{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"With a European money transfer, you can now make payments in the same way across Europe, the Single Euro Payments Area.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Transfers are always made in euros (EUR)</li><li>The sender’s account is a euro account</li><li>For transfers within the Netherlands and other <a data-type=\"internal\" href=\"/en/personal/payments/payments-abroad/countries-eurozone-european-economic-area-and-sepa\">SEPA-countries</a></li></ul>"},"title":"Features of an European money transfer (SEPA payment)"},{"componentType":"paragraph","richBody":{"value":"<ol><li><strong>Using an International Bank Account Number (IBAN)</strong><br />For European transfers, you use the IBAN. In the Netherlands, this consists of 18 characters. In other SEPA countries, it can be up to 34 characters long.</li><li><strong>Add a description: 140 characters</strong><br />European transfers allow extra characters for the description field. You can use this space to include a message or reference.</li><li><strong>Payment reference: 16 to 25 characters</strong><br />You can still use the current Dutch payment reference of 16 characters. We also support the European payment reference based on the ISO standard, which ranges from 5 to 25 characters.</li><li><strong>Include a payment ID: 35 characters</strong><br />European transfers offer extra space to include your own payment reference (also known as end-to-end ID).</li><li><strong>Submit bulk transactions in XML – ISO 20022</strong><br />The format for submitting bulk transactions is ISO 20022.</li></ol>"},"title":"How it works"},{"componentType":"paragraph","richBody":{"value":"<p>Click <a data-type=\"internal\" href=\"/en/business/payments/paying/file-formats\">here</a> for all information about SEPA file formats and electronic account statements.</p>"},"title":"SEPA file formats and electronic account statements"},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"SEPA file formats","url":"/en/business/payments/paying/file-formats"},{"text":"Country information","url":"https://www.betaalvereniging.nl/betalingsverkeer/giraal-betalingsverkeer/europees-betalen-sepa/"},{"text":"International payment","url":"/en/business/payments/international-payments/international-payment"},{"text":"Batch payment","url":"/zakelijk/betalen/betalingen-doen/verzamelbetaling"}]}]},"hasMacro":false,"id":"134a085e-4c30-4167-99ec-30006b38db4a","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business payments","url":"/en/business/payments"}},"componentType":"productHeader","coreHeader":{"body":"With a European money transfer (Europese Overschrijving), you can make payments within all SEPA countries. You pay using a single account in multiple EU countries at the same cost.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/2984fcac1bbc0fc2/original/Two-people-on-laptops.jpg","transformBaseUrl":"https://assets.ing.com/transform/dc155a39-d810-4785-b744-d3b07c1a2914/Two-people-on-laptops","type":"image","width":4896},"subtitle":"Transfer money the same way across Europe","title":"European money transfer (SEPA payment)"}},"publishDate":"2026-02-16T16:17:48.399+01:00"}}