{"type":"document","data":{"id":"10c479d2-2f00-4d38-b5d7-ac6ff706caa9","localeString":"en-GB","publishDate":"2025-10-16T14:28:01.034+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"International transfers are payments to countries outside the European payment area (SEPA) and payments in a currency other than the euro."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/business/services/contact-us","text":"Contact us"}},"coreHeader":{"body":"Do you want to make a transfer abroad, outside of the SEPA area, or in another currency than euros ? You can do so online, wherever and whenever you want. It's as simple as that with Isabel, Business’Bank or the ING Banking app !","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/2d0eca32-d42e-49f4-bc9d-46cd990381d5/international-transfer-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/b18f03b773b0da1/original/international-transfer-1920.jpg","extension":"jpg"},"title":"All about international payments","subtitle":"Execute international transfers, in many different currencies, to most countries in the world."},"backLink":{"textLink":{"url":"/en/business/payments","text":"Payments"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Your benefits"},{"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":"ING allows you to manage domestic and international transfers via Telelink@Isabel or Business'Bank. You maintain an overview at all times.","title":"Efficient payment"},{"body":"Your payments are always made within ING's secure payment environments. You also receive quick confirmation that your payment has been made.","title":"Secure environment"},{"body":"The memo date ensures that every payment is made by the due date.","title":"Precise instructions"}]},{"componentType":"accordion","accordionList":[{"title":"What is an international transfer ?","richBody":{"value":"<p>International transfers are payments to countries outside the European payment<a href=\"https://www.ing.be/en/business/daily-banking/cards-and-payments/credittransfer\"> </a>area (SEPA) and payments in a currency other than the euro. You need an IBAN and BIC for most payments.</p><p>An international transfer is used in the following cases :</p><ul><li>payments in euros if the beneficiary is the holder of an account in a country outside the SEPA zone*.</li><li>payments in a currency other than the euro.</li></ul><p>What does « outside the SEPA zone” mean ?</p><p>The SEPA zone (Single Euro Payments Area) covers all the Member States of the European Union as well as Norway, Iceland, Liechtenstein, Switzerland, Monaco, Andorra and San Marino.</p><p>Any payment to a country that does not belong to the SEPA zone, or any non-euro payment within the SEPA zone is considered an international payment.</p><p>Need to make a payment in euros within the SEPA? <a data-type=\"internal\" href=\"/en/business/payments/sending-money-in-euro-sepa-business\">Go for a European transfer</a>.</p>"}},{"title":"Who can make an international payment ?","richBody":{"value":"<p>Any self-employed, company, or organization that wants to manage its payments in an efficient manner.</p>"}},{"title":"Specificities linked to a country or a currency","richBody":{"value":"<p>The execution of an international payment is in some specific cases subject to regulations applied in the country of destination. Do you want to learn more about it ? Here are some <a href=\"https://assets.ing.com/m/7198b0731eb8943f/original/Specificities-linked-to-a-country-or-a-currency-EN.pdf\">tips and tricks</a> !</p><p> </p>"}},{"title":"International cheques","richBody":{"value":"<p>You can issue international cheques via <a href=\"https://assets.ing.com/m/74d9b1960551a81e/OutgoingBankChequeBusFR.pdf\">Telelink online and offline</a>.</p>"}},{"title":"Charges","richBody":{"value":"<p>The cost of an international transfer is made up of the following:</p><ol><li>An ING payment commission</li><li>Various ING fees</li><li>ING currency conversion fees (as applicable)</li><li>Fees applied by correspondent banks.</li></ol><p>How the ING payment commission and correspondent bank fees are applied depends on the cost instruction given (BEN, SHA or OUR).</p><p>Details and calculation means of these costs are to be found in our <a href=\"https://assets.ing.com/m/af93acbacdbe6013/original/pricing-list-pro-new-en.pdf\">pricing list</a>.</p>"}},{"title":"Are you interested ?","richBody":{"value":"<p><a href=\"https://promo.ing.be/ContactStrategyBusiness/Identify?LANG=EN\">Contact us</a>.</p>"}}]},{"componentType":"applicationProcess"},{"componentType":"sectionTitle","title":"Good to know !"},{"componentType":"paragraph","richBody":{"value":"<p><a data-type=\"internal\" href=\"/en/business/payments/currency-exchange\">You can also proceed to a currency exchange between two of your own accounts</a>.</p>"}},{"componentType":"sectionTitle","title":"Service and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Need help understanding some of the terminology we use?","intro":"This page should help!","image":{"transformBaseUrl":"https://assets.ing.com/transform/af9db620-4d21-4666-959a-fc9622c4f661/cat-relaxing-books","type":"image","width":0,"original":"https://assets.ing.com/m/3be9a8fa66748c49/original/cat-relaxing-books.svg","extension":"svg"},"link":{"url":"/en/business/payments/lexicontrans"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Any questions?","intro":"Find out more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/20f1c7c4-c7c1-4be5-a1b1-095f57a89efc/Pencil-bubble_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4881bcedb44bebe7/original/Pencil-bubble_Outline_RGB.png","extension":"png"},"link":{"url":"/en/business/services"}}]}]}}}