{"type":"document","data":{"id":"157045e6-28c0-4cf7-9b60-b23e6a24468c","localeString":"en-GB","publishDate":"2026-02-10T11:16:33.368+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.zbt:betalenbinnensepa.bijschrijving.eur.EN","prijs.zbt:betalenbinnensepa.incasso.post.eur.EN","prijs.zbt:betalenbinnensepa.incasso.batch.eur.EN","prijs.zbt:betalenbinnensepa.afschrijving.digitaal.eur.EN","prijs.zbt:betalenbinnensepa.sepainstantcredittransfer.eur.EN","prijs.zbt:betalenbinnensepa.afschrijving.overschrijvingskaart.eur.EN","prijs.zbt:betalenbinnensepa.afschrijving.niet.verwerkte.afschrijving.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.post.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.batch.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.annuleringskosten.post.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.annuleringskosten.batch.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.nieuwverwerkte.post.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.nieuwverwerkte.batch.eur.EN","prijs.zbt:betalenbinnensepa.incasso.terugboeking.eur.EN","prijs.zbt:betalenbinnensepa.incasso.toegekendemeldingonterechteincasso.eur.EN","prijs.zbt:betalenbinnensepa.verzamelbetaling.nietsepa.verzamelbatch.eur.EN","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur.EN","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur.EN","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.retourpinnen.eur.EN","prijs.zbt:betalenbinnensepa.acceptatiecreditcard.binnenEER.perc.EN","prijs.zbt:betalenbinnensepa.acceptatiecreditcard.buitenEER.perc.EN","prijs.zbt:betalenbinnensepa.acceptatiecreditcard.zakelijkedebitkaartencreditcards.perc.EN","prijs.zbt:betalenbinnensepa.acceptatiecreditcard.debitkaartenbuiten.perc.EN","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur.EN","prijs.zbt:betalenbinnensepa.ideal.aansluiting.eur.EN","prijs.zbt:betalenbinnensepa.ideal.abonnement.eur.EN","prijs.zbt:betalenbinnensepa.ideal.1tm10000.eur.EN","prijs.zbt:betalenbinnensepa.ideal.10000plus.eur.EN","prijs.zbt:betalenbinnensepa.incassomachtigen.abonnement.eur.EN","prijs.zbt:betalenbinnensepa.incassomachtigen.ontvangenstandaard.eur.EN","prijs.zbt:betalenbinnensepa.incassomachtigen.ontvangenzakelijk.eur.EN","prijs.zbt:basis.bankieren.betaalverzoek.eur.EN","prijs.zbt:betalenbinnensepa.betaalautomaat.betaalpas.eur.EN","prijs.zbt:betalenbinnensepa.betaalautomaat.businesscardcorporatecard.eur.EN","prijs.zbt:betalenbinnensepa.Bewindvoering.eur.EN"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"View all fees and charges for transactions made to countries within SEPA."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Find out how much you'd pay before you commit. Find an overview of our fees for transfers within SEPA countries here.\r\n\r\nQuestions? Please get in touch with our customer service.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/55c88ede-cee5-4349-9c08-c803714b1e38/Man-swimming-underwater","type":"image","width":4000,"original":"https://assets.ing.com/m/60bb34621fa276b6/original/Man-swimming-underwater.jpg","extension":"jpg"},"title":"Transfers within SEPA countries"},"backLink":{"textLink":{"url":"/en/business/payments","text":"Business payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Current rates","textLinks":[{"url":"/en/business/payments/rates/basic-payment-solutions","text":"Basic payment solutions"},{"url":"/en/business/payments/rates/transfers-outside-sepa-countries","text":"Transfers outside SEPA countries"},{"url":"/en/business/payments/rates/cash","text":"Cash"},{"url":"/en/business/payments/rates/international-business-payments","text":"International business payments"},{"url":"/en/business/payments/rates/account-and-balance-information-costs","text":"Account and balance information"}]},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th><strong>Incoming credit transfers in euros</strong></th><th /></tr><tr><td width=\"280\">Standard credit transfer</td><td>%{prijs.zbt:betalenbinnensepa.bijschrijving.eur.EN}%</td></tr><tr><td>Direct debit (incoming)</td><td> </td></tr><tr><td>Per item</td><td>%{prijs.zbt:betalenbinnensepa.incasso.post.eur.EN}%</td></tr><tr><td>Per batch</td><td>%{prijs.zbt:betalenbinnensepa.incasso.batch.eur.EN}%</td></tr></thead></table><p> </p><table><thead><tr><th><strong>Outgoing credit transfers in euros</strong></th></tr></thead><tbody><tr><td width=\"280\">Single credit transfer</td><td><p>%{prijs.zbt:betalenbinnensepa.afschrijving.digitaal.eur.EN}% per transaction</p></td></tr><tr><td>SEPA Instant Credit Transfer</td><td>%{prijs.zbt:betalenbinnensepa.sepainstantcredittransfer.eur.EN}% per transaction</td></tr><tr><td>Single credit transfer (paper-based)</td><td>%{prijs.zbt:betalenbinnensepa.afschrijving.overschrijvingskaart.eur.EN}% per transaction</td></tr><tr><td>Single credit transfer return</td><td>%{prijs.zbt:betalenbinnensepa.afschrijving.niet.verwerkte.afschrijving.eur.EN}% </td></tr></tbody></table><p> </p><table><thead><tr><th><strong>Multiple credit transfers[1]</strong></th></tr></thead><tbody><tr><td>Multiple credit transfer</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.post.eur.EN}% per post</td></tr><tr><td>Multiple credit transfer</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.batch.eur.EN}% per batch</td></tr><tr><td>Mltiple credit transfer cancellation</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.annuleringskosten.post.eur.EN}% per post</td></tr><tr><td>Multiple credit transfer cancellation</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.annuleringskosten.batch.eur.EN}% per batch</td></tr><tr><td>Multiple credit transfer return</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.nieuwverwerkte.post.eur.EN}% per post</td></tr><tr><td>Multiple credit transfer return</td><td>%{prijs.zbt:betalenbinnensepa.verzamelbetaling.nieuwverwerkte.batch.eur.EN}% per batch</td></tr></tbody></table><p> </p><table><thead><tr><th><strong>Direct debits</strong></th></tr></thead><tbody><tr><td>Direct debit (outgoing)</td><td>%{prijs.zbt:betalenbinnensepa.incasso.post.eur.EN}% per post</td></tr><tr><td>Direct debit refusal, rejection, return, or refund [2]</td><td>%{prijs.zbt:betalenbinnensepa.incasso.terugboeking.eur.EN}% per transaction</td></tr><tr><td>Unauthorised direct debit refund [2]</td><td>%{prijs.zbt:betalenbinnensepa.incasso.toegekendemeldingonterechteincasso.eur.EN}% per awarded claim</td></tr></tbody></table><p> </p><p>[1] Multiple credit transfers to non-SEPA countries are %{prijs.zbt:betalenbinnensepa.verzamelbetaling.nietsepa.verzamelbatch.eur.EN}% per post<br />[2] Some foreign banks charge additional fees to process refunds. These additional charges will be taken from the creditor&apos;s account along with the refunded direct debit.</p><p> </p>"}},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>The Interchange Fee Directive</th></tr></thead><tbody><tr><td colspan=\"2\"><p>Every acquirer within the European Union must provide information about the Interchange Fee and Scheme costs. <a data-type=\"internal\" href=\"/zakelijk/betalen/tarieven/interchange-fee-directive\">Find more information here</a>.</p></td></tr></tbody></table>"}},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>Debit and credit card acceptance: transactions [1, 2]</th><th /><th /><th /></tr></thead><tbody><tr><td colspan=\"6\"><p>You&apos;ll pay a fee when you accept debit card and credit card transactions from customers.</p></td><td colspan=\"6\"> </td></tr><tr><td colspan=\"2\" width=\"50%\">Transactions made with Maestro, V PAY, Mastercard and Visa debit cards issued within the EEA (European Economic Area). Does not include prepaid cards, business cards, gift cards, and transactions without an IFR tag3.</td><td width=\"50%\"><p><strong>Transactions per month</strong><br /> 0 to 5000 </p><p>5.000 or more</p></td><td width=\"50%\"><p><strong>Fee per transaction</strong></p><p>%{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur.EN}%</p><p>%{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur.EN}%<br /> </p><p> </p></td></tr><tr><td colspan=\"2\">PIN transaction refunds</td><td>%{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.retourpinnen.eur.EN}%<br />per transaction</td><td> </td></tr><tr><td>Transactions made with Mastercard and Visa credit cards issued within the EEA (European Economic Area)[3]</td><td> </td><td>%{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.binnenEER.perc.EN}%</td><td> </td></tr><tr><td>Transactions made with Mastercard and Visa credit cards and debit cards issued outside the EEA[3]</td><td> </td><td>%{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.buitenEER.perc.EN}%</td><td> </td></tr><tr><td width=\"50%\">Transactions made with business debit cards or business credit cards issued in or outside the EEA[3]</td><td width=\"50%\"> </td><td width=\"50%\">%{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.zakelijkedebitkaartencreditcards.perc.EN}%</td><td width=\"50%\"> </td></tr><tr><td width=\"50%\">Transactions made with debit cards issued outside the EEA. Includes prepaid cards, gift cards, and transactions without an IFR tag[3].</td><td width=\"50%\"> </td><td width=\"50%\">%{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.debitkaartenbuiten.perc.EN}%<br /> </td><td width=\"50%\"> </td></tr><tr><td width=\"50%\"><p><strong>Fee per Point of Sale terminal</strong></p><p>If you have a Point of Sale terminal and would like to accept cards via ING, then we charge a fee for each connected Point of Sale terminal.</p></td><td width=\"50%\"> </td><td width=\"50%\">%{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur.EN}%</td><td width=\"50%\"> </td></tr><tr><td colspan=\"4\" width=\"50%\"><p>[1] ING also offers Interchange Fee Plus pricing for card acceptance. Visit ing.nl/zakelijk for more information.<br />[2] Different fees may apply to business arrangements.<br />[3] In order to correctly identify IFR tags and send transactions with the correct tag, your Point of Sale terminal must be running the latest software.</p></td></tr></tbody></table>"}},{"componentType":"paragraph"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>iDEAL</th></tr></thead><tbody><tr><td>Connection</td><td>%{prijs.zbt:betalenbinnensepa.ideal.aansluiting.eur.EN}%</td></tr><tr><td>Subscription</td><td>%{prijs.zbt:betalenbinnensepa.ideal.abonnement.eur.EN}%</td></tr><tr><td>10.000 transactions per month [1]</td><td>%{prijs.zbt:betalenbinnensepa.ideal.1tm10000.eur.EN}%</td></tr><tr><td>More than 10.000 transactions per month [1]</td><td>%{prijs.zbt:betalenbinnensepa.ideal.10000plus.eur.EN}%</td></tr></tbody></table><p>[1] If you make use of payment requests through your iDEAL contract, the same fees apply to these transactions.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p> </p><table><thead><tr><th>eMandates</th><th /></tr></thead><tbody><tr><td>eMandates Standard and/or - Business subscription</td><td>%{prijs.zbt:betalenbinnensepa.incassomachtigen.abonnement.eur.EN}% per month (excl. VAT)</td></tr><tr><td>Receive eMandate Standard</td><td>%{prijs.zbt:betalenbinnensepa.incassomachtigen.ontvangenstandaard.eur.EN}% per mandate (excl. VAT)</td></tr><tr><td>Receive eMandate Business</td><td>%{prijs.zbt:betalenbinnensepa.incassomachtigen.ontvangenzakelijk.eur.EN}% per mandate (excl. VAT)</td></tr></tbody></table><p> </p><table><thead><tr><th>Payment requests</th><th /></tr></thead><tbody><tr><td>Payment requests</td><td>%{prijs.zbt:basis.bankieren.betaalverzoek.eur.EN}% per credit transfer</td></tr></tbody></table><p> </p><table><thead><tr><th>Point of Sale terminal payments</th><th /></tr></thead><tbody><tr><td>Via debit card in euro area countries [1]</td><td>%{prijs.zbt:betalenbinnensepa.betaalautomaat.betaalpas.eur.EN}%</td></tr><tr><td>Via business and/or corporate card in euro area countries [1]</td><td>%{prijs.zbt:betalenbinnensepa.betaalautomaat.businesscardcorporatecard.eur.EN}%</td></tr></tbody></table>"}},{"componentType":"paragraph","richBody":{"value":"<p>[1] Euro area countries include: Belgium, Cyprus, Germany, Estonia, Finland, France, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Austria, Portugal, Slovenia, Slovakia, and Spain. In some non-euro countries, you can also make payments or withdrawals in euro.</p>"}},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>Professional administrators</th><th /></tr></thead><tbody><tr><td>Maintenance fee for each client account supported by a professional administrator</td><td>%{prijs.zbt:betalenbinnensepa.Bewindvoering.eur.EN}%<br />per month</td></tr></tbody></table>"}},{"componentType":"paragraph","richBody":{"value":"<p>Despite the constant care and attention that ING pays to the composition of its website www.ing.nl, unfortunately, the listed fees and rates may contain typos. ING cannot be held liable for any direct or indirect damage that may result from any typos.</p>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/75df98bd553f61a0/original/tarievenbrochure-zakelijk-betalingsverkeer.pdf","text":"Fees and charges for business transaction services (Dutch)"},{"url":"https://assets.ing.com/m/6fcc216083636851/original/tariff-brochure-for-business-transaction-services.pdf","text":"Fees and charges for business transaction services (English)"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/zakelijk/klantenservice/tarieven","text":"All ING Business fees and charges"},{"url":"/particulier/tarieven","text":"All private individuals fees and charges"}]},{"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"}]}]}}}