{"type":"document","data":{"id":"dbeb7482-b1e4-4307-a799-789cbd3d28e1","localeString":"en-GB","publishDate":"2026-03-24T15:38:50.777+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Sending money to the United States? Get the information you need for payments to the United States."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Sending money to the United States? Find out how that works.","title":"United States (USA)"},"backLink":{"textLink":{"url":"/en/personal/payments/payments-abroad","text":"Paying abroad"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How it works"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Log in to My ING and go to the transfer screen.</li><li>Select the country and currency for your money transfer.</li><li>After entering the amount and the fee option, you&apos;ll get an instant indication of the price and exchange rate.</li></ul>"}},{"componentType":"sectionTitle","title":"IBAN, Fedwire and BIC"},{"componentType":"paragraph","richBody":{"value":"<p>In the United States, there is no standard account number format and no IBAN. The account number can be found on your invoice.</p><p><strong>Payments in USD</strong></p><ul><li><p>The USA uses a national nine-digit bank code for funds transfer: Fedwire (FW), also known as a routing number or ABA.</p></li><li><p>This national bank code is required for payments to the United States in USD.</p></li><li><p>For payments in USD, the BIC field is optional but recommended.</p></li><li><p>For payments in currencies other than USD, only a BIC is needed.</p></li><li><p>Please note: you cannot make payments in currencies other than USD (e.g. EUR) to banks in the USA that do not have a BIC. Banks in the USA that do not have a BIC cannot receive currencies other than USD, which means you could face high foreign exchange fees.</p></li></ul>"}},{"componentType":"sectionTitle","title":"Processing time"},{"componentType":"paragraph","richBody":{"value":"<p>You can see how long it will take <a href=\"https://www.ing.nl/particulier/betalen/buitenland/buitenland-betaling/verwerkingsduur-buitenlandse-betalingen.html\">on this page</a>.</p>"}},{"componentType":"sectionTitle","title":"Fees"},{"componentType":"paragraph","richBody":{"value":"<ul><li><p>If you choose the OUR fee option, no* fees will be deducted from the amount by the correspondent banks that process the payment or by the beneficiary bank that receives the amount.</p></li><li><p>ING will charge an OUR fee for this. You can find the OUR-fee <a href=\"https://www.ing.nl/en/personal/payments/payments-abroad/our-surcharge-rates-per-country\">through this link</a>.</p></li><li><p>If you transfer more than $1,000 and choose the BEN or SHA fee option, keep in mind that an extra $20 will be charged by the correspondent banks. This $20 fee will be deducted from the amount that the beneficiary receives.</p></li></ul><p>*Sometimes the beneficiary bank will charge a fee even if you choose the OUR fee option. In the United States, this is called an incoming wire fee. Whether or not that fee is charged is beyond ING&apos;s control, but we do have control over the amount that the beneficiary bank receives. If you choose the OUR fee option, this will always be the full amount sent. If the beneficiary says that they have not received the full amount, they should ask their bank why there was an additional charge.</p>"}},{"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"}]}]}}}