The Bank Identifier Code (BIC) is a unique code that identifies a bank when you do international payments. Every bank has its own BIC. It might also be called a ‘SWIFT address’ or a ‘SWIFT code’. You will only get the correct BIC from the (bank of the) recipient. If someone wants to send money to your ING current account from abroad, give them ING’s BIC (INGBNL2A) and your IBAN.
"}},{"componentType":"paragraph","title":"International Bank Account Number (IBAN)","richBody":{"value":"Your IBAN identifies you as an account holder, including your bank and country of residence. To make payments across Europe easier, banks in the EU created the IBAN as a new standard. Thanks to its unique format, banks can process payments automatically, no extra information needed. You will only get the correct IBAN from the (bank of the) recipient.
"}},{"componentType":"paragraph","title":"Single Euro Payments Area (SEPA)","richBody":{"value":"With SEPA, paying across Europe is just as easy and fast as paying within the Netherlands.
"}},{"componentType":"paragraph","title":"What is SEPA?","richBody":{"value":"Transfers, direct debits and debit cards
If someone is sending money to your ING current account from abroad, give them ING’s BIC (INGBNL2A) and your IBAN. You can find your IBAN in your account overview in My ING or the ING app.
"}},{"componentType":"paragraph","title":"Costs","richBody":{"value":"European transfer: The costs are always shared (SHA). ING doesn’t charge you for a European transfer. The receiving bank might charge a fee that is paid by the recipient.
World payment: You decide how the costs are split between you and the person you are sending money to. If you do not specify, the costs will be shared (SHA) by default.
Please note: Payments to accounts within the EEA* in an EEA* currency are always processed with shared costs (SHA).
"}},{"componentType":"paragraph","title":"Cost split options: OUR, SHA and BEN","richBody":{"value":"Shared Cost (SHA): You pay ING’s fee. The recipient pays any fees charged by their bank.
* The European Economic Area currently includes: Belgium, Bulgaria, Cyprus, Denmark, Germany, Estonia, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Czech Republic, United Kingdom and Sweden.
"}},{"componentType":"linkList","iconTitle":{"title":"Heb je vragen?"},"textLinks":[{"url":"/en/personal/payments/payments-abroad/payments-explained-per-country-united-states","text":"Where can I find info about a routing number?"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/payments/payments-abroad/processing-time-foreign-payments","text":"Processing time foreign payments"},{"url":"/en/personal/payments/payments-abroad/countries-eurozone-european-economic-area-and-sepa","text":"Eurozone/EEA/SEPA countries"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}