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To overview

Physical pooling

Optimise cash flow and enhance liquidity management beyond cross-border and local subsidiary accounts by consolidating cash balances into a central location. ING’s physical pooling allows you to sweep physical funds from individual subsidiary accounts into a header control account, concentrating cash funds in one location for improved oversight, control, and cash flow availability.

Enhance cash flow efficiencies with centralised visibility across all subsidiary accounts

Improve liquidity management with a variety of pooling solutions across domestic and cross-border accounts

Optimise interest calculations and working capital across the net balance of pooled funds

Customised & flexible liquidity solutions

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  • Domestic cash pooling

    Manage local cash flows within a single domestic market, pooling funds into one header account. Retain the benefits of localised accounts, while achieving centralised cash concentration and interest optimisation with a fully automated, zero or target balancing solution.

    Learn how to manage local cash flows

  • Cross border cash pooling

    Maintain full visibility and oversight of cash flow within cross-border subsidiary accounts, sweeping funds into one centralised location with single currency cash pooling. Choose zero or target balancing transfers to customise control over organisational cash flow.

    Discover how to gain full cash flow visibility of your subsidiaries abroad

    • Unlock the benefits of physical pooling

  • Single central place

    Retain the overview of your subsidiary account balances in one central location. 

  • Optimal interest

    Optimise interest by consolidating cash flow from participating subsidiary accounts, pooling funds into one header account. 

  • Improved liquidity management

    Enhance liquidity management by funding debts and excess cash across accounts to facilitate intercompany lending. 

  • Enhanced cost-efficiency

    Benefit from greater cost-efficiency, with zero charges on cash-balancing transfers within the ING network.

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    Optimise cash flow locally and cross-border with centralised pooling

    Better control over subsidiary account cash flow

    Select automatic zero or target cash balancing sweeps for greater control of subsidiary account cash flow.

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  • Enable credit and debt consolidation

    Facilitate credit and debt consolidation across accounts with intercompany lending and capital fund availability.

  • One focused pooling solution

    Maintain local operations of all subsidiary accounts, with access to one centralised pooling solution.

  • Access to diverse currencies

    Access single currency and cross border cash balancing in various currencies, i.e. EUR, GBP, CHF, and USD.

  • Tailored cash flow management

    Customise cash flow management with intra-day and/or end-of-day sweeping, and multi-layer structures.

  • Entry to a larger market

    Access a wider market with availability in 18 countries in Europe and various currencies.

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    Working with ING for tailor-made physical pooling solutions

    ING offers customised cash and liquidity management solutions to suit your organisational needs. We currently serve corporate clients and financial institutions in over 40 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 our notional 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