ING has partnered with global insurtech bolttech to expand embedded insurance offerings across key European markets, marking a significant step in the bank’s broader strategy to integrate protection services directly into its digital banking ecosystem.
The partnership will initially launch across the Netherlands, Italy, Poland, and Belgium, with further European expansion expected later in 2026. Through the collaboration, ING aims to simplify how customers access insurance by embedding protection products directly into everyday banking journeys via its newly introduced global subscriptions model.
By leveraging bolttech’s technology-enabled insurance platform, ING plans to offer customers seamless access to tailored insurance and protection products without requiring separate third-party applications or fragmented onboarding experiences.
The move reflects growing momentum behind embedded insurance, a model that integrates insurance products into non-insurance customer experiences at the point of need. For ING, the partnership is designed to enhance customer engagement while broadening access to protection products in a more intuitive, digital-first environment.
The rollout is already live in four European markets and is expected to reduce the operational complexity typically associated with launching insurance products across multiple jurisdictions. bolttech’s infrastructure is intended to support compliance, distribution, and servicing requirements across different regulatory frameworks, allowing ING to scale faster across international markets.
Sali Salieski, Global Head of Private Individuals at ING, said the partnership aligns with the bank’s ambition to strengthen customer experiences through innovation.
“We are committed to continually evolving our customer offering and exploring new ways to deliver value to customers. Our partnership with bolttech supports this ambition and reflects our focus on innovation, simplicity and customer-led experiences across our international markets,” Salieski said.
The partnership also reflects ING’s growing focus on subscription-based financial ecosystems, where customers can manage recurring services and financial protections through a single digital interface.
For customers, the model is expected to create easier access to insurance solutions by offering relevant coverage options directly within existing banking interactions. The partnership aims to deliver more personalised and timely protection products, while supporting digital-first claims experiences and streamlined servicing.
bolttech, which operates across more than 39 markets globally, will serve as the technology backbone for ING’s embedded insurance ambitions, connecting insurers and distributors while enabling scalable product delivery across regions.
Stephan Tan, Chief Executive Officer, EMEA at bolttech, said the partnership demonstrates a shared commitment to reshaping the future of insurance distribution.
“We are proud to partner with ING as part of our shared ambition to support the future of insurance and protection services. By combining bolttech’s global platform and insurance expertise with ING’s strong customer reach and trusted brand, we see significant opportunities to deliver innovative and customer-centric protection solutions at scale,” Tan said.
The agreement highlights the continued convergence between banking and insurance, as financial institutions increasingly seek to embed complementary services into digital customer journeys. For insurers and banks alike, embedded insurance is emerging as a key distribution channel, enabling products to be delivered more efficiently while improving customer accessibility and engagement.
As demand grows for frictionless digital experiences, ING’s partnership with bolttech positions the bank to strengthen its value proposition across Europe while accelerating the adoption of embedded insurance in mainstream banking.
