ING Bank N.V. SWIFT/BIC code

SWIFT/BIC code of ING Bank N.V.

INGBBRSP and INGBBRSPXXX are two ways of writing the same SWIFT/BIC code, and both lead to ING Bank N.V. in Sao Paulo. A BIC has a single purpose: it ensures that a cross-border transfer reaches the right bank. In daily life you usually see it on invoices from abroad, in your banking app and in the bank details of ING Bank N.V. customers.

On this page you will find how the code is put together, when you need it and which other details you need for a transfer to or from ING Bank N.V.. The BIC names a bank or branch, never a specific account.

Before you send: check the ING Bank N.V. code

The most reliable place for the right code is paperwork issued by the bank, such as a statement or the account details in online banking. Check that code against INGBBRSP here.

An incorrect BIC may lead to delays, a returned payment or extra fees along the way. An error in the IBAN or account number can be more serious; check it just as carefully.

Many banking apps check the format of an IBAN. If your bank offers it, a name check before sending adds extra certainty. For a first payment, some people send a small test amount and wait for confirmation.

What to give a sender who pays you at ING Bank N.V.

A sender in another country needs a few details from you, and missing ones are a common cause of delays. What they need is: the account holder’s name, IBAN or account number, INGBBRSPXXX or INGBBRSP and in many cases your postal address.

Certain banks also ask for the address of ING Bank N.V., so keep it at hand. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment does not always arrive in full. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin comes on top. On invoices, you can state who bears the costs to avoid a shortfall.

INGBBRSP or INGBBRSPXXX – which one to use?

The structure of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. For ING Bank N.V., the 8-character core is INGBBRSP.

Most banks and apps accept both lengths. If yours requires eleven characters, enter INGBBRSPXXX, otherwise INGBBRSP is fine.

Do not add spaces, dots when you enter INGBBRSP; the code is always written in one block. A single letter may route a payment to another bank, so copy it carefully.

A note on our data

The directory on GoldexPay is compiled from public sources and we update it periodically. Banks merge, close branches and change codes, and a directory never catches every change immediately. Counts and locations come from our directory and are not confirmed by ING Bank N.V..

Use this page as a starting point, rather than as the final word. GoldexPay is independent of ING Bank N.V.. Should you notice a mistake, we appreciate a message.

ING Bank N.V.: head office code versus branch codes

ING Bank N.V. uses 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the others belong to branches, and sometimes internal departments.

In most cases there is no need to look up a branch: transfers addressed to INGBBRSPXXX reach ING Bank N.V. without problems. Branch codes are only needed if the account holder explicitly mentions it, which is more common for business accounts and specialised services.

The best way is to copy the code directly from the recipient’s invoice. Codes for branches are more prone to be retired than INGBBRSPXXX.

Tracking a transfer to or from ING Bank N.V.

There is no single answer: some arrive within a day while others need several business days. Payments made after the cut-off time or on weekends and holidays often start a business day later. Sometimes a bank asks what the payment is for.

If the money seems delayed, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often show a status online showing how far the payment has got.

If the money does not arrive after a few business days, the sender needs to start with their own bank, not the receiving bank. As a recipient, you can check your statements to see a slightly lower amount.

The Brazilian Real and what conversion costs you

Brazil uses the Brazilian Real, with the currency code BRL. If you send another currency, the amount gets converted at some point. You rarely see a separate line for the conversion; it is built into the rate.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Often you pay less if you send BRL directly through a transfer service with a good rate.

The rate for BRL changes constantly and quotes are often valid only for a short time. For regular payments, small differences in the rate make a real difference over time.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a request saying that a supplier has new bank details and asking you to pay there from now on. The fact that INGBBRSP exists is no guarantee that the account is genuine.

Before paying, confirm a change of bank details by phone, using a number you already had. Urgency and secrecy are warning signs; a genuine business can wait for you to check. Already paid? Contact the bank you paid from straight away and have them try to recall the payment.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account – ask ING Bank N.V. if something looks wrong.

Sending money abroad from ING Bank N.V.

If you send money to another country through ING Bank N.V., the fee you see is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank usually uses a rate below the real market rate.

The markup on the rate tends to be the biggest cost because it is hidden in the rate. Check the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving ING Bank N.V. – you pay the provider from your own account.