{"type":"document","data":{"id":"afcad8e6-893a-4b56-a5a9-0a920af6f082","localeString":"nl-BE","publishDate":"2026-01-12T09:46:46.469+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Harmonisatie van rekeningnummers voor alle betalingen in Europa. Ontdek hoe SEPA, IBAN en BIC uw leven eenvoudiger maken!"},"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":"Alles over de termen SEPA, IBAN en BIC","subtitle":"Ontdek wat er achter deze lettercombinaties schuilt."},"backLink":{"textLink":{"url":"/nl/particulieren/voor-elke-dag","text":"Voor elke dag"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"SEPA: de eengemaakte Europese betaalruimte"},{"componentType":"paragraph","richBody":{"value":"<p>SEPA (Single Euro Payments Area) zorgt ervoor dat alle betalingen binnen Europa op dezelfde manier verlopen. SEPA is van toepassing op alle lidstaten van de Europese Unie, en enkele andere landen (zie lijst van de leden <a href=\"https://assets.ing.com/m/113461ad4562789c/original/List-SEPA-Countries-NL.pdf\">hier</a>). Dankzij SEPA werden alle <a href=\"https://www.ing.be/nl/retail/daily-banking/cards-and-payments/transfer\">overschrijvingen</a> in euro en <a href=\"https://www.ing.be/nl/retail/daily-banking/cards-and-payments/direct-debit\">domiciliëringen</a> in euro in Europa geharmoniseerd. In meeste gevallen kunnen de transacties gratis en in enkele seconden uitgevoerd worden.</p><p>Daarnaast kunt u uw debetkaart in heel Europa op dezelfde manier gebruiken als in België.</p>"}},{"componentType":"sectionTitle","title":"IBAN"},{"componentType":"paragraph","richBody":{"value":"<p>IBAN is een gestandaardiseerde manier om bankrekeningnummers over heel Europa uit te schrijven. Een IBAN-code is samengesteld uit een rekeningnummer, een landcode en een numerieke controlesleutel. Vind je IBAN-nummer direct op je bankkaart of in het overzicht van je ING Banking-app. </p><ul><li>Bijvoorbeeld: BE61310126985517</li><li><a href=\"https://www.ing.be/nl/particulieren/voor-elke-dag/iban-berekenen\">Bereken hier meteen de IBAN voor uw rekeningnummer(s)</a>. U kunt uw IBAN ook berekenen in Home’Bank: ga naar Info &gt; Berekening IBAN.</li></ul>"}},{"componentType":"sectionTitle","title":"BIC"},{"componentType":"paragraph","richBody":{"value":"<p>BIC (Bank Identifier Code) is een unieke code die gebruikt wordt om internationale banken te identificeren. Bij het maken van een internationale overschrijving, binnen of buiten Europa, moet u de BIC van de bank van de begunstigde opgeven.</p><ul><li>De BIC code van ING België is BBRUBEBB.</li><li>U kunt de BIC van andere internationale banken opzoeken op de <a href=\"https://www2.swift.com/bsl/index.faces\">website van Swift</a>.</li></ul>"}},{"componentType":"sectionTitle","title":"Diensten en contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Niet gevonden wat je zoekt?","intro":"Vraag het aan Ida, ING's digitale assistent, via onze Chat in je ING Banking-app, in het menu ‘Diensten’ rechts onder je scherm","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":"/nl/particulieren/voor-elke-dag/contacteer-ing-via-chat"}},{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Download de app","intro":"Sluit je aan bij meer dan 1,5 miljoen gebruikers. Eenvoudig, snel en veilig! De ING Banking-app bespaart je geld en tijd!","image":{"transformBaseUrl":"https://assets.ing.com/transform/07963e50-c746-40a2-a413-cbff203300d5/App-adoption-QR-NL","type":"image","width":806,"altTextEN":"app QR code","altTextNL":"app QR code NL","altTextFR":"app QR code","altTextDE":"app QR code","original":"https://assets.ing.com/m/23e6557cae7ab1a2/original/App-adoption-QR-NL.png","extension":"png"},"link":{"url":"/nl/particulieren/voor-elke-dag/ing-banking-app"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Video's","intro":"Ontdek alle mogelijkheden van de ING Banking-app in onze how-to video's","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":"/nl/particulieren/diensten/videotutorials"},"linkText":"My video's"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Met ING contact opnemen","intro":"Via app, chat of telefoon.","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":"/nl/particulieren/diensten/neem-contact-op"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Vragen over een overschrijving (SEPA)?","intro":"Vind antwoorden hier","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":"/nl/particulieren/voor-elke-dag/overschijving-in-euro-sepa"}}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/nl/particulieren/diensten","text":"Meer diensten en hoe ons te contacteren"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Ook interessant!"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"ING Banking-app","intro":"Beheer je rekeningen veilig op je 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":"/nl/particulieren/voor-elke-dag/ing-banking-app"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Een eenvoudige zichtrekening nodig?","intro":"Kies het ING Do Basic-pack voor al je dagdagelijkse behoeften.","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":"/nl/particulieren/voor-elke-dag/online-zichtrekening"}}]}]}}}