SEPA Credit Transfer
This kind of transfer is quick to use and available whenever you want.
Make payments in euros via SEPA transfers to and from any account held in the euro zone. You can do so from your computer, smartphone or tablet or one of our Self'Bank terminals.
With an electronic transfer you get swift confirmation that your payment has been executed securely.
Practical for transferring funds
Transfer money in euros from your account to another account also held in one of the member states of the European Union (or Norway, Iceland, Switzerland, Monaco or Liechtenstein).
The IBAN (International Bank Account Number) and BIC (Bank Identifier Code) codes identify the bank:
The IBAN is a standardised method for recording bank account numbers. It has a fixed length in each country. It consists of a two-letter country code, a two-figure control digit and a national account number. Note: Some IBANs can also contain letters (in addition to those of the country code).
For an electronic SEPA payment, enter the correct account numbers (IBAN) of the applicant and the beneficiary.
ING Belgium's BIC is BBRUBEBB.
The BIC (Bank Identifier Code) is the code that enables the unique identification of every bank in the world. It is not mandatory to enter the BIC of the beneficiary's bank when making a SEPA transfer.
Do you want the transfer to be executed at a later date? Enter an execution date in the future. If you do not enter a date, your payment will be executed immediately.
Do you have an urgent payment to make from your account to another account also held in one of the member states of the European Union (or Norway, Iceland, Switzerland, Monaco or Liechtenstein)?
Make an urgent SEPA transfer in Home'Bank by selecting the "urgent payment" option. Provided you enter the payment before 12 noon, the funds will be credited to your beneficiary's account on the same working day.
Such urgent transfers incur charges. These charges are specified in the Charges for banking transactions of ING (PDF).
Manage your automatic payments in euros yourself easily using your computer or a Self'Bank terminal. Transfer from your account to another account also held in one of the member states of the European Union (or Norway, Iceland, Switzerland, Monaco or Liechtenstein). It's free!
There are two types:
Pay your recurring bills automatically, even if the amount changes each time! You can be confident that you will always pay on time, and late payment charges will be a thing of the past!
In concrete terms, a direct debit gives the supplier the authorisation to settle their bill directly with your bank. This is called a mandate.
Thanks to SEPA (the Single Euro Payments Area), direct debits in Europe have been standardised using the IBAN and BIC codes.
Ideal for recurring denominated payments of a set amount*, for example your rent or your monthly savings, thus saving you time.
In concrete terms, a standing order entails asking your bank to transfer an amount to a different account on a regular basis on a certain date.
*Note that the amount can vary: it therefore depends on the balance of the current account at the moment the standing order is executed. This is only possible if executed exclusively to an ING account in Belgium.
No more paperwork. You will no longer receive paper documents.
Speed: Pay your bills with just a few clicks when you use a prefilled transfer.