{"type":"document","data":{"id":"8e1a7186-651c-4675-be68-18c561bddde0","localeString":"en-GB","publishDate":"2026-03-26T04:41:26.449+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Joint transaction approval: a four-eyes principle for your payments to limit risks."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/authorisations","text":"Authorisations overview"}},"coreHeader":{"body":"Joint transaction approval helps you to reduce the risk of errors, to prevent unauthorised or accidental payments and adds add an extra level of control to your business payments.\r\n\r\nAs a representative, you can set joint transaction approval on your Business Current Account via My ING Business.\r\nIn the authorisations overview, go to the \"accounts\" tab, where you can set up joint transaction approval for your account.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/5a81e99f-eaf7-44cf-8ada-7d271607f614/FULL-LENGTH-SIDE-VIEW-OF-WOMAN-STANDING-BY-TREE","type":"image","width":5616,"original":"https://assets.ing.com/m/7bb924aafff6986e/original/FULL-LENGTH-SIDE-VIEW-OF-WOMAN-STANDING-BY-TREE.jpg","extension":"jpg"},"title":"Joint transaction approval","subtitle":"A four-eyes principle for your payments"},"backLink":{"textLink":{"url":"/en/business/customer-service","text":"Service & Contact for business customers"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Important to know if you (want to) use joint transaction approval:","richBody":{"value":"<ul><li><span><span><span><span><span><span><span><span>Payments via </span></span></span></span><span><span><span><span>iDEAL</span></span></span></span><span><span><span><span>, Transfer Cards, and Payment Requests are not possible.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>As soon as you have enabled joint transaction approval on your account, t</span></span></span></span></span></span></span></span>he personal transaction limits of representatives and endorsees do not apply for initiating payments from this account. You can set a daily limit, if you want to set a maximum amount that can be transferred per day from the account.</li><li><span><span><span><span><span><span><span><span>A second approval is not required for cash withdrawals or payments with a debit card or credit card. Card limits allow the representative to monitor these expenses.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>Digital direct debit authorisation is not possible. However, it is possible to contact the creditor to issue a paper authorisation.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>Existing recurring and scheduled payment orders, which were in effect at the time joint transaction approval was set up, will continue as normal.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>Joint transaction approval is not available for personal current accounts.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>The &apos;terms and conditions and other arrangements for businesses&apos; apply to joint transaction approval.</span></span></span></span></span></span></span></span></li></ul>"}},{"componentType":"paragraph","title":"How to activate joint transaction approval on your Business Current Account.","richBody":{"value":"<p><span><span><span><span><span><span><span><span>As a representative, you can set joint transaction approval on your Business Current Account via My ING Business.</span></span></span></span></span></span></span></span></p><ol><li>Go to the <a href=\"https://mijnzakelijk.ing.nl/banking/authorisations\">authorisations overview</a>. <span><span><span><span>There you’ll see per account who has access, what rights they have and if a transaction limit is in place.</span></span></span></span> </li><li><span><span><span><span><span><span><span><span>You can change approval per account from ‘solely authorised’ to ‘jointly authorised’ or the other way around</span></span></span></span></span></span></span></span>. </li><li><span><span><span><span><span><span><span><span>To turn joint transaction approval on (or off), you’ll need two approvals if there are multiple legal representatives registered with ING. No matter if they are solely or jointly authorised. The second approval can be given via </span></span></span></span></span></span></span></span>&apos;<a href=\"https://mijnzakelijk.ing.nl/zakelijk/overzichten/verzoekenpagina/index\">My Requests</a>&apos;. </li></ol><p><span><span><span><span><span><span><span><span><strong>Good to know:</strong></span></span></span></span><span><span><span><span> Third party funds accounts for solicitors are always set to joint transaction approval by default.</span></span></span></span></span></span></span></span></p>"}},{"componentType":"paragraph","title":"How does it work?","richBody":{"value":"<ol><li><span><span><span><span><span><span><span><span>The preparer or a payment authorisation holder creates a Payment Order via My ING Business or the Mobile Banking App.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>The Payment Order is then automatically placed in the distribution lists of all payment authorisation holders on the current account. They will not receive an active notification. Make sure they are notified that a payment is awaiting for approval.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>As soon as they log in to My ING Business, the payment authorisation holders see that a payment is awaiting for approval on the distribution list.</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>The payment order is executed immediately after the second approval is given.</span></span></span></span></span></span></span></span></li></ol>"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/business/customer-service/manage-your-details/manage-your-legal-representative-or-endorsee","text":"Authorities"},{"url":"/en/bank/safe-banking","text":"Secure banking"}]},{"componentType":"linkList","iconTitle":{"title":"General conditions and other regulations Business"},"textLinks":[{"url":"https://assets.ing.com/m/d90134a7ed4becea/original/ING-voorwaarden-en-overige-regelingen-zakelijk.pdf","text":"General conditions and other regulations Business (PDF)"},{"url":"/en/business/customer-service/new-terms-and-conditions-business","text":"General conditions and other regulations Business as of 1 July 2026"}]},{"componentType":"linkList","iconTitle":{"title":"Information & Downloads"},"textLinks":[{"text":"Do you use InsideBusiness Payments and want to switch to My ING? View the action plan."}]},{"componentType":"linkList","iconTitle":{"title":"Service & Contact"},"textLinks":[{"url":"/zakelijk/klantenservice/je-gegevens-wijzigen","text":"Change organisation details"},{"url":"/en/business/customer-service/service-en-dienstverlening","text":"Service and support"},{"url":"/en/business/customer-service/service-en-dienstverlening","text":"Customer service"},{"url":"/zakelijk/klantenservice/aanmelden-nieuwsbrief","text":"Business newsletters"}]}]}}}