ING International Transfers: What ING Says You Can (and Can't) Do

What ING says about sending money overseas

ING's own customer help article on SWIFT Codes and Bank Identification Codes (BICs), published 1 August 2025 and unchanged when checked in September 2026, states it in plain terms: "Please note, you're unable to send funds internationally directly from your ING account. If you wish to transfer money overseas, you'll need to use a third-party service."

This sits in the middle of an article explaining how SWIFT codes work in general — ING still uses the concept to explain what a sender or recipient needs to know, but is explicit that its own accounts aren't the channel for sending the payment.

What an ING customer can still do

Since ING doesn't offer outward international transfers from a personal account, there's no ING fee, exchange-rate margin, daily limit or cut-off time to describe for sending — none of those exist for a service ING doesn't provide. If you need to send money overseas and your account is with ING, the practical options are moving the money to an account with a bank that does offer outward international transfers, or using a dedicated money-transfer provider directly.

ING's help centre is the place to check if this position has changed for your specific account type, since ING's answer is published as general guidance rather than tied to a particular product.

Receiving money into an ING account

Unlike sending, ING does support receiving an international transfer. ING's own article gives the details needed: "If you're receiving money into your ING account from overseas, you'll need to provide: the ING SWIFT Code: INGBAU2S, the ING BSB number: 923-100, your ING account number."

ING adds an important condition: "if you are receiving money into your ING account, it needs to be in AUD to ensure it is processed correctly and without additional conversion fees." In other words, ask whoever is sending you money to send it already converted into Australian dollars, rather than in their own currency — sending in a foreign currency risks additional conversion charges or processing problems on ING's own account of it.

ING's SWIFT/BIC code

ING's own article confirms the code directly: "ING's SWIFT Code or Bank Identification Code is INGBAU2S." It also explains what the code means, in case it comes up when you're giving your details to someone overseas: "INGB is our bank code. AU is our country code... 2 is our location code, identifying where our head office is. S is our branch code."

When a specialist provider works differently

Because ING doesn't offer an outward international transfer at all, a specialist FX provider isn't just a cheaper alternative here — it's the actual channel you use to send the payment, in the same way as if you were an unbanked sender starting from scratch. OFX, for example, runs its whole transfer process online, publishes a stated minimum transfer of AU$250 and a flat AU$15 fee on transfers under AU$10,000, and supports more than 170 countries — a genuinely separate service ING itself points customers toward using.

Can I send an international transfer from ING?

No. ING's own help article states you're unable to send funds internationally directly from an ING account, and that you'll need to use a third-party service to transfer money overseas.

What's ING's SWIFT/BIC code?

INGBAU2S, confirmed on ING's own site. ING's BSB for receiving international payments is 923-100.

What details do I give someone sending me money from overseas into my ING account?

ING's SWIFT code (INGBAU2S), ING's BSB (923-100), and your ING account number. ING also asks that the payment be sent in AUD to avoid processing issues or extra conversion charges.

Can an ING account receive money in a foreign currency?

ING's own guidance is that an incoming international payment needs to be in AUD to be processed correctly and without additional conversion fees — it doesn't describe accepting a foreign-currency deposit directly.

Why doesn't ING have an international transfer page like other banks?

Because ING doesn't offer the service — its site addresses the question inside a general SWIFT-code help article rather than a dedicated 'send money overseas' page, since there's no ING product to describe for sending.