{"type":"document","data":{"id":"b7bb45bc-81bb-440c-939a-b635500f8347","localeString":"en-GB","publishDate":"2025-09-30T18:38:48.384+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Pay your beneficiary with an instant credit transfer in euro within a few seconds in Belgium and in the whole SEPA zone"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/eb/hbp/HB_Request?directUC=PAYM_SEPA","text":"Make a payment"}},"coreHeader":{"body":"An instant credit transfer is a payment that is executed by ING and credited by the bank of the beneficiary on the beneficiary's account within a few seconds in most Belgian banks, at any time, 24/24, every day of the year. As from now on, it is also possible to make an instant credit transfer in the whole SEPA zone if the bank of the beneficiary allows it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/209f7687-2a43-4db8-aa54-4a085423847d/business-instant-payments-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/475de30f323bab5b/original/business-instant-payments-1920.jpg","extension":"jpg"},"title":"Instant credit transfer is available in Europe!","subtitle":"Pay your beneficiary in just a few seconds in the SEPA zone!"},"backLink":{"textLink":{"url":"/en/business/payments","text":"Payments"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Advantages"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/3155dacb-4d0b-4466-bfa1-5526cf192adb/Coins","type":"image","width":160,"altTextNL":"Payments","original":"https://assets.ing.com/m/2a7bd7993c765426/original/Coins.svg","extension":"svg"},"highlighted":false,"items":[{"body":"The bank of the beneficiary credits the beneficiary’s account within a few seconds, 24/24, 7/7, every day of the year.","title":"24/7/365"},{"body":"In Business'Bank and Telelink Online, the instant payment is offered as an option, and it is free of charge. Of course, payments between two ING Belgium accounts are both instant.","title":"Option"},{"body":"The transactions will be reported as Instant. A new code has been created for Instant payments in the CODA.","textLink":{"url":"https://www.febelfin.be/sites/default/files/2019-04/standard-coda-2.6-en.pdf","text":"Please consult the Febelfin website (PDF) for more details."},"title":"Reporting - CODA"}]},{"componentType":"accordion","accordionList":[{"title":"What does SEPA mean?","richBody":{"value":"<p>SEPA stands for Single Euro Payments Area.</p><p>It consists of the Member States of the European Union (Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal (including the Azores and Madeira), Romania, Slovenia, Slovakia, Spain, Sweden, the United Kingdom (including Gibraltar and Northern Ireland)) and Iceland, Liechtenstein, Andorra, Monaco, Norway, Switzerland and San Marino.</p>"}},{"title":"Easy and practical","richBody":{"value":"<p>Manage your instant payments quickly and easily online via Business&apos;Bank or Telelink Online.</p>"}},{"title":"Charges","richBody":{"value":"<p>Consult our overview of all applicable charges online:</p><p> </p>"},"textLinks":[{"url":"https://assets.ing.com/m/af93acbacdbe6013/original/pricing-list-pro-new-en.pdf","text":"See the fees brochure (PDF)"}]}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/business/services","text":"All services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"European Credit Transfer (SEPA)","intro":"Fast, efficient payments!","image":{"transformBaseUrl":"https://assets.ing.com/transform/94b5090b-ae73-477a-a524-f4d74e098539/credittransfer-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/57034847890df2e8/original/credittransfer-1920.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/sending-money-in-euro-sepa-business"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"SEPA European standing orders","intro":"Never forget another payment","image":{"transformBaseUrl":"https://assets.ing.com/transform/7098693e-57a7-4465-b5fd-8c146b874a0c/europeanstandingorder-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7b29d320da7900f5/original/europeanstandingorder-1920.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/standing-order-in-euro-sepa-business"}}]}]}}}