International payments

Domestic, European and international payments made easy? Find out more about SEPA, BIC and IBAN right here.
  • What is SEPA ?

  • More info on BIC and IBAN

  • Making international payments

Since SEPA was introduced in 2008, there is no longer a difference between domestic and European payments. But you also easily make payments outside of Europe, via Home’Bank!​

European payments: SEPA

Thanks to SEPA (Single Euro Payments Area), all payments in Europe are performed in the same way. SEPA covers all member states of the European Union, Norway, Iceland, Liechtenstein and Switzerland. For all European payments, you need the beneficiary's IBAN and the BIC of the beneficiary's bank.

International payments

International payments are payments to non-SEPA countries, and payments within the SEPA in a currency other than euro. Most payments require an IBAN and BIC. This list provides the IBAN and BIC of foreign banks.


IBAN is a standardised way of writing bank account numbers all over Europe. An IBAN code consists of an account number, a country code and a numeric verification key.
Overview of the IBAN structure per country .
For example:

  • Account number: 310 - 1269855 - 17
  • Paper format IBAN: IBAN BE61 3101 2698 5517
  • Electronic format IBAN: BE61310126985517

Calculate the IBAN for your account number(s) here now. You can also calculate your IBAN in Home'Bank: go to Info > Calculating the IBAN.


BIC (Bank Identification Code) is a unique code used to identify international banks. When you make an international transfer within or outside Europe, you need to provide the BIC of the beneficiary's bank.

  • ING Belgium's BIC is BBRUBEBB.
  • You can look up the BIC of other international banks on the Swift website.

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