invest, a digital product that lets customers place funds in a term deposit and a mutual fund simultaneously.
The released option available through ING’s Home'Bank digital platform combines a term deposit and a mutual fund investment in one transaction. The product allows customers to allocate a single amount across two instruments without needing to open separate accounts or complete multiple applications.
How the product works
Customers can start with an initial amount from RON 2.000 (EUR 380.334) or EUR 2.000. The selected sum is split equally between the two components: 50% goes into a term deposit at a preferential interest rate, while the remaining 50% is directed into a mutual fund chosen by the customer from the range available on Home'Bank.
The terms differ depending on the currency selected. For amounts in RON, half of the sum is placed in a six-month term deposit carrying a preferential annual interest rate of 7%. For amounts in EUR, half is placed in a three-month term deposit at a preferential annual interest rate of 2.5%. In both cases, the remaining half is invested in a mutual fund selected directly through the digital platform, based on the customer's financial goals and risk profile.
According to ING Bank Romania, the arrangement gives customers a higher interest rate on the deposit portion than standard term deposits typically offer, alongside integrated access to mutual fund investing within the same digital journey.
Customer savings behaviour and market context
The bank states the launch builds on existing savings patterns among its customer base. ING Bank Romania's data indicates that 52% of its customers hold a savings account, and around 500.000 customers transfer funds into savings right after receiving their monthly pay. The bank positions ING Depo Invest as a next step for customers who already save consistently and are considering allocating part of those funds to investment products.
The product reflects a broader trend among European retail banks to integrate savings and investment offerings within a single digital interface, reducing friction for customers who might otherwise need to approach separate providers for deposit and fund products.
For example, earlier in 2026, CMC Markets and Upvest’s partnership had a similar approach in Germany by launching multi-currency securities. The collaboration allowed CMC Markets’ users to invest in stocks, EFTs, and mutual funds through a single platform.
By pairing a fixed-term deposit with a mutual fund allocation, ING Bank Romania is targeting customers transitioning from pure saving behaviour towards diversified financial planning, including long-term objectives such as retirement provisions.
