Q: Executing an international transfer via Home'Bank or the ING Banking app. It's easy !

a. Log on to Home'Bank and click on 'New transfer'. b. In the ING Banking app , tap on the “Payment” icon on the bottom of the screen. Fill in all of the required fields and follow all of the steps. You will be presented with an estimate of the transfer costs (as well of the exchange rate if applicable). Sign your payment, it is sent !

Question 1

What does 'outside the SEPA zone' mean ?

Accepted Answer

The SEPA zone (Single Euro Payments Area) covers all the Member States of the European Union as well as Norway, Iceland, Liechtenstein, Switzerland, Monaco, Andorra and San Marino.

Any payment to a country that does not belong to the SEPA zone, or any non-euro payment within the SEPA zone is considered an international payment.

Question 2

Who can make an international payment ?

Accepted Answer

Are you an ING customer ? You can log into your secured Home’Bank channel (using your ING debit card, your ING Banking app, or the ItsMe app) in order to make an international payment.

Question 3

An account number, one BIC, one click and it's settled !

Accepted Answer

The BIC (Bank Identification Code) is a unique code used to identify any bank in the world. To carry out an international transfer, you need to enter the BIC of the beneficiary's bank on top of the beneficiary account number.

Question 4

Specificities linked to a country or a currency

Accepted Answer

The execution of an international payment is in some specific cases subject to regulations applied in the country of destination. Do you want to learn more about it ? Here are some tips and tricks !

Question 5

Executing an international transfer via Home'Bank or the ING Banking app. It's easy !

Accepted Answer

a. Log on to Home'Bank and click on 'New transfer'.
b. In the ING Banking app, tap on the “Payment” icon on the bottom of the screen.
Fill in all of the required fields and follow all of the steps.
You will be presented with an estimate of the transfer costs (as well of the exchange rate if applicable).
Sign your payment, it is sent !

Question 6

You can define an urgency for your payment !

Accepted Answer

Is your payment urgent ? Very urgent? Not particularly urgent? You can choose the option that suits your needs the best:

Standard payment: will be credited within the next 3 working days at the latest. (1)
Urgent payment: will be credited within the 1 to 2 next working days (1) (2)

(1) Depending on the reception time of your payment order.

(2) Can be subject to a specific pricing.

Question 7

How can I cancel an international transfer?

Accepted Answer

If the transfer has already been debited from your account, contact the beneficiary to request a refund. If you don't know the beneficiary, contact us via the service section. There is a charge for the service of requesting a reimbursement from the beneficiary bank.

Question 8

What are the costs for an international transfer?

Accepted Answer

The cost of an international transfer is made up of the following:

An ING payment commission
Various ING fees
ING currency conversion fees (as applicable)
Fees applied by correspondent banks.

How the ING payment commission and correspondent bank fees are applied depends on the cost instruction given (BEN, SHA or OUR).

When all the details are filled in, a details of the transfer costs and the estimated exchange rate (if applicable) will be shown.

Details and calculation means of these costs are to be found in our pricing list.