SEPA Credit Transfer (SEPA)
Make payments easily in the SEPA zone
With the European transfer you can receive and make payments in Belgium and the European Union (SEPA zone). Under SEPA rules, only European transfers are valid in the entire SEPA zone since 1 February 2014.
Your payments are always made within ING's secure payment environments. You also receive quick confirmation that your payment has been made.
Precise payment instructions
The memo date ensures that every payment is made exactly by the due date.
SEPA Credit Transfers are an efficient way to receive all your payments in Belgium and other countries in the SEPA area*. The European transfer replaces the domestic transfer from 1 February 2014 onwards.
The SEPA Credit Transfer includes a unique IBAN and BIC:
- IBAN: the International Bank Account Number consists of a country code, an account number and a check digit. Use our tool to calculate the IBANs for your accounts.
- BIC: a unique international Bank Identifier Code. The BIC of ING Belgium is BBRUBEBB. You can find the BICs of other international banks on the Swift website.
- The account of the instructing party and the account of the beneficiary must be held in one of the countries in the SEPA zone*.
- The payment must be made in euros.
*The SEPA area consists of the member states of the European Union (Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal including the Azores and Madeira, Romania, Slovenia, Slovakia, Spain, Sweden, United Kingdom including Gibraltar and Northern Ireland) and Iceland, Liechtenstein, Monaco, Norway and Switzerland.
All self-employed professionals, companies and organisations that wish to manage their payments more efficiently.