Online security

11 May 2019

Banking applications: what does ING do for your security?

Very practical and easy to use, banking applications may sometimes seem a bit scary. Yet they guarantee a very high level of security and use the latest technologies to protect you from fraud.

Zoom in on some of the many actions taken by ING to guarantee the most secure mobile experience possible.

Unique profile and secret code

After you download and install Smart Banking, ING’s mobile application, you will be asked to create a unique profile in line with security rules that are similar to those for Home’Bank, ING’s online bank. You will need to choose a secret code that you will have to enter each time to identify yourself and confirm your transactions. Some smartphones even allow you to identify yourself using your fingerprint, as well as with a secret code.

In concrete terms, how does ING protect you?

In addition, ING protects you with the following measures:

  • Automatic disconnection after 3 minutes' inactivity.
  • After 5 incorrect PIN attempts, your profile is deactivated and you need to create another profile.
  • Upper limits on transactions.
  • The latest encryption systems for all transactions/communications via the bank.
  • Transaction monitoring: in the event of any unusual or suspicious movements, we will block access until we receive confirmation from you that you did in fact authorise the transaction.
  • None of your personal or banking details is stored on your device.

 “Our customers’ security is our priority. Therefore, we protect our Smart'Banking app by using the same technologies as for Home’Bank in order to guarantee our customers the highest level of security”, explains Alexandre Pluvinage, Head of Human Security at ING in Belgium.

What is account monitoring?

To protect your details, we constantly monitor movements on your account. At the slightest sign of a suspicious and/or unusual movement (and the transaction does not seem "like you"), we will block it until you confirm that you did in fact make the request. If necessary, we will also block access to the app. In that case, we will then invite you to update your contact details via Home’Bank, so we can warn you quickly if this kind of situation happens again.

Never give your password

If we call you, we will never ask you for your passwords, access codes, PINs, contact details or any other sensitive information.

If you receive a call from someone claiming to work for ING but have doubts about their authenticity, do not hesitate to hang up and call ING on +32 2 464 60 04 (this number can also be found on the back of your ING bank card). This is the only ING contact number for this kind of procedure.

Get ING Smart’Banking app on your smartphone