All about international payments

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 is considered an international payment.

Need to make a payment in euros within the SEPA? Go for a European transfer.

If you are an ING customer, you can carry out an international transfer by logging in to Home’Bank (using your ING debit card and your ING card reader).

The BIC (Bank Identification Code) is a unique code used to identify international banks. To carry out an international transfer, you need to enter the BIC of the beneficiary's bank.

• ING Belgium's BIC is BBRUBEBB.

• You can find the BIC of other international banks on the Swift website.

1. Log on to Home'Bank and select " Daily banking > My accounts and payments > New transfer.
2. Click on the "International payment" tab.
3. Select the country to which you wish to carry out the transfer. Then, click on “Next”.
4. Enter the beneficiary's account number.
5. Enter the BIC of the beneficiary's bank.
6. Enter the other details and sign the transfer.

Depending on how urgent the payment is, you can choose between:

• Standard payment: within 4 working days.

• Urgent payment: between 1 and 2 working days

The execution of an international payment is in some specific cases subject to regulation applied in the country of destination. Do you want to learn more about it ? You can find tips and tricks here (Pdf)!