{"type":"document","data":{"id":"72873b26-998f-40ca-a405-bab5dfcfe57e","localeString":"en-GB","publishDate":"2025-09-15T11:54:17.409+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 Europe, at any time, 24/24, 365 days a year!"},"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 in euro (SEPA) is a payment that is executed and credited by the bank of the beneficiary on the beneficiary's account within a few seconds in most European banks, 24/24, every day of the year. It is possible to make an instant payment in the whole SEPA zone if the bank of the beneficiary allows it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/facee1e3-9ef2-431a-bf9d-9c615f934f07/instant-payments-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/38293a10f73b21f6/original/instant-payments-1920.jpg","extension":"jpg"},"title":"Instant credit transfer is available in Europe!","subtitle":"Pay your beneficiary within a few seconds in the SEPA zone!"},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Advantages"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/ab8045a6-3ac5-40dc-b821-c3e4fdd00507/Debitcard","type":"image","width":162,"altTextNL":"Card","original":"https://assets.ing.com/m/4bfcbc460f40ca99/original/Debitcard.svg","extension":"svg"},"highlighted":false,"items":[{"body":"ING executes the payment within a few seconds, 24/24, 7/7, every day of the year.","title":"24/7/365"},{"body":"All payments initiated through the  ING Banking app and in Home'Bank will be executed, if possible, instantly and free of charge !  If the bank of the beneficiary does not support instant payments, you will have the option to execute a standard credit transfer.","title":"Free of charge ! !"},{"body":"It will be clearly mentioned in your list of transactions and in your payment confirmation screen that your payment was executed as an instant credit transfer.","title":"Reporting"}]},{"componentType":"accordion","accordionList":[{"title":"What does SEPA mean  ?","richBody":{"value":"<p>SEPA stands for Single Euro Payments Area.</p>"}},{"title":"In practice","richBody":{"value":"<p>Make your instant payments instantly online through the <a data-type=\"internal\" href=\"/en/individuals/daily-banking/ing-banking-app\">ING Banking app</a> and in Home&apos;Bank.</p><p>Quick and easy !</p>"}}]},{"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"}}]}]}}}