INTERNET BANKING I-B@NK

• Reduced commissions compared to those applied at the bank's counter
• You can check the balance, account statement and details of the products held;
• Enjoy Instant Payments Service 
• You can see the foreign exchange rates and make foreign exchange. Have you heard of Brunch Exchange?
• You set transactional limits for your cards
• Inter and intrabanking payments in Lei and foreign currency
• Payments in Lei to beneficiaries with accounts opened at foreign banks
• Utility payments
• Open / close term deposits
• Open an accumulation plan
• Open a current account in a currency for which you do not have a current account
• Standing Order

Online foreign exchange at BNR exchange rate - additional benefit offered to the clients who hold START, PLUS, PREMIUM Transaction Offers

The online currency exchange service at the BNR exchange rate is a special offer, which benefits the clients who are natural persons, holders of the START, PLUS, PREMIUM Transaction Offers, who have contracted Digital Banking (Mobile and Internet Banking) or Internet Banking I-B@nk (activated until 26.06.2023). The service is an additional benefit and is not part of the START, PLUS, PREMIUM Transactional Offer structure.

Main features of the Service:

• Foreign exchange between LEI and EUR currencies (LEI-EUR, EUR-LEI), between own current accounts opened with the Bank, carried out via Digital Banking (Mobile and Internet Banking) or Internet Banking I-B@nk (activated until 26.06.2023), included in the framework of START, PLUS, PREMIUM Transaction Offers opened with the Bank, are included.
• The currency exchanges included in the Service take place daily, on banking and non-banking days.
• For foreign exchange included in the Service, the Bank will apply the exchange rate communicated by the NBR each banking day:
  • The exchange rate communicated by the NBR on the previous banking day shall apply until the exchange rate communicated by the NBR after 13:00 on the current banking day is updated in the Bank's systems.
  • The exchange rate communicated by the NBR after 13:00 on the current banking day shall apply until the exchange rate to be communicated by the NBR after 13:00 on the following banking day is updated in the Bank's systems.
• The NBR exchange rate will apply for foreign exchange operations within the following monthly limits:
  • Maximum EUR 1,000 equivalent per month for the START Transaction Offer,
  • Maximum EUR 2,000 equivalent per month for the PLUS Transaction Offer,
  • Maximum EUR 5,000 equivalent per month for the PREMIUM Transaction Offer.
• In the event that the exchange limit at the BNR rate has not been fully used up, but does not cover the full amount that the client wishes to exchange, a weighted average rate will be calculated for the transaction in question, so that the remaining amount of the limit not used up is exchanged at the BNR rate and the rest of the amount at the Bank's standard rate.
• The exchange rate communicated by the NBR on the last working day shall apply to foreign exchange exchanges carried out during the following non-working days, until the exchange rate communicated by the NBR on the next working day after 13:00 is updated in the Bank's systems.
• During the Bank's day/month-end closing operations and other pre-announced interruptions of the Bank's systems, foreign exchange exchanges initiated by customers will remain on hold and will be settled after the end of the respective operations.
• On any banking day, the maximum limit of EUR 5,000 equivalent shall apply to foreign exchange transactions carried out after 15:45 until 9:00 on the following banking day, regardless of whether there are any non-banking calendar days between the two banking days.

Click here to go through all the details of the Online Foreign Exchange Service at BNR exchange rate - additional benefit offered to the clients who hold START, PLUS, PREMIUM Transaction Offers.

Although starting from 16.03.2023, ING Bank N.V. Amsterdam, Bucharest Branch is a participant of the Instant Payments scheme for payments in lei, for technical reasons it does not currently ensure the accessibility and crediting of funds within the time limit of a few seconds for the accounts belonging to customers in the Large Corporate Customers segment (e.g. utility providers, service providers, multinational companies).

NOTE!  If you order a payment to a beneficiary who holds accounts at ING Bank and who is classified as Large Corporate Clients, the payment will be rejected by ING Bank. Please also check if you notice that your payment has been rejected on the Instant Payments settlement circuit, re-initiate the Payment Order to be processed through the regular interbank settlement circuit so that it is not ordered as an Instant Payment.

If you order a payment to a beneficiary who has accounts with ING Bank and who is not included in the category of Large Corporate Clients, the payment will reach its destination in a few seconds.