Question 1

Bank transfers

Accepted Answer

The following default limits apply to bank transfers executed via Home'Bank, ING Banking app and Payment Initiation Services*.

The limits depend on how and to whom you wish to transfer money.

You can transfer as much money as you wish between your own ING accounts, to ING accounts on which you have a mandate and which are visible within the same online banking profile, and to a limited number of accounts which are owned by the Belgian government or by ING Bank.

You can change your limits via the self-service corner on your desktop.

As an alternative, open the ING Banking app on your smartphone and go to the 'Services' menu on the bottom right of your screen and click on Payments & Cash - Modify your bank transfer limit.

Finally, if you need to make a transfer beyond the authorized technical limit, go to your ING branch with your identity card, an employee will be able to assist you.

Bank transfers

Via ING Banking app, without signing with itsme®: €2,500 per 24h
Via ING Banking app, signing with itsme®: €12,500 per 24h
Home'Bank (internet banking), Payment Initiation Service*[1]: €12,500 per 24h
Bancontact payments via ING Banking[2]: €250 per day
ING credit cards: variable (Visible in Home'Bank and ING Banking)

Sending money in euro (SEPA), standing orders in euro (SEPA) and international transfers in euro or foreign currencies. Note that the limits listed here only apply to transfers that require only 1 signature to execute them.
You can receive a maximum of 500 euros per day via the Bancontact app.

*The Payment Initiation Service allows you to send a payment order via a third party. You must give permission for each specific payment order.

Link to our website info page on PSD2

Question 2

In-store and online payments

Accepted Answer

Your default payment limits are listed below.

In most of the cases, you can change these limits yourself.

Open the ING Banking app on your smartphone to modify your payments limit and go to the 'Services' menu on the bottom right of your screen. Tap 'Limits' and choose 'Debit card' or use the Self-Service Corner.

Please note : for a debitcard limit higher than €2.500 and maximum of €10.000, you must sign with itsme.

In-store and online payments

Debit card payments in shops or online: €5.000 per 7 days (Maestro) / € 2.500 per day 7 days (Mastercard)
*Bancontact payments via ING Banking: €2.500 per day

Credit card payments: variable. You can consult and, in some cases, modify your credit card limits in Home'Bank or via ING Banking. Visit the Self-Service Corner for more info.

*For Bancontact payments via the ING Banking app, you can pay 1.500 euros per transaction and 2.500 euros per day.

*For Wero transactions, the following limits apply: Hybrid QR code (Wero/Bancontact) : maximum of 250 euros per transaction and per 24h. Wero QR code payments: maximum of 750 euros per transaction and per 24h. Payments to phone contacts: maximum of 750 euros per transaction and per 24h. Payment Request to phone contacts : maximum 750 euros per request. These limits are fixed and cannot be adjusted.

Question 3

Cash withdrawals in euros and deposits

Accepted Answer

The following limits apply to cash withdrawals in euros and deposits at ING cash dispensers (ATMs).

In most of the cases, you can change these limits yourself.

Open the ING Banking app on your smartphone to modify your withdrawal limit and go to the 'Services' menu on the bottom right of your screen. Tap 'Limits' and choose 'Debit card' or use the Self-Service Corner.

Please note : for a debitcard limit higher than €2.500 and maximum of €5.000, you must sign with itsme.

You can also withdraw cash from ATMs of other banks throughout the euro zone.

The limits applied by such ATMs may differ to those of ING.

Cash withdrawals in euros

Debit cards: €650 max. per day (Maestro)/ € 750 max per day (Mastercard) or €2,500 max. per 7 days
Credit cards (Visa Classic, Mastercard Gold, ING Card): €620 every 4 days. It's not possible to modify this withdrawal limit.

Cash deposits via ING Self'Bank terminal (ATM)

Max. 120 bank notes per deposit
There is no maximum amount

For customers under the regime of the limited banking service, specific cash withdrawal and deposit limits are applicable. Those limits cannot be changed and are detailed in the General Conditions of the ING Debit Card.