ING Bank N.v., London Branch SWIFT/BIC code

SWIFT/BIC code of ING Bank N.v., London Branch

INGBGB22 and INGBGB22XXX are the short and the long form of the same SWIFT/BIC code, and both point to ING Bank N.v., London Branch in London. Every bank on the SWIFT network uses these codes to route international transfers to 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., London Branch customers.

We wrote this page to help people who pays into an account at ING Bank N.v., London Branch and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

Paying into ING Bank N.v., London Branch in GBP

United Kingdom pays in the British Pound, code GBP. A payment in a foreign currency is converted into GBP on its way to ING Bank N.v., London Branch. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who converts the money matters, because each party uses its own rate. In many cases it is cheaper to send GBP straight away through a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

The rate for GBP fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, even small gap in the rate can be worth more than the fee.

When will the money arrive at ING Bank N.v., London Branch?

How quickly a transfer arrives at ING Bank N.v., London Branch depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent late in the day or just before weekends and holidays usually start the next business day. Occasionally a bank wants to know what the payment is for.

If the money seems late, ask the sending bank about the tracking status; with that reference banks can see where the payment is. Keep the payment confirmation until the recipient confirms.

If the money does not arrive after a few business days, the person who paid needs to contact their own bank. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

Protect yourself against fake payment requests

One of the most common tricks works like this: an email arrives with a request saying that a contact has new bank details. A valid SWIFT code tells you nothing about whether the request is genuine.

Always verify changed bank details by phone, using a number you already had. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from without delay and have them try to recall the payment and report the fraud.

Scams can also work the other way. Someone claims to have sent more than agreed and wants you to refund the extra. Do not act before the money is actually in your account and check with ING Bank N.v., London Branch if anything seems off.

Head office or branch code at ING Bank N.v., London Branch?

Our directory lists 3 SWIFT/BIC codes for ING Bank N.v., London Branch in 1 places. Next to the head office code INGBGB22XXX, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use INGBGB22XXX or its short form INGBGB22. A branch code only makes sense when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and specialised services.

The safest route is to copy the code straight from the account holder’s bank details. Codes for branches are more likely to be retired than the head office code.

How to check INGBGB22 before you pay

The most reliable place for the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. Check it with INGBGB22 here; if they differ, ask before you pay.

Errors in the SWIFT code tend to be costly more than fatal: often the payment comes back, minus fees. An error in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

A validity check by your bank only confirms that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the name against the account – do not ignore a mismatch warning. A small test payment can be a sensible step for large sums, even if it costs an extra fee.

Paying someone abroad from your ING Bank N.v., London Branch account

When you transfer money abroad from ING Bank N.v., London Branch, the visible fee is rarely all of what you pay. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate: many banks convert at a rate that includes a margin. A simple test: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For many routes, a specialist provider is cheaper than a bank. GoldexPay compares transfer providers next to each other, showing what actually arrives. Using a transfer service does not mean leaving ING Bank N.v., London Branch.

What to give a sender who pays you at ING Bank N.v., London Branch

When you are waiting for money from abroad, send the payer everything they need in one go. That means: your name as registered with ING Bank N.v., London Branch, your IBAN or account number, the SWIFT/BIC code INGBGB22XXX (or INGBGB22) and sometimes your address.

The sender’s bank might also ask for the bank address of ING Bank N.v., London Branch; the head office in London is usually fine. Double-check each detail before you send them.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. On invoices, you can state who bears the costs.

A note on our data

This directory is based on publicly available sources and we update it periodically. Institutions reorganise, change names and retire codes. Counts and locations come from our directory and are not confirmed by ING Bank N.v., London Branch.

For a payment of any size, always check the BIC with the recipient’s bank or with the recipient. We are a comparison service for money transfers and not part of ING Bank N.v., London Branch. If you notice a mistake, we welcome a message via the contact page.

Why ING Bank N.v., London Branch has an 8- and an 11-character code

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. That gives you INGBGB22 for ING Bank N.v., London Branch.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office, so INGBGB22XXX and INGBGB22 are interchangeable.

In practice the code is written in capitals. A single character may route a payment to a different institution.

Euro transfers to ING Bank N.v., London Branch: is a BIC needed?

Because United Kingdom is part of SEPA, a euro payment into ING Bank N.v., London Branch from within the SEPA area normally only needs an IBAN. Many banks no longer ask for the BIC in that case or fill it in for you.

You will still need INGBGB22XXX when sending payments in other currencies or transfers from countries outside SEPA. Some forms also ask for the BIC; if so, enter INGBGB22.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, a SEPA transfer is inexpensive; it is the conversion that costs money.