{"type":"document","data":{"id":"2aa7fe59-5cf4-497e-9b6c-07c9bfe2511f","localeString":"en-GB","publishDate":"2025-12-04T17:00:48.086+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Smart banking is banking safely. Check your payments on a regular basis to spot fraudulent transactions in time."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"You know what’s coming into your account – but do you also regularly check what’s going out? Smart banking is banking safely. Here’s how to do it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/fbbec1d6-cef6-446a-a9ab-c31e9ac0646c/Overhead-view-of-bill-on-a-table-next-to-espresso-coffee-and-a-glass-of-water","type":"image","width":5616,"original":"https://assets.ing.com/m/2e568948bfe0c922/original/Overhead-view-of-bill-on-a-table-next-to-espresso-coffee-and-a-glass-of-water.jpg","extension":"jpg"},"title":"Check your Payments","subtitle":"Smart banking = safe banking"},"backLink":{"textLink":{"url":"/en/bank/safe-banking/5-bs","text":"The 5 Universal Safety Rules for Banking"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Why is checking your transactions important?","richBody":{"value":"<p>We’ve seen that many losses can be prevented if you regularly check your transactions and act quickly when something seems off. Imagine criminals withdrawing money from your account multiple times, or altering a transfer to benefit themselves. Only you can decide whether a transaction on your account is legitimate.</p>"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"Check your transactions online","richBody":{"value":"<p>Review your incoming and outgoing payments at least once every two weeks. You can do this via My ING (online banking) or with <a data-type=\"internal\" href=\"/en/personal/digital-banking/app\">the ING App</a>.</p><p>Tip: Through My ING, you can reverse unauthorised direct debits yourself.</p>"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"Check your paper statements","richBody":{"value":"<p>If you only receive paper statements, make sure to check them within two weeks of receiving them. If you suffer any loss because you were unable to check your account information (online or on paper) for a period of time, we may ask you to provide evidence of this.</p>"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"Call ING if something doesn’t look right","richBody":{"value":"<p>Has money been taken from your account without your permission? Contact us immediately. We can take action straight away to prevent further damage.</p>"}},{"componentType":"sectionTitle"},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>With the ING App, you’re always up to date with your latest transactions – anytime, anywhere. 75% of app users say they feel more in control of their finances thanks to the app. It makes paper statements almost unnecessary.</p><p> </p>"},"textLinks":[{"url":"/en/personal/digital-banking/app","text":"Download the ING App on your phone or tablet."}]},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"The 5 Universal Safety Rules","richBody":{"value":"<p>Safe banking is a shared responsibility. To ensure everyone follows the same guidelines, Dutch banks and the Dutch Consumers’ Association have established five universal safety rules for banking:</p><ol><li>Protect your codes</li><li>Protect your banking cards</li><li>Protect your devices</li><li>Check your Payments</li><li>When in doubt, call ING</li></ol>"},"textLinks":[{"url":"/de-ing/veilig-bankieren/5-bs","text":"Read on about the 5 universal rules for safe banking"}]},{"componentType":"linkList","iconTitle":{"title":"Read on about the 5 universal rules for safe banking"},"textLinks":[{"url":"https://assets.ing.com/m/d83886c78894526b/original/Uniforme-veiligheidsregels-juli-2020.pdf","text":"Read the Universal Security Guidelines of the Dutch Banking Association and the Dutch Consumers Organisation (pdf)"}]},{"componentType":"linkList","iconTitle":{"title":"Learn more"},"textLinks":[{"url":"/en/bank/safe-banking/report-fraud","text":"Report fraud immediately"},{"url":"/de-ing/veilig-bankieren/wat-wij-doen/houd-je-aan-de-veiligheidsregels","text":"ING's security policy"},{"url":"/de-ing/toegankelijkheid","text":"Need banking help?"}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/f52818ae-9791-4ef7-9799-d3f991c2e3b4/Functionalities-Lock_Confirmation_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/5b979bd44d912a17/original/Functionalities-Lock_Confirmation_Outline.svg","extension":"svg"},"title":"Safe banking"},"textLinks":[{"url":"/en/bank/safe-banking/report-fraud","text":"Report fraud to the Hotline"},{"url":"/de-ing/veilig-bankieren/soorten-oplichting-fraude","text":"More types of scams and fraud"},{"url":"https://zowerktfraude.nl/","text":"Recognising & preventing fraud"},{"url":"/en/bank/safe-banking/5-bs/update-your-browser-and-operating-system","text":"Which browser, even with screen reader"}]}]}}}