ING Bank Śląski and Budget Apps — How to Connect in 2026
ING supports PSD2 open banking. Connect your ING account to a budget app in 2-3 minutes — no password shared, no manual CSV exports required.
ING Bank Śląski is Poland's third largest retail bank by customer count — around 4.5 million customers use it as their primary bank. ING supports open banking through the PolishAPI standard (Poland's implementation of the EU PSD2 directive), which means you can connect your ING account to an external finance app without sharing your password or manually exporting CSV files.
ING is particularly popular among young professionals and tech workers in Warsaw, Kraków, and Wrocław — many of whom also hold accounts at Revolut, N26, or other international banks. If that sounds like you, ING Mobile's built-in "Moje Finanse" feature will only show you part of the picture. This guide shows you how to get the full view.
Najważniejsze informacje
- ING supports PSD2 open banking via PolishAPI — GoCardless covers ING Bank Śląski
- Connection takes 2-3 minutes — log in to ING, confirm access, transactions sync automatically
- 90-day re-authorisation rule: PSD2 requires re-confirming access every 90 days (standard across Polish banks)
- ING CSV export uses UTF-8 — unlike most Polish banks which use Windows-1250; export via "Historia transakcji" on bank.ing.pl
Does ING Bank Śląski support open banking?
Yes — ING Bank Śląski supports PSD2 via PolishAPI
ING Bank Śląski provides an open banking interface compliant with the PSD2 directive through the PolishAPI standard — developed by the Polish Bank Association and adopted by all major Polish banks. GoCardless (the bank data provider behind Martia) supports ING Bank Śląski, giving ING customers secure read-only access to transaction data via licensed finance apps.
Through PSD2, the app gets read-only access only — it can see your transactions and balances but cannot make any transfers. You log in directly on ING's website (not in the app), so the app never sees your password.
PolishAPI is a sector-wide standard — all major Polish banks, including ING, have implemented it. This means a standardised authorisation flow and consistent data format regardless of which bank you're connecting. For more on how open banking works in Poland, see Open Banking in Poland — what it is and how it works (Polish).
Connecting ING Bank Śląski to Martia — step by step
The whole process takes 2-3 minutes. You'll need access to ING Mobile or internet banking to confirm the consent.
Step 1. Log in to Martia and click "Connect account"
After logging in to Martia, click "Connect bank account". Select ING Bank Śląski from the list of banks. You're not entering any banking credentials at this point — just choosing your bank.
Step 2. Log in directly on the ING website
You'll be redirected to the official ING login page (bank.ing.pl) — the same one you use for everyday internet banking. You enter your credentials directly with ING, not with Martia. Martia cannot see any of your data at this stage.
Step 3. Confirm access via ING Mobile or SMS
ING will ask you to confirm the access — via a push notification in ING Mobile or an SMS code. You approve "read-only access" for the named app. You can choose which ING accounts to share — current accounts, savings accounts, credit cards.
Step 4. Transactions sync automatically
Once access is confirmed, transactions from the last 90 days start loading into Martia automatically. New transactions sync on an ongoing basis — you don't need to do anything further. You can ask Martia: "how much did I spend at Lidl in May?" or "what subscriptions am I paying for?"
The 90-day rule — what it means in practice
After 90 days, ING (and most other Polish banks) requires you to re-confirm access. This is a regulatory requirement under PSD2 — it gives you ongoing control over which apps can see your data.
Renewal looks identical to the first connection and takes 2-3 minutes. The app will notify you a few days before the connection expires so you don't lose continuity.
ING Mobile (Moje Finanse) vs Martia — an honest comparison
ING Mobile has a built-in "Moje Finanse" (My Finances) section — a basic finance manager integrated into the banking app. Here's an honest breakdown of what it offers and where it falls short.
| Feature | ING Mobile — Moje Finanse | Martia with ING |
|---|---|---|
| Basic expense categories | ✓ Yes — ING transactions only | ✓ Yes — all banks |
| Monthly spending chart | ✓ Yes | ✓ Yes |
| View from other banks | ✗ No — ING only | ✓ Yes — 2,400+ banks |
| AI chat about your spending | ✗ No | ✓ Yes — Polish & English |
| Automatic subscription detection | ✗ No | ✓ Yes |
| Categorisation accuracy | ~ Basic | ✓ AI-powered, better accuracy |
| English language support | ✗ No | ✓ Yes — useful for expats |
When ING Mobile (Moje Finanse) is enough: you only have accounts at ING, no accounts at other banks, and a basic category overview suits your needs. In that case, having everything in one banking app is genuinely convenient.
When you need an external app: you have ING plus at least one other bank (Revolut, mBank, PKO BP, N26 — anything), you want to ask "how much did I spend on groceries in May?" in natural language, or you want automatic subscription detection. ING Mobile simply cannot aggregate across banks — it only sees ING.
Martia is particularly useful for expats living in Poland who hold ING accounts alongside international accounts. The app supports queries in English as well as Polish, and GoCardless covers international banks such as Revolut, N26, Monzo, and Wise — giving you a single view of all accounts regardless of country.
Connect ING Bank Śląski to Martia — 2-3 minutes, all accounts in one view
Martia connects to ING via open banking PSD2. Once connected, ask in Polish or English: "how much did I spend in May?", "what subscriptions am I paying?", "where did my salary go?" Free, no password shared with Martia.
CSV export from ING Bank Śląski — an alternative without open banking
If you can't or don't want to use open banking, you can export your transaction history as a CSV file and import it manually into Martia or another app. It's a slower method — you'll need to repeat it periodically — but it gives you full history beyond the 90-day PSD2 window.
How to export CSV from ING — step by step
- Log in to ING internet banking at bank.ing.pl
- Navigate to your account and open "Historia transakcji" (Transaction History)
- Set the date range you want to export
- Click "Eksportuj" (Export)
- Choose CSV format and download the file
- Import the file into Martia or your preferred budget app
ING uses UTF-8 encoding — a useful technical note
ING Bank Śląski exports CSV files in UTF-8 encoding — a notable difference from most Polish banks, which use Windows-1250 (CP1250). This means Polish characters (ą, ę, ś, ź, ż, ć etc.) display correctly without any conversion.
If you're importing from mBank or PKO BP, you may need to convert the file encoding before importing. With ING, you can import directly — no conversion needed.
When CSV is useful over open banking: you want to import a long transaction history (e.g. 2 years back), open banking is temporarily unavailable, or you need archive data from before the PSD2 connection was set up. For ongoing spending monitoring, open banking is more convenient — it works automatically without manual exports.
Frequently asked questions
Does ING Bank Śląski support open banking?
Yes. ING Bank Śląski supports open banking through the PolishAPI standard — Poland's implementation of the EU PSD2 directive. GoCardless covers ING Bank Śląski, so ING customers can automatically sync transactions to external finance apps without sharing their password.
How do I connect ING Bank Śląski to a budget app?
Select ING Bank Śląski from the bank list in your budget app. You'll be redirected to bank.ing.pl — enter your credentials directly with ING. ING will ask you to confirm access via ING Mobile push notification or SMS code. Once confirmed, the app receives read-only access. The entire process takes 2-3 minutes.
How long does the ING open banking connection last?
The PSD2 connection requires renewal every 90 days — a standard regulatory requirement. After 90 days, the app will ask you to log in to ING again to re-confirm access. The renewal process is identical to the initial connection and takes 2-3 minutes.
ING Mobile vs an external budget app — which is better?
ING Mobile's "Moje Finanse" section offers basic transaction categorisation and monthly charts — but only for ING accounts. An external app like Martia aggregates ING with other banks, offers AI chat in Polish and English, and automatically detects subscriptions. If you only have ING, the built-in tools may be sufficient. If you have multiple bank accounts or want AI-powered spending insights, an external app is the better choice.
How do I export a CSV from ING Bank Śląski?
Log in at bank.ing.pl. Go to "Historia transakcji" (Transaction History), choose your date range, and click "Eksportuj" (Export). ING generates a UTF-8 CSV file — unlike most Polish banks which use Windows-1250 — so Polish characters display correctly without conversion.
Can a budget app make transfers from my ING account?
No — apps operating as AISPs (Account Information Service Providers) have read-only access. Martia operates in this category and cannot initiate any payments. The only data the app receives is transaction history and balances.
How do I revoke a budget app's access to my ING account?
Revoke access at any time in ING Mobile or on bank.ing.pl in the third-party apps or PSD2 consents settings section. One click removes access for a specific app. You can also revoke access from within the finance app itself.
Czytaj dalej
Open Banking in Poland — what it is and how it works →
How the European PSD2 standard works in Polish banks and what it means for finance apps.
How to connect a bank account to a finance app →
General guide for connecting any Polish bank account to a budget app via PSD2.
mBank and expense tracking — how to connect to an external app →
The same process for mBank customers — PSD2 connection and comparison with mBank's built-in tools.
Open Banking in Polish banks — which support PSD2 in 2026 →
List of Polish banks with open banking — check if your bank is covered.
Best budget app in Poland 2026 — ranking →
Comparison of Martia, Kontomierz, Spendee and others — ranking of Polish budget apps.
ING Bank Śląski i budżet domowy — przewodnik po polsku →
Ten sam przewodnik w języku polskim dla klientów ING Bank Śląski.