ING

A Dutch multinational banking and financial services corporation headquartered in Amsterdam. Provides retail banking, direct banking, commercial banking, and wholesale banking services to millions of customers across Europe and globally. Operates a public Developer Portal exposing Open Banking, PSD2, and payment-related APIs for third-party developers and fintech partners.

ING is listed with 1 API on the APIs.io network. Tagged areas include Finance, Banks, European Banking, Open Banking, and PSD2.

ING’s developer surface includes engineering blog, developer portal, and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

6.1/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Finance Banks European Banking Open Banking PSD2

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 6.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 0.0 — up to +20.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/ing/apis.yml: open an issue on github.com/api-evangelist/ing to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	55.6	-	-
Hong Kong SFC and HKMA Licensed Firms	regulated	55.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

ING Developer Portal APIs

The ING Developer Portal provides a marketplace of APIs covering Open Banking (PSD2 Account Information and Payment Initiation), payments, and bank-as-a-service capabilities. Th...

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ing Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 3

The organization behind the API

Blog

Blog

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

Marketplace

Marketplace

Source (apis.yml)

aid: ing
url: https://raw.githubusercontent.com/api-evangelist/ing/refs/heads/main/apis.yml
name: ING
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ing.png
tags:
- Finance
- Banks
- European Banking
- Open Banking
- PSD2
tags_raw:
- Financial
- Banks
- European Banking
- Open Banking
- PSD2
description: A Dutch multinational banking and financial services corporation headquartered in Amsterdam. Provides retail
  banking, direct banking, commercial banking, and wholesale banking services to millions of customers across Europe and globally.
  Operates a public Developer Portal exposing Open Banking, PSD2, and payment-related APIs for third-party developers and
  fintech partners.
created: '2026-05-05'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: ing:ing-developer-portal
  name: ING Developer Portal APIs
  description: The ING Developer Portal provides a marketplace of APIs covering Open Banking (PSD2 Account Information and
    Payment Initiation), payments, and bank-as-a-service capabilities. Third-party providers can register, obtain sandbox
    credentials, and consume regulated and premium APIs across ING entities in Europe.
  humanURL: https://developer.ing.com/
  tags:
  - Open Banking
  - PSD2
  - Payments
  - Banking
  properties:
  - url: https://developer.ing.com/
    type: Portal
  - url: https://developer.ing.com/api-marketplace/marketplace
    type: Marketplace
common:
- url: https://ing.com/newsroom/news
  type: Blog
- type: DomainSecurity
  url: security/ing-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/ing-bank
- type: LinkedIn
  url: https://www.linkedin.com/company/ing
- type: Website
  url: https://www.ing.com/
- type: Portal
  url: https://developer.ing.com/
- type: Marketplace
  url: https://developer.ing.com/api-marketplace/marketplace
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

ING API — frequently asked questions

Does ING have an API?

Yes. APIs.io lists 1 API from ING, including ING Developer Portal APIs.

Is the ING API ready for AI agents?

ING has a Kin Score of 6.1 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

Work with this as data

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MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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