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Wholesale Banking
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SEPA credit transfer

Experience convenience and security with ING's SEPA credit transfer solution. You can effortlessly send funds between banks within the Single Euro Payments Area (SEPA) at affordable and transparent pricing. Perfect for one-off payments, these transfers typically clear within just one working day.

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Minimise transaction fees and eliminate exchange costs within the eurozone, reducing overall banking costs

Processed much faster than traditional cross-border payments, often with same-day processing

Robust security measures of SEPA ensure safe and reliable transactions

How can SEPA credit transfers benefit your company?

  • Simplicity

    Streamline domestic and European bank transfers into a single system, simplifying the payment process.

  • Flexibility

    Support both single and bulk payments, making them suitable for various business needs, such as salary payments or supplier invoices.

  • Transparency

    Increase transparency, making it easier for businesses to track and manage their financial transactions.

  • How does ING support SEPA credit transfers?

    Initiation countries

    ING provides SEPA credit transfer initiation in 19 SEPA countries, including the Netherlands, Belgium, France, Spain, and Germany.

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  • Standardised format

    You can use a limited number of accounts and a standardised format for credit transfers across the SEPA area.

  • Processing time

    ING will process your payment within one business days and typically the payment will reach the beneficiary on the same day or the following business day.

  • Payment references

    SEPA credit transfers allow for various payment references, improving reconciliation in business administration.

  • Are you interested in using SEPA credit transfer for your company? 

    Contact your ING representative to know more about our full suite of payment solutions. 

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    What is SEPA?

    SEPA provides conditions for enhanced competition in the provision of payment services to the benefit of both organisations and individuals.

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    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