{"type":"document","data":{"id":"b682e288-dd5a-4420-982e-68c589554c65","localeString":"en-GB","publishDate":"2026-01-12T09:47:45.706+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The creation of international bank account numbers (IBAN) means sending money in euro all over Europe really easily!"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/1f0b9e26-f7cb-4aa3-bf6b-51ed64e6aadd/sepa-1920-1","type":"image","width":1920,"original":"https://assets.ing.com/m/68a20f018b55a38b/original/sepa-1920-1.jpg","extension":"jpg"},"title":"All about the acronyms SEPA, IBAN and BIC","subtitle":"Discover the meaning of these simple acronyms."},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"SEPA, the single euro payments area"},{"componentType":"paragraph","richBody":{"value":"<p>Thanks to SEPA (Single Euro Payments Area) all payments in Europe are made in the same way. SEPA covers all member states of the European Union, as well as few other states (consult the list of its members <a href=\"https://assets.ing.com/m/f5af95c4e260e52/original/List-of-SEPA-countries-EN.pdf\">here</a>).</p><p>Thanks to SEPA, all <a href=\"https://www.ing.be/en/retail/daily-banking/cards-and-payments/transfer\">transfers</a> in euro and <a href=\"https://www.ing.be/en/retail/daily-banking/cards-and-payments/direct-debit\">direct debits</a> in euro are harmonized in Europe thanks to IBAN. In most of the cases, these transactions are free of charge. Also, you can use your bank card all over Europe in the same way as in Belgium.</p>"}},{"componentType":"sectionTitle","title":"IBAN"},{"componentType":"paragraph","richBody":{"value":"<p>IBAN (International Bank Account Number) is a standardized way of writing bank account numbers all over Europe. An IBAN consists of an account number, a country code and a numeric verification key. Find your IBAN number directly on your bank card or in the overview of your ING Banking app. </p><ul><li>Example of an electronic format IBAN: BE61310126985517</li><li><a href=\"https://www.ing.be/en/individuals/daily-banking/iban-calculator\">Calculate the IBAN for your account number(s) here now</a>. You can also calculate your IBAN in Home&apos;Bank: go to Info &gt; Calculating the IBAN.</li></ul>"}},{"componentType":"sectionTitle","title":"BIC"},{"componentType":"paragraph","richBody":{"value":"<p>BIC (Bank Identifier 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&apos;s bank.</p><ul><li>ING Belgium&apos;s BIC code is BBRUBEBB.</li><li>You can find the BIC of other international banks on the <a href=\"https://www2.swift.com/bsl/index.faces\">Swift website</a>.</li></ul>"}},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Didn't find what you were looking for?","intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","image":{"transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080,"original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"}},{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Download the app","intro":"Join our 1.5 million users. Simple, secure, the ING Banking app saves you both money and time so you can live your life to the fullest!","image":{"transformBaseUrl":"https://assets.ing.com/transform/788b6511-95c5-41aa-8af3-6468e1b6fb14/App-adoption-QR","type":"image","width":806,"altTextEN":"app QRR code EN","altTextNL":"app QRR code","altTextFR":"app QRR code","altTextDE":"app QR code","original":"https://assets.ing.com/m/234ec681f5b817b8/original/App-adoption-QR.png","extension":"png"},"link":{"url":"/en/individuals/daily-banking/ing-banking-app"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Videos","intro":"Discover all the possibilities of the ING Banking app with these easy videos","image":{"transformBaseUrl":"https://assets.ing.com/transform/91419ee1-14cb-41ba-b692-7c3e2fb7d732/womanskepticalfinger","type":"image","width":160,"original":"https://assets.ing.com/m/5ba20befdb6ca1b/original/womanskepticalfinger.svg","extension":"svg"},"link":{"url":"/en/individuals/services/videos-tutorials"},"linkText":"My video's"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Contact ING","intro":"Via app, chat or phone.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c5389559-986f-4965-9abe-aa3ab4470d5e/731017_illustration-foreign-currency","type":"image","width":160,"original":"https://assets.ing.com/m/396d871ceca1427a/original/731017_illustration-foreign-currency.jpg","extension":"jpg"},"link":{"url":"/en/individuals/services/get-in-touch"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Questions about a transfer (SEPA)?","intro":"Find answers here","image":{"transformBaseUrl":"https://assets.ing.com/transform/a8becf32-5cde-492a-ad80-05d6a2182220/Functionalities-Questionmark_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/10b8430218edad32/original/Functionalities-Questionmark_Outline.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/sending-money-in-euro-sepa"}}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"ING Banking app","intro":"Manage your accounts safely on your smartphone","image":{"transformBaseUrl":"https://assets.ing.com/transform/b00ab196-8583-4fff-be5d-c47ab14e53f2/ing-banking-app-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/61138ab1a559002a/original/ing-banking-app-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/ing-banking-app"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Need a basic bank account?","intro":"Opt for the ING Do Basic pack for all your day-to-day banking needs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/dffd393e-3d20-4705-8bab-7d864e1247eb/Small_business_owner_in_Brussels_smiles_while_at_desk_with_table-low-res","type":"image","width":1024,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/16d4fca0f496ec6e/original/Small_business_owner_in_Brussels_smiles_while_at_desk_with_table-low-res.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/online-bank-account"}}]}]}}}