The main changes for international payments are in MT940 and CAMT053 files:
If your organization uses MT940/2 or CAMT.053/2 for auto reconciliation in your ERP system or accounting software, please check if these changes impact the processing or let your accounting supplier know about these changes.
Further technical details are available at bottom of the page under “I am an accounting software provider.” This helps them check if small changes to the software are needed.
Important!
If you use accounting software from one of the providers listed on this page (see the section “Welk boekhoudpakket heeft een bankkoppeling met ING?”), you don’t need to share this information with your provider — ING will do that for you.
We expect the new reporting method to start in the third quarter of 2026. Select the way you receive the files currently.
"}},{"componentType":"accordion","accordionList":[{"title":"I use Mijn ING Business","richBody":{"value":"If you make or receive international payments and use Mijn ING Zakelijk to download reports, this information is for you.
You regularly download MT940 or CAMT053 files from Mijn ING Zakelijk and upload them into your accounting software. Starting from a date in Q3 2026, international payments will be reported differently in these files.
Your accounting software provider can find the details under the section “I am an accounting software provider.” Please share this with them as soon as possible so they can prepare.
Important:
If you use accounting software from one of the providers listed on this page (see the section “Welk boekhoudpakket heeft een bankkoppeling met ING?”), you don’t need to share this information with your provider — ING will do that for you.
If you make or receive international payments and use InsideBusiness Payments to download reports, this information is for you.
You regularly download MT940 or CAMT053 files and upload them into your accounting software. Starting from a date in Q3 2026, international payments will be reported differently in these files.
Your accounting software provider can find the details under the section “I am an accounting software provider.” Please share this with them as soon as possible so they can prepare.
Important:
If you use accounting software from one of the providers listed on this page (see the section “Welk boekhoudpakket heeft een bankkoppeling met ING?”), you don’t need to share this information with your provider — ING will do that for you.
If you receive the reporting directly into your ERP system via any of ING’s Host to host channels, the changes might impact you. Below is the list of changes.
MT940
Along with list of potential changes below, we have also added some examples to illustrate the change.
Reporting impact and Changes expected for TIP transactions on NL accounts
No changes expected for client in tag 61 of MT940.
Below changes are expected in tag 86 of MT940.
Return Reason – Currently not received and reported for TIP transaction. It will be provided in reporting if appliable and received.
Instruction id - Currently not received and reporting for TIP transaction. It will be provided in reporting if appliable and received.
Customer Name – Currently received and reported only first 50 chars. Once back office will send the complete name without truncation, name with upto 70 chars can be reported.
Remittance info – Currently customer receive a lot of added information before the original provided Remittance info (see in red in below example), and as we can only report first 140 chars, originally required info is lost. With this change ING will report originally provided Remi info by customer or in payment message and customer can use that for their reconciliation.
Purpose Code – Currently it is reported in the remittance information. Now will be provided at dedicated position as per reporting specifications.
Exchange Rate – Currently reported in unstructured way in Remittance information. Now will be reported at dedicate position as per reporting specifications.
All above changes can be materialise with Back office sending these values in dedicated field and without alterations.
For customers these changes are very positive and new format is not unknown as we report most of these in correct way for SEPA transactions.
Current MT reporting:
:61:2504240424D195,36NTRFEREF//04242324486753
/TRCD/00500//OCMT/USD257,24/
:86:/EREF/E2E-IBP-JV-NL.02//CNTP/NL87INGB0020050488/INGBNL2A/NL CUSTO
MER ING WTSS/T Amsterdam//REMI/USTD//BETREFT TRANSACTIE XX2504247
5026918USD 257,24 Koers: 1,316750 NL87INGB0020050488 NL CUSTOMER
ING WTSS TRANS-REFERENCE 1000000006377308 140 characters of Unstr
uctured Remittance Information with 5 spaces in the middle 123456
789012345678901234567890123456+/
Information in bold is currently added by ING in front of client provided Remittance info, it will no longer be added and provided in front of original Remittance info. So only originally provided remittance info will be available in REMI/USTD.
To be MT reporting after this change:
:61:2504240424D195,36NTRFEREF//04242324486753
/TRCD/00500//OCMT/USD257,24/
:86:/EREF/E2E-IBP-JV-NL.02//CNTP/NL87INGB0020050488/INGBNL2A/NL CUSTO
MER ING WTSS/T Amsterdam//REMI/USTD//140 characters of Unstructur
ed Remittance Information with 5 spaces in the middle 12345678901
2345678901234567890123456 Currently truncated part of remittance info because of adding additional information at the front//EXCH/1,316750/
As the additional details before Remittance info will be removed, that will make space to provide complete Remittance info as it is and also other transaction information such as Exchange rate and Charges. Information in bold will be added as more space will be available.
CAMT
All the values will be provided into the dedicated tag for that value, including Exchange Rate and Charges.
E2E – Currently E2E id is part of structured info, it will no longer be in structured remittance info, but will be provided under End to End id inside references.
Structured info - will no longer be available – unless provided in incoming payment instructions.
Unstructured remittance info – will be provided as received in payment instruction without any additional info upfront, could be truncated at 140, if longer.
Additional Transaction info - will no longer have unstructured remittance info provided by customer or E2E id and will only be present if provided in original payment instruction.
Additional entry info – will no longer have unstructured remittance info provided by customer, and will only be present if provided in original payment instruction.
"}}]},{"componentType":"accordion","accordionList":[{"title":"I am an accounting software provider","richBody":{"value":"Below we explain how international payments will be reported in MT940 and CAMT053 files starting from a date in Q3 2026. The exact date is not yet confirmed and will be published on this page.
Based on the information below, check if you need to make changes to your software to process the new files. If needed, plan the update for Q2 2026.
MT940
Along with list of potential changes below, we have also added some examples to illustrate the change.
Reporting impact and Changes expected for TIP transactions on NL accounts
No changes expected for client in tag 61 of MT940.
Below changes are expected in tag 86 of MT940.
Return Reason – Currently not received and reported for TIP transaction. It will be provided in reporting if appliable and received.
Instruction id - Currently not received and reporting for TIP transaction. It will be provided in reporting if appliable and received.
Customer Name – Currently received and reported only first 50 chars. Once back office will send the complete name without truncation, name with upto 70 chars can be reported.
Remittance info – Currently customer receive a lot of added information before the original provided Remittance info (see in red in below example), and as we can only report first 140 chars, originally required info is lost. With this change ING will report originally provided Remi info by customer or in payment message and customer can use that for their reconciliation.
Purpose Code – Currently it is reported in the remittance information. Now will be provided at dedicated position as per reporting specifications.
Exchange Rate – Currently reported in unstructured way in Remittance information. Now will be reported at dedicate position as per reporting specifications.
All above changes can be materialise with Back office sending these values in dedicated field and without alterations.
For customers these changes are very positive and new format is not unknown as we report most of these in correct way for SEPA transactions.
Current MT reporting:
:61:2504240424D195,36NTRFEREF//04242324486753
/TRCD/00500//OCMT/USD257,24/
:86:/EREF/E2E-IBP-JV-NL.02//CNTP/NL87INGB0020050488/INGBNL2A/NL CUSTO
MER ING WTSS/T Amsterdam//REMI/USTD//BETREFT TRANSACTIE XX2504247
5026918USD 257,24 Koers: 1,316750 NL87INGB0020050488 NL CUSTOMER
ING WTSS TRANS-REFERENCE 1000000006377308 140 characters of Unstr
uctured Remittance Information with 5 spaces in the middle 123456
789012345678901234567890123456+/
Information in bold is currently added by ING in front of client provided Remittance info, it will no longer be added and provided in front of original Remittance info. So only originally provided remittance info will be available in REMI/USTD.
To be MT reporting after this change:
:61:2504240424D195,36NTRFEREF//04242324486753
/TRCD/00500//OCMT/USD257,24/
:86:/EREF/E2E-IBP-JV-NL.02//CNTP/NL87INGB0020050488/INGBNL2A/NL CUSTO
MER ING WTSS/T Amsterdam//REMI/USTD//140 characters of Unstructur
ed Remittance Information with 5 spaces in the middle 12345678901
2345678901234567890123456 Currently truncated part of remittance info because of adding additional information at the front//EXCH/1,316750/
As the additional details before Remittance info will be removed, that will make space to provide complete Remittance info as it is and also other transaction information such as Exchange rate and Charges. Information in bold will be added as more space will be available.
CAMT
All the values will be provided into the dedicated tag for that value, including Exchange Rate and Charges.
E2E – Currently E2E id is part of structured info, it will no longer be in structured remittance info, but will be provided under End to End id inside references.
Structured info - will no longer be available – unless provided in incoming payment instructions.
Unstructured remittance info – will be provided as received in payment instruction without any additional info upfront, could be truncated at 140, if longer.
Additional Transaction info - will no longer have unstructured remittance info provided by customer or E2E id and will only be present if provided in original payment instruction.
Additional entry info – will no longer have unstructured remittance info provided by customer, and will only be present if provided in original payment instruction.
"}}]}]}}}