Last reviewed September 2026
ING Direct was acquired by Capital One in 2012 and now operates as Capital One 360.
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ING Direct USA was ING's online banking business in the United States. ING announced its sale to Capital One on June 16, 2011, and the transaction closed on February 17, 2012.
The 2011 announcement and the 2012 completion were separate events. The sale covered the U.S. business; it did not include ING Direct's businesses in other countries. Read ING's completion announcement.
Capital One launched the Capital One 360 brand on February 1, 2013, as part of its integration of ING Direct. The acquisition and the brand change happened in different years. Capital One records the launch in its 2012 annual report, on printed page 4.
If you have questions about a former ING Direct U.S. bank account, start with Capital One's official customer support. Have the account name and any statements available so the bank can help identify it.
For products available today, see Capital One's current banking pages. The rates in the comparison below describe tracked offers; check your own account for its rate and terms.
RateZip Rate Index
ING Direct became Capital One 360. Capital One currently pays 3.10% APY on savings (as of 2026-10-01).
| Bank | APY | As of |
|---|---|---|
| CIT Bank | 4.25% | 2026-10-01 |
| Poppy | 4.25% | 2026-10-01 |
| Happen Bank | 4.20% | 2026-10-01 |
Highest published savings APYs tracked by RateZip as of 2026-10-01 13:20 ET. See the full RateZip Rate Index →
Capital One acquired ING Direct USA on February 17, 2012. It launched the Capital One 360 brand on February 1, 2013.
The sale was announced on June 16, 2011, and completed on February 17, 2012.
Contact Capital One customer support about the specific account. Your account records establish its current status, rate and terms.