ING Bank NV-Dublin Branch SWIFT/BIC code

SWIFT/BIC code of ING Bank NV-Dublin Branch

Whether you are given INGBIE2D or INGBIE2DXXX, it is the identical address for ING Bank NV-Dublin Branch in Ireland. Banks worldwide use these codes to direct international transfers to the correct bank. It comes up mainly when dealing with payments that cross a border or a currency.

Below we go through the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. A SWIFT code identifies an institution, never a single account, which is why you always need the account number too.

Why ING Bank NV-Dublin Branch has an 8- and an 11-character code

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and a two-character location code. For ING Bank NV-Dublin Branch, that core is INGBIE2D.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office, so INGBIE2DXXX and INGBIE2D are interchangeable.

Type the code in one piece, in upper case and without spaces, exactly as shown here. A single letter may route the money to a different institution, so copy it carefully.

Which of the 2 codes of ING Bank NV-Dublin Branch do you need?

Having 2 codes in 1 locations, ING Bank NV-Dublin Branch belongs to the banks that register separate codes for branches. The head office code is INGBIE2DXXX.

Unless the recipient tells you otherwise, use INGBIE2DXXX or its short form INGBIE2D. If you have been given a branch code, stick to it instead of replacing it with the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to change than the head office code.

How long does an international transfer to ING Bank NV-Dublin Branch take?

There is no fixed answer: some arrive within a day. Payments made late in the day or just before weekends and holidays usually start a business day later. Compliance checks by one of the banks may also cause some delay, even when all details are correct.

When a payment takes longer than expected, contact your bank about the status and the transaction reference. Specialist transfer services usually provide a status in their app showing where the money has got.

A delayed transfer is investigated from the sending side on the basis of the transfer details. As a recipient, it helps to check your account to see a slightly lower amount because fees can reduce the amount.

The Euro and what conversion costs you

The national currency in Ireland is the Euro (EUR). When you pay another currency, the amount gets converted at some point: by your bank, an intermediary or ING Bank NV-Dublin Branch itself. Every conversion costs the amount.

Who converts the money makes a difference, because each party uses its own rate. Check what EUR the recipient gets with several providers.

Exchange rates move during the day – some services let you fix a rate in advance. On larger amounts, even small difference in the rate adds up quickly.

What to give a sender who pays you at ING Bank NV-Dublin Branch

Someone abroad who wants to pay you will ask for several details from you – incomplete details often cause delays. That means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code INGBIE2DXXX (or INGBIE2D) and sometimes your postal address.

You can add the bank name and Dublin too, because some payment forms have separate fields for them. A typo in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive can be lower than what was sent. Charges on incoming payments vary from bank to bank. On invoices, you can state who bears the costs.

Sending money abroad from ING Bank NV-Dublin Branch

The price of a payment abroad is made up of more than one component – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted, the bank often applies a rate that is less favourable than the real market rate.

Many banks rarely list the margin on the rate as a cost, but you pay it all the same. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of routes, a specialist provider is less expensive than a bank – mostly thanks to the rate. Before your next transfer, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean closing your account at ING Bank NV-Dublin Branch: you simply pay the service from your account.

Scams that use SWIFT codes

Scammers regularly send fake invoices with new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about whether the request is genuine.

Verify new payment details through a different channel, not by replying to the message. Pressure and requests to keep it quiet tend to be warning signs. When a payment has already gone to a fraudster, call your bank right away.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference abroad. A payment confirmation from the sender is no proof – check your own account.

Paying ING Bank NV-Dublin Branch in euros within SEPA

Ireland is a member of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

You will still need INGBIE2DXXX for non-euro payments or money from outside the SEPA area. A few forms still show a field for the BIC; in that case, enter INGBIE2D.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Charges on SEPA payments tend to be low.

Before you send: check the ING Bank NV-Dublin Branch code

The safest source for the BIC is the recipient’s own bank details. Check that code with INGBIE2D here; if they differ, ask before you pay.

Mistakes in the SWIFT code tend to be annoying more than fatal. An error in the account number can be a bigger problem because it can reach the wrong person.

An automatic check in your banking app only tells you that the code is valid – not that it belongs to the person you mean to pay. More and more banks check the payee name with the account – do not ignore a mismatch warning. A small test payment is a sensible step for a large first payment despite the extra fee.

How up to date is this code?

The details here are taken from publicly available data which we refresh regularly. Even so, banks merge, rename themselves or change codes, so information can be out of date. The number of codes we show are based on our own data.

Use our data as a reference, rather than as the final word. GoldexPay has no connection to ING Bank NV-Dublin Branch. Spotted outdated information? Tell us via our contact form.