{"type":"document","data":{"id":"42d37d3b-c912-419e-8132-1aa55b8a1dbb","localeString":"en-GB","publishDate":"2026-02-04T11:23:34.173+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Use the SEPA credit transfer to safely send money in euros within Europe. Questions? Check our frequently asked questions!"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/eb/hb/HB_Request","text":"Make a payment"}},"coreHeader":{"body":"All transfers from ING in Europe are instantly processed. So if you execute a transfer in euros (SEPA), it will appear within seconds on your beneficiary’s account.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/2e8939e6-b9ef-48da-99a4-476655487410/transfer-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/97dc2382b184140/original/transfer-1920.jpg","extension":"jpg"},"title":"All about sending money in euro (SEPA)","subtitle":"Make your payment transfers in euro in a uniform way anywhere in the SEPA zone."},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"All about sending money in euro (SEPA)"},{"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":"All transfers from ING in Europe are instantly processed. They will appear within seconds on your beneficiary’s account.","title":"Fast, free & efficient payments!"},{"body":"Enter a future execution date for your payments, so you don't forget them. In addition, these will be executed instantly!","title":"Plan your payments"},{"body":"Need to pay the same amount on a regular basis? With a standing order in euro (SEPA), you choose when and how often to pay. The rest occurs automatically. In addition, you will be able to choose between an instant or a standard transfer!","title":"Pay your recurring bills automatically!"}]},{"componentType":"sectionTitle","title":"How to execute a transfer?"},{"componentType":"paragraph","title":"Watch the below video.","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/556f7369d61e0e8d/original/730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.mp4","videoPreviewURLs":["https://assets.ing.com/asset/ee342e81-a4fc-458d-a094-4775bd8c172e/1080p/730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.mp4","https://assets.ing.com/asset/ee342e81-a4fc-458d-a094-4775bd8c172e/mp4/730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.mp4","https://assets.ing.com/asset/ee342e81-a4fc-458d-a094-4775bd8c172e/480p/730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.mp4","https://assets.ing.com/asset/ee342e81-a4fc-458d-a094-4775bd8c172e/720p/730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/556f7369d61e0e8d/mini-730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.jpg","webimage":"https://assets.ing.com/m/556f7369d61e0e8d/webimage-730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.jpg","thul":"https://assets.ing.com/m/556f7369d61e0e8d/thul-730584-How-to-make-a-transfer-SEPA-EN-1920-1080-SOUND.jpg"},"extension":["mp4"]}},{"componentType":"applicationProcess","steps":{"title":"How do I make a transfer in euros in the ING Banking app?","stepList":[{"title":"In the ‘Overview’ tab","body":"Tap ‘Transfer’ in the top left-hand corner and select 'Transfer money'."},{"title":"Select the account you want to transfer money to","body":"Enter the name and account number of the beneficiary, the amount of the transfer and the message."},{"title":"Press ‘Confirm’ to execute the transfer"}]}},{"componentType":"sectionTitle","title":"How to view or change your transfer limits?"},{"componentType":"paragraph","title":"Watch the below video.","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/25ac8bdee7156152/original/How-to-view-or-change-your-transfer-limit-en-1080p.mp4","videoPreviewURLs":["https://assets.ing.com/m/25ac8bdee7156152/1080p-How-to-view-or-change-your-transfer-limit-en-1080p.mp4","https://assets.ing.com/m/25ac8bdee7156152/480p-How-to-view-or-change-your-transfer-limit-en-1080p.mp4","https://assets.ing.com/m/25ac8bdee7156152/720p-How-to-view-or-change-your-transfer-limit-en-1080p.mp4","https://assets.ing.com/m/25ac8bdee7156152/mp4-How-to-view-or-change-your-transfer-limit-en-1080p.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/25ac8bdee7156152/mini-How-to-view-or-change-your-transfer-limit-en-1080p.jpg","webimage":"https://assets.ing.com/m/25ac8bdee7156152/webimage-How-to-view-or-change-your-transfer-limit-en-1080p.jpg","thul":"https://assets.ing.com/m/25ac8bdee7156152/thul-How-to-view-or-change-your-transfer-limit-en-1080p.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is SEPA?","richBody":{"value":"<p>Sending money in euro (SEPA) lets you make payments in the same way, anywhere in the Single European Payment Area (SEPA). Click <a href=\"https://assets.ing.com/m/f5af95c4e260e52/original/List-of-SEPA-countries-EN.pdf\">here</a> to find the list of SEPA countries.</p>"}},{"title":"What should I do if the beneficiary hasn't received my transfer yet?","richBody":{"value":"<p>First check that the beneficiary details you entered are correct. If they are, the payment time depends on the payment type:<br />- Instant payments should arrive within seconds. All SEPA transfers will be executed instantly. Check the details of the specific transfer on your transaction overview to see if the payment was executed as an instant credit transfer or as a standard SEPA transfer. <br />- International payments can take several working days depending on the beneficiary bank. More info <a data-type=\"internal\" href=\"/en/individuals/daily-banking/international-payments\">here</a></p>"}},{"title":"How can I see if my transfer was an instant transfer?","richBody":{"value":"<p>All SEPA transfers will be executed instantly. This also applies to weekends and public holidays. Check the details of the specific transfer on your transaction overview to see if the payment was executed as an instant credit transfer or as a standard SEPA transfer. </p>"}},{"title":"What are the standard and maximum transfer limits?","richBody":{"value":"<p>Default bank transfer limits for private individuals (over 18):</p><ul><li>Via ING Banking app, Home&apos;Bank (internet banking), Payment Initiation Service: 12,500 euros per 24 hours</li><li>Bancontact payments via ING Banking: 250 euros per 24 hours</li><li>ING credit cards: variable (consult Home&apos;Bank or ING Banking app)</li></ul><p>For further details and default limits for minors please check <a data-type=\"internal\" href=\"/en/individuals/daily-banking/change-limits-payments-accounts\">this page</a>.</p><p>You can increase your bank transfer limit up to a maximum of 250,000 euros, online or via the ING Banking app. For your security, the limit increase takes 4 hours to go into effect. Need a higher limit? <a data-type=\"internal\" href=\"/en/individuals/services/contact-us\">Contact us via the services section</a>.</p><p> </p>"}},{"title":"What are IBAN, BIC and a memo date?","richBody":{"value":"<p>The IBAN (International Bank Account Number) and BIC (Bank Identifier Code) codes identify the bank:</p><ul><li><strong>IBAN</strong></li><li><a data-type=\"internal\" href=\"/en/individuals/daily-banking/iban-calculator\">Find out the IBAN code for your account number</a>.</li><li>The IBAN is a standardised method for recording bank account numbers. It has a fixed length in each country. It consists of a two-letter country code, a two-figure control digit and a national account number. Note: Some IBANs can also contain letters (in addition to those of the country code).</li><li>Note: some IBANs may also contain letters (in addition to those present in the country code).</li><li>For sending money in euro electronically, enter the correct account numbers (IBAN) of the <strong>applicant and the beneficiary</strong>.</li><li><strong>BIC</strong></li><li>ING Belgium&apos;s BIC is BBRUBEBB.</li><li>The BIC (Bank Identifier Code) is the code that enables the unique identification of every bank in the world. It is <strong>not mandatory</strong> to enter the BIC of the beneficiary&apos;s bank when making a SEPA transfer.</li><li><strong>Memo date?</strong><br />Do you want the payment to be executed at a later date? Enter an execution date in the future. If you do not enter a date, your payment will be executed immediately.</li></ul>"}},{"title":"What should I do if I transferred money to the wrong account number?","richBody":{"value":"<p>If the transfer has already been debited from your account, contact the beneficiary to request a refund. If you don&apos;t know the beneficiary, we can request the return of funds from the beneficiary&apos;s bank. There is a charge for the service. Initiate a request via <a href=\"https://ebanking.ing.be/banking/mobile/modify-or-cancel-payment\">this link</a>.</p>"}},{"title":"The sender claims to have transferred money, but I don’t see it in my account yet?","richBody":{"value":"<p>Contact the sender of the payment and request proof that they have transferred the money. If they do this and the money still doesn&apos;t appear on your account, ask them to check with their bank for more details.</p>"}},{"title":"How much does it cost to send money outside of Belgium?","richBody":{"value":"<p>Sending money in euros to and from an account in the SEPA zone, including Belgium, is free of charge. The cost of sending money outside of Belgium depends on several factors:</p><ul><li>ING transfer charges</li><li>other ING fees</li><li>ING currency conversion fees (as applicable)</li><li>Fees applied by the correspondent bank(s)</li></ul><p>The fees ING and the correspondent bank(s) apply depends on the instructions given for the distribution of charges: BEN, SHA or OUR. For more details, consult <a href=\"https://assets.ing.com/m/4f78f60fd9714d80/original/pricing-list-private-new-EN.pdf\">this document</a>. </p>"}},{"title":"What happens if I make a transfer to a blocked or closed account?","richBody":{"value":"<p>The money will be returned to the sender&apos;s account. The time it takes to receive the refund depends on the bank of the blocked or closed account.</p>"}},{"title":"What are automatic payments in euros (SEPA)?","richBody":{"value":"<p>Manage your automatic payments in euros yourself easily using the ING Banking app, Home&apos;Bank or a Self&apos;Bank terminal in a branch. Transfer from your account to another account also held in one of the member states of the European Union (or Norway, Iceland, Liechtenstein, Switzerland, Monaco, San Marino, or Andorra). It&apos;s free!</p><p>Click <a href=\"https://assets.ing.com/m/8a1eefca0ddbd968/List_SEPA_Countries_EN.pdf\">here</a> to find the list of SEPA countries.</p><p>There are two types:</p><ul><li><strong>Direct debits in euro (SEPA)</strong></li><li>Pay your recurring bills automatically, even if the amount changes each time! You can be confident that you will always pay on time, and late payment charges will be a thing of the past!</li><li>In concrete terms, a <a data-type=\"internal\" href=\"/en/individuals/daily-banking/direct-debit-in-euro-sepa\">direct debit</a> in euro (SEPA) gives the supplier the authorization to settle their bill directly with your bank. This is called a mandate.</li><li>Thanks to SEPA (the Single Euro Payments Area), direct debits in Europe have been standardized using the <a data-type=\"internal\" href=\"/en/individuals/daily-banking/iban-bic-transfer-sepa\">IBAN and BIC codes</a>.</li><li><strong>Standing orders in euro (SEPA)</strong></li><li>Ideal for recurring denominated payments of a set amount, for example your rent or your monthly savings, thus saving you time.</li><li>In concrete terms, a <a data-type=\"internal\" href=\"/en/individuals/daily-banking/standing-order-in-euro-sepa\">standing order</a> in euro (SEPA) entails asking your bank to transfer an amount to a different account on a regular basis on a certain date.</li></ul>"}},{"title":"What should I do if I don’t see my transfer in my transactions list?","richBody":{"value":"<p>First check that there is sufficient money on your account and that you signed the payment correctly and did not receive an error message.</p><p>Wait a few minutes before trying again, so as to avoid making the transfer twice.</p><p>If you signed your payment correctly, you should be able to see it in your account overview. If it wasn&apos;t an instant payment, it may only appear the next day. If you still don&apos;t see it the next day but your account balance has decreased, <a data-type=\"internal\" href=\"/en/individuals/services/contact-us\">contact us via the services section</a>. </p>"}},{"title":"Where can I get a proof of payment?","richBody":{"value":"<p>In the ING Banking app, go to the specific transaction in your account overview and tap the share button in the top right corner to generate a proof of payment. In Home&apos;Bank, click on the transaction in your account overview, then on &quot;View as PDF&quot; to download the transaction. You can use it as proof of payment.</p><p>If you need an official proof of payment, <a data-type=\"internal\" href=\"/en/individuals/services/contact-us\">contact us via the services section.</a> There is a charge for this service. </p>"}},{"title":"What should I do if I encounter an error while transferring money?","richBody":{"value":"<p>First check that the beneficiary details you entered are correct. If the transfer is not on the transaction list, wait a few minutes before entering it again to avoid making the transfer twice. Otherwise there may be a technical error. Please try on a different browser or reset the cookies on your browser. </p>"}},{"title":"What should I do if I've entered the wrong communication in my transfer?","richBody":{"value":"<p>A wrong communication doesn&apos;t affect the execution of the payment. Contact the beneficiary to inform him about the error is needed.</p>"}}]},{"componentType":"sectionTitle","title":"Services 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/individuals/daily-banking/lexicontrans"}},{"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":"What is my IBAN code?","intro":"Enter your account number","image":{"transformBaseUrl":"https://assets.ing.com/transform/11200af0-4d4a-48cc-a7f0-bebd24c7b21a/Calculator_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1f0f056525180f08/original/Calculator_outline_orange_RGB.png","extension":"png"},"link":{"url":"/en/individuals/daily-banking/iban-calculator"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Need to make a payment now?","intro":"Enter your bank transfer via Home'Bank","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/hb/HB_Request?directUC=PAYM_SEPA&standalone=true"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Which current account for me?","intro":"Compare and choose","image":{"transformBaseUrl":"https://assets.ing.com/transform/f24ea95f-cca0-496f-824c-ddefad22ce01/wallet-coins-debit-card-money-no-padding","type":"image","width":0,"original":"https://assets.ing.com/m/637ac3dbd94ade59/original/wallet-coins-debit-card-money-no-padding.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/compare-bank-accounts"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Modify your payment and withdrawal limits?","intro":"Change your debit card limits online via Home'Bank","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/modify-limits-debit-card?EW=true"}}]},{"componentType":"paragraph","richBody":{"value":"<p><a data-type=\"internal\" href=\"/en/individuals/services\">More services and how to contact us</a></p>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Direct Debit in Euro (SEPA)","intro":"Pay your recurring bills 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seconds in Europe!","image":{"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"},"link":{"url":"/en/individuals/daily-banking/instant-credit-transfer-in-euro-sepa"}}]}]}}}