{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Do you need to make an international payment outside Europe or in a currency other than euros ? Carry out an online transfer with ING !","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"International payments with Home’Bank or the ING Banking app"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextNL":"Card","extension":"svg","original":"https://assets.ing.com/m/4bfcbc460f40ca99/original/Debitcard.svg","publishedAt":"2022-07-08T09:48:23Z","transformBaseUrl":"https://assets.ing.com/transform/ab8045a6-3ac5-40dc-b821-c3e4fdd00507/Debitcard","type":"image","updatedAt":"2022-07-08T09:50:41Z","width":162},"items":[{"body":"Carry out your international payments online 7 days a week, 24 hours a day, through Home’Bank or the ING Banking app.","title":"Online payments"},{"body":"You can access Home’Bank using your ING debit card and your digipass, your ING Banking app, or the ItsMe app.","title":"Guaranteed security"},{"body":"For all of your payments outside of the SEPA zone, or in a currency other than euros.","title":"Anywhere in the world"},{"body":"The beneficiary receives the funds within the 3 working days following the execution of your payment order. You may even define an urgency for your payment order.","title":"Whenever you want"}]},{"accordionList":[{"richBody":{"value":"

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.

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.

"},"textLinks":[{"text":"Need to make a payment in euros within the SEPA? Go for a European transfer.","url":"/en/individuals/daily-banking/sending-money-in-euro-sepa"}],"title":"What does 'outside the SEPA zone' mean ?"},{"richBody":{"value":"

Are you an ING customer ? You can log into your secured Home’Bank channel (using your ING debit card, your ING Banking app, or the ItsMe app) in order to make an international payment.

"},"title":"Who can make an international payment ?"},{"richBody":{"value":"

The BIC (Bank Identification Code) is a unique code used to identify any bank in the world. To carry out an international transfer, you need to enter the BIC of the beneficiary's bank on top of the beneficiary account number.

"},"title":"An account number, one BIC, one click and it's settled !"},{"richBody":{"value":"

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 tips and tricks !

"},"title":"Specificities linked to a country or a currency"},{"richBody":{"value":"
  1. Log on from:
  2. Fill in all of the required fields and follow all of the steps.
  3. You will be presented with an estimate of the transfer costs (as well of the exchange rate if applicable).
  4. Sign your payment, it is sent!
"},"title":"Executing an international transfer via Home'Bank or the ING Banking app. It's easy !"},{"richBody":{"value":"

Is your payment urgent ? Very urgent? Not particularly urgent? You can choose the option that suits your needs the best:

(1) Depending on the reception time of your payment order.

(2) Can be subject to a specific pricing.

"},"title":"You can define an urgency for your payment !"},{"richBody":{"value":"

If the transfer has already been debited from your account, contact the beneficiary to request a refund. If you don't know the beneficiary, contact us via the service section. There is a charge for the service of requesting a reimbursement from the beneficiary bank.

"},"title":"How can I cancel an international transfer?"},{"richBody":{"value":"

The cost of an international transfer is made up of the following:

  1. An ING payment commission
  2. Various ING fees
  3. ING currency conversion fees (as applicable)
  4. Fees applied by correspondent banks.

How the ING payment commission and correspondent bank fees are applied depends on the cost instruction given (BEN, SHA or OUR).

When all the details are filled in, a details of the transfer costs and the estimated exchange rate (if applicable) will be shown.

Details and calculation means of these costs are to be found in our pricing list.

"},"title":"What are the costs for an international transfer?"},{"richBody":{"value":"

Please contact the sender and ask them to provide proof of the transfer. If they provide proof but the funds still do not appear in your account, please ask them to contact their bank. The sender's bank can then get in touch with our banking services to carry out the necessary checks.

"},"title":"The sender claims to have transferred money, but I don’t see it in my account yet?"}],"componentType":"accordion"},{"componentType":"cta","textLink":{"text":"Log in","url":"https://ebanking.ing.be/login"}},{"componentType":"sectionTitle","title":"Good to know !"},{"componentType":"paragraph","richBody":{"value":"

You can also proceed to a currency exchange between two of your own accounts.

"}},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"medium","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3be9a8fa66748c49/original/cat-relaxing-books.svg","publishedAt":"2024-12-20T02:52:09Z","transformBaseUrl":"https://assets.ing.com/transform/af9db620-4d21-4666-959a-fc9622c4f661/cat-relaxing-books","type":"image","updatedAt":"2024-12-20T02:53:49Z","width":0},"intro":"This page should help!","link":{"url":"/en/individuals/daily-banking/lexicontrans"},"title":"Need help understanding some of the terminology we use?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","publishedAt":"2024-07-25T12:06:57Z","transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","updatedAt":"2024-07-25T12:10:21Z","width":1080},"intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"},"title":"Didn't find what you were looking for?"},{"cardSize":"medium","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"app QR code","altTextEN":"app QRR code EN","altTextFR":"app QRR code","altTextNL":"app QRR code","extension":"png","original":"https://assets.ing.com/m/234ec681f5b817b8/original/App-adoption-QR.png","publishedAt":"2023-10-16T16:15:58Z","transformBaseUrl":"https://assets.ing.com/transform/788b6511-95c5-41aa-8af3-6468e1b6fb14/App-adoption-QR","type":"image","updatedAt":"2023-12-21T15:24:39Z","width":806},"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!","link":{"url":"/en/individuals/daily-banking/ing-banking-app"},"title":"Download the app"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/5ba20befdb6ca1b/original/womanskepticalfinger.svg","publishedAt":"2024-03-09T12:44:36Z","transformBaseUrl":"https://assets.ing.com/transform/91419ee1-14cb-41ba-b692-7c3e2fb7d732/womanskepticalfinger","type":"image","updatedAt":"2024-03-09T12:48:35Z","width":160},"intro":"Need help? Watch our quick video guides","link":{"url":"/en/individuals/services/videos-tutorials"},"linkText":"My video's","title":"Videos"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/396d871ceca1427a/original/731017_illustration-foreign-currency.jpg","publishedAt":"2024-10-28T09:42:22Z","transformBaseUrl":"https://assets.ing.com/transform/c5389559-986f-4965-9abe-aa3ab4470d5e/731017_illustration-foreign-currency","type":"image","updatedAt":"2024-11-18T11:57:30Z","width":160},"intro":"Via app, chat or phone.","link":{"url":"/en/individuals/services/get-in-touch"},"title":"Contact ING"}],"componentType":"cards"}]},"hasMacro":false,"id":"c9cd41cc-6695-46e7-817f-ed0032b4df59","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Daily Banking","url":"/en/individuals/daily-banking/branches-information"}},"componentType":"productHeader","coreHeader":{"body":"Do you want to make a transfer abroad, outside of the SEPA area, or in a another currency than euros? You can do so online, wherever and whenever you want. It's as simple as that with Home'Bank or the ING Banking app !","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/ad6bfe5eaca0bc2/original/international-payments-1920.jpg","publishedAt":"2022-08-10T12:51:05Z","transformBaseUrl":"https://assets.ing.com/transform/420c7280-dc08-4291-b0a3-3b39052dad8f/international-payments-1920","type":"image","updatedAt":"2022-08-10T12:51:45Z","width":1920},"subtitle":"You can execute international transfers, in many different currencies, to most countries in the world.","title":"All about international payments"},"cta":{"componentType":"cta","textLink":{"text":"Execute an international transfer","url":"https://ebanking.ing.be/login"}}},"publishDate":"2026-08-24T12:03:00.689+02:00"}}