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To overview

European cash pooling solutions

Regain complete visibility, access, and control over organisational cash flow across entities, geographies, and currencies with ING’s European cash pooling solutions. Whether you operate in a single, domestic market or multiple areas in Europe, our solutions are designed to suit you and your business.

Enhance cash flow visibility, control, and management with fund consolidation solutions

Choose a customised consolidated solution built for your business and organisational structure

Access a European network of cash pool banking solutions available in 18 European countries

Centrally optimise the cash balances of all your subsidiaries

Physical pooling

With our physical pooling, you can consolidate physical funds from individual subsidiary accounts into a header control account, concentrating cash in one location for improved oversight, control, and cash flow availability.

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  • Notional pooling

    Using notional pooling, you can notionally combine cash flow using balance and interest set-off across subsidiary accounts to optimise interest without commingling funds. Maintain account autonomy and integrity, while allowing each subsidiary account to benefit from a single, centralised liquidity position. 

    Discover more about notional pooling

  • Virtual cash management

    Virtual cash management gives you the ability to maintain one real-time cash position of all your local and international subsidiaries in one place to avoid idle cash and improve fund visibility, access, and reconciliation across multiple markets and locations.

    Find out more about virtual cash management

    • Consolidated and streamlined cash flow

    Maximise cash flow control and management

    Optimise cash flow management and control with advanced pooling solutions. Centralise funds across your entire organisation, whether you operate in a single domestic market or across international borders.

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  • Adeptly allocate funds to subsidiary accounts

    Mitigate currency exposure, counterparty, and regulatory risks by enabling efficient allocation of funds to subsidiary accounts from a centralised location. Reduce idle cash, optimise liquidity, and enhance fund visibility, while maintaining compliance with local and international restrictions.

  • Simplify cash management and automate procedures

    Streamline cash management and automate processes by automatically pooling funds from subsidiary accounts to a single consolidated location on a real-time, intraday, or end-of-day basis. Take advantage of enhanced earned interest and available capital to add greater efficiencies and investment opportunities to your organisational cash flow.

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    What can we do for you

    ING offers customised cash and liquidity management solutions to suit your organisational needs. We currently serve corporate clients and financial institutions in over 35 countries, pairing local and global insight with sector knowledge and financial expertise to provide greater cash flow control, visibility, and efficiencies for our customers.

     

    Contact your ING representative to know more about our offering.

    Explore global pooling solutions

    Why partner with us

    Our purpose is to empower people to stay a step ahead in life and in business. So whatever your financial needs, whether you are looking to expand and want strategic advice, or just want to make your day-to-day banking more efficient, we are here to support your business ambitions.

    • Serving corporate clients and financial institutions in over 35 countries.
    • We pair local and global insight with sector knowledge with financial expertise.
    • We are ranked as a leader in sustainability and we are included in the FTSE4Good Index.
    • Euromoney

      Best bank for sustainable finance in Central & Eastern Europe

      2024
    • The Digital Banker

      Highly acclaimed best wholesale bank for sustainable finance in Europe

      2024
    • Global Finance

      Best bank for cash management in Central & Eastern Europe and Western Europe

      2024