{"type":"document","data":{"id":"652cb840-3536-48a5-a5fe-2b5f68d41b7b","localeString":"en-GB","publishDate":"2025-11-04T09:25:34.573+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"With an International payment business, you can make a (foreign) transfer in a currency other than euros to a SEPA country, or in euros to almost any country worldwide."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"With an International payment business (Wereldbetaling Zakelijk),  you can easily, quickly and cost-effectively transfer money to almost all countries outside the SEPA area, or in a currency other than euros within it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/88512113-4d88-4c76-9add-80d94f7c5c2c/PORTRAIT-OF-HAPPY-YOUNG-COUPLE","type":"image","width":5700,"altTextNL":"\"\"","original":"https://assets.ing.com/m/59d75bd7782709df/original/PORTRAIT-OF-HAPPY-YOUNG-COUPLE.jpg","extension":"jpg"},"title":"International payment business","subtitle":"International money transfer in euros and other currencies"},"backLink":{"textLink":{"url":"/en/business/payments/international-payments","text":"International payments"}}},"flexZone":{"flexComponents":[{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/d27618f8-536e-4772-b86f-5119edab45ae/Circle-Coins-5","type":"image","width":64,"original":"https://assets.ing.com/m/7e4f399ea022700/original/Circle-Coins-5.svg","extension":"svg"},"body":"If you have one or more foreign currency accounts and you want to transfer funds between your own euro or foreign currency accounts, it is easier and most cost-effective to use Currency Exchange.","date":{},"textLink":{"url":"/en/business/payments/international-payments/currency-exchange","text":"Try it yourself"}},{"componentType":"paragraph","title":"Easily via the app and My ING business","richBody":{"value":"<p><strong>ING app:</strong></p><ul><li>Select &apos;Transfer&apos; within the app</li><li>Tap the globe icon in the top right corner</li><li>You will automatically be redirected to Mijn ING business and the screen for international payment</li></ul><p>Or go to the ‘Service’ menu in the bottom right corner of the app. Click on ‘Accounts’ and select ‘International payment’. You will again be redirected to the screen for international payment within My ING business</p><p><strong>My ING Business:</strong></p><ul><li>Log in to My ING Business and select &apos;Transfer&apos;</li><li>Choose the country and currency you want to send</li><li>Enter the currency, amount and cost allocation</li><li>You will immediately see the exchange rate, fees and the total amount to be paid</li></ul>"}},{"componentType":"paragraph","title":"Key features","richBody":{"value":"<p><strong>Fast processing</strong></p><ul><li><p>For many currencies, ING processes your payment immediately, and the funds can reach the beneficiary the same day. For more information, see the <a style=\"background-color: rgb(255, 255, 255);\" data-type=\"internal\" href=\"/en/personal/payments/payments-abroad/processing-time-foreign-payments\">cut-off times</a>.</p></li></ul><p><strong>Exchange rate known immediately</strong></p><ul><li><p>The exchange rate shown in the transaction offer in My ING business almost always applies. Occasionally, there may be a slight difference due to rate adjustments during the transfer. This way, you know exactly where you stand when making an International payment.</p></li><li><p>To offer the best and most transparent exchange rates, ING determines these based on the external certified source WM Reuters, operated by <a style=\"background-color: rgb(255, 255, 255);\" href=\"https://www.lseg.com/en/ftse-russell/benchmarks/wmr-fx-benchmarks\">FTSE Russell</a>. FTSE Russell is a certified provider of exchange rates under the regulation of ESMA (European Securities and Markets Authority). ING applies a margin to these exchange rates.</p></li><li><p>On the <a href=\"https://www.lseg.com/en/ftse-russell/benchmarks/wmr-fx-benchmarks\">FTSE Russell</a> website you can click on “Request details” and enter your personal information. You will receive an overview of the latest known midmarket rates from WM Reuters.</p></li></ul><p><strong>Fixed fee of 12 euros</strong></p><ul><li>ING charges a fixed fee of 12 euros for sending and receiving International payments.</li><li>This fee applies to payments with cost option SHA (shared costs) or OUR (you bear all costs).</li><li>If you choose to pass all costs to the recipient (BEN), you pay no fees.</li><li>If you choose to bear all costs, including those of the recipient (OUR), these additional costs will be added. See <a data-type=\"internal\" href=\"/en/personal/payments/payments-abroad/our-surcharge-rates-per-country\">country-specific fees</a>.</li></ul>"}},{"componentType":"paragraph","title":"Tips for making an International payment","richBody":{"value":"<ul><li>We recommend transferring in the currency of the recipient’s account. This helps avoid the application of an exchange rate by the receiving bank.</li><li>Check that your limits are correctly set. You can find more information about adjusting limits <a data-type=\"internal\" href=\"/en/business/customer-service/manage-your-details/change-limit\">here</a>.</li><li>When transferring to a country where IBAN is used, we do not ask you to enter the BIC. We will automatically retrieve it when the payment is sent.</li><li>For payments to countries where IBAN is not fully implemented, providing the BIC is mandatory.</li><li>In addition to the BIC code, some countries require a National Bank Code. This will be shown automatically when you select the country.</li><li>You can find the BIC code on the website of the recipient’s bank or request it from the recipient.</li><li>A BIC (and, if applicable, a National Bank Code) is required to process an International Business Payment automatically. Without these codes, we cannot process the payment.</li><li>Check the <a style=\"background-color: rgb(255, 255, 255);\" data-type=\"internal\" href=\"/zakelijk/betalen/internationaal-betalingsverkeer/uitleg-per-land\">country pages</a> for specific requirements per country, such as a National Bank Code or what to include in the description field.</li><li>If the details in your payment instruction are incomplete or incorrect, the foreign bank may reject and return your payment. This may be subject to deductions, meaning you may not receive the full amount back.</li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"Explanation of cost options BEN, SHA and OUR","richBody":{"value":"<ul><li><p><strong>OUR:</strong> You cover all costs, both those charged by ING and those charged by the recipient’s bank. No fees may be deducted by intermediary banks. The full amount will arrive at the beneficiary’s bank. In exceptional cases, the beneficiary’s bank may still deduct additional fees. ING has no influence over these charges.</p></li><li><p><strong>SHA:</strong> You share the costs with the recipient. ING charges you a fee and the recipient is charged by their bank. Additional fees are often applied by intermediary banks.</p></li><li><p><strong>BEN:</strong> ING does not charge you any fees. The beneficiary covers all costs, including those charged by ING. ING deducts these costs from the amount being transferred.</p></li></ul><p>Transfers to an <a data-type=\"internal\" href=\"/en/personal/payments/payments-abroad/countries-eurozone-european-economic-area-and-sepa\">EEA country</a> can only be processed with shared cost allocation (SHA), regardless of the currency, due to legal and regulatory requirements.</p><p>The fee for requesting a trace on an International payment is 30 euros</p>"}},{"title":"When does the product information on this page apply?","richBody":{"value":"<p>The information on this page refers to the product International payment business. All customers will be migrated to the new product. You will be notified about this.</p>"}},{"title":"ING Bank BIC details","richBody":{"value":"<ul><li>The BIC of ING is: INGBNL2A</li><li><p>To receive an international payment, you may be asked for ING’s address:</p></li></ul><p>ING Bank N.V.  <br />Foreign Operations  <br />PO Box 1800 1000 BV Amsterdam</p>"}},{"title":"What is the difference between an European money transfer (SEPA payment) and an international payment?","richBody":{"value":"<p>You can have your international payments processed by ING in several ways. With an International payment business, you can easily, quickly and cost-effectively transfer money to almost all countries outside the SEPA area, or in a currency other than euros within it.<br />All payments within the SEPA area in euros are SEPA payments.</p><p><strong>SEPA payment or European money transfer</strong><strong>:</strong></p><ul><li>For payments within the Netherlands and other SEPA countries</li><li>Transfers in euros</li></ul><p><strong>International payment business:</strong></p><ul><li>To bank accounts within and outside the EEA</li><li>Transfers in euros and almost all foreign currencies</li><li>Choose your own cost allocation</li></ul>"}}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/zakelijk/betalen/internationaal-betalingsverkeer/muntcode-vreemde-valuta","text":"Currency code for foreign currencies"},{"url":"/en/personal/payments/payments-abroad/processing-time-foreign-payments","text":"Processing time for international payment business"},{"url":"/zakelijk/betalen/internationaal-betalingsverkeer/uitleg-per-land","text":"International payments: country-specific information"},{"url":"/zakelijk/internationaal-ondernemen","text":"International business"},{"url":"/en/business/payments/paying/change-in-reporting-international-payments","text":"Improved reporting for International payments"}]},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"/zakelijk/betalen/internationaal-betalingsverkeer/wat-is-bic-en-iban","text":"What is BIC and IBAN?"},{"url":"/en/personal/payments/payments-abroad/processing-time-foreign-payments","text":"Cut-off times for international payments"},{"url":"/zakelijk/betalen/internationaal-betalingsverkeer/uitleg-per-land","text":"Country-specific information"},{"url":"https://assets.ing.com/m/75df98bd553f61a0/original/Tarieven-zakelijk-betalingsverkeer-1-januari-2024.pdf","text":"Tarieven zakelijk betalingsverkeer (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/business/accepting-payments","text":"Accepting payments"},{"url":"/zakelijk/betalen/betalingen-doen","text":"Executing payments"},{"url":"/en/business/payments/cash","text":"Cash withdrawal and deposit"}]}]}}}