{"type":"document","data":{"id":"e7965535-53bd-4231-98fa-0ddcb89a6674","localeString":"en-GB","publishDate":"2026-02-11T18:16:01.042+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"SEPA provides a standardised way to make payments in euros within SEPA countries and makes cross-border payments easier. Read all about it at ING."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/business/payments/paying/money-transfer","text":"Make a European transfer"}},"coreHeader":{"body":"Everyone in the Netherlands and across Europe uses IBAN as their account number.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/e891dc19-f99b-4f86-a25a-73330c341fbf/Small-business-owner-in-Brussels-uses-tablet-in-back-room-of-retail-store","type":"image","width":5616,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/2b3677f5435cc146/original/Small-business-owner-in-Brussels-uses-tablet-in-back-room-of-retail-store.jpg","extension":"jpg"},"title":"SEPA payment","subtitle":"Europe has moved to a single payment area (SEPA)."},"backLink":{"textLink":{"url":"/en/business/payments/international-payments","text":"International payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"European transfer","richBody":{"value":"<p>Want to make a payment within Europe? This can be done with a European transfer, also known as a SEPA payment. For transfers via My ING Business, the ING App or the European transfer form, you always use the IBAN as the account number.</p>"},"textLinks":[{"url":"/en/business/payments/paying/money-transfer","text":"More information about European transfers"}]},{"componentType":"paragraph","title":"What is IBAN?","richBody":{"value":"<p>IBAN (International Bank Account Number) is the international version of the current account number. When switching to SEPA, all existing domestic account numbers were replaced by IBAN. IBAN is based on your current account number, supplemented with a series of numbers and letters. In the Netherlands, IBAN consists of 18 characters.</p><p>Example of a Dutch IBAN: NL30 INGB 0123456789</p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/b3bc2063-ee12-46dd-acf7-2a95b2dd0f39/ING_sepa-2015","original":"https://assets.ing.com/m/2bf32f23ec41bdcc/original/ING_sepa-2015.svg","extension":"svg"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/payments/payments-abroad/countries-eurozone-european-economic-area-and-sepa","text":"Countries included in the SEPA area"},{"url":"/en/business/payments/paying/file-formats","text":"SEPA file formats and Format Checker"}]},{"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"}]}]}}}