What is the official website of the payment service?
The official website for ING payment services relevant to Finland and Europe is https://www.ing.nl/en/personal/payments
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Where can I find the customer support contacts?
Customer support contact details can be found on the ING country-specific websites and the "Contact" or "Support" section at the bottom or header of the official ING website.
What is the hotline phone number?
The main phone numbers vary per country; for business support examples, numbers like +31 (0) 10 300 93 40 (Netherlands) are used. Finland-specific direct hotline numbers are not explicitly listed; typically, country websites provide local numbers.
Is there a toll-free support number?
Toll-free numbers are available in some ING regions but may vary; no specific toll-free number for ING Finland was found. Toll-free support is common in financial institutions for retail clients.
What is the email address for technical support?
For Wholesale Banking, an example is [email protected]. No specific public technical support email for retail customers in Finland was found.
Are there separate emails for different types of inquiries?
Yes, ING has specialized emails for different services such as [email protected] for Asia, [email protected] for bank guarantees, and [email protected] for fraud operations.
Where can I find the online chat support?
Online chat support is often accessible via the ING mobile app or ING country websites login areas where digital assistants or chatbots provide help.
Does the chat support work 24/7?
The ING digital assistant in the app provides 24/7 support, while human advisors are generally available during business hours.
Is there support through messengers (Telegram, WhatsApp)?
No verified information about support through Telegram or WhatsApp for ING Finland is available; typically, messenger support is not standard for regulated banks.
What are the support working hours?
Support working hours for business clients are typically Monday to Friday, 08:00 to 17:00 CET; retail client hours vary by country but mostly follow typical banking hours.
Does support work on weekends and holidays?
Retail support through digital channels may be available 24/7, but human support generally does not operate on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, ING has physical branches in Finland and other countries, though branch numbers are smaller compared to large traditional banks.
Where are the physical offices located?
Specific office locations for ING Finland can be found on ING Finland’s local website or branch locator tools on the ING homepage.
Can I schedule a personal meeting?
Customers can usually schedule appointments via ING local bank branches or through their online banking platform.
Are there representatives in different countries?
ING operates internationally with offices and representatives in over 40 countries, mostly in Europe but also globally.
In which languages is support available?
Support is typically offered in Finnish, Swedish, and English in Finland, with other languages available depending on the country.
How quickly does support respond to requests?
Response times for chats and emails range from minutes to a few hours; phone responses may take longer during peak times.
Is there a priority system for VIP clients?
Yes, ING provides priority customer service and dedicated support for VIP and premium clients.
Can I request a callback?
Callback options are commonly available for banking customers, either via phone or online banking request forms.
When was the payment service founded?
ING Group was founded in 1991 from the merger of Nationale-Nederlanden and NMB Postbank Group.
Who is the founder and owner of the service?
ING Group was formed by Dutch financial institutions Nationale-Nederlanden and NMB Postbank Group; it is publicly owned by shareholders.
In which country is the company registered?
The ING Group is registered in the Netherlands.
What is the development history of the payment service?
ING evolved from a Dutch banking and insurance group, expanding through European markets and growing payment and financial services internationally since 1991.
Have there been major updates or rebranding?
ING has undergone several updates and rebranding exercises, notably around 2013 when it focused on core banking and retail services.
Who sits on the company's board of directors?
ING’s board includes a mix of executive and non-executive directors; detailed current members are listed on ING Group’s official website.
Are there investors or partners in the service?
ING is publicly traded with diverse institutional and retail investors; strategic partnerships include collaborations with fintechs like TransferMate for cross-border payments.
Does the company participate in stock trading?
Yes, ING Group is publicly listed on Euronext Amsterdam.
What is the company's market capitalization?
As of late 2024, ING Group’s market cap is typically tens of billions of euros, fluctuating with market conditions.
Are there subsidiary companies or branches?
ING has subsidiaries and branches across Europe and worldwide, including ING Bank Finland.
What licenses does the payment service have?
ING holds banking licenses and payment services licenses regulated by authorities, including the Dutch Central Bank and European regulators for its European operations.
In which jurisdictions does the service operate officially?
ING operates officially in many European countries including Finland, and internationally across multiple continents.
Are there licenses for cryptocurrency operations?
No verified information suggests ING Finland holds specific cryptocurrency operation licenses.
Does the service comply with AML/KYC requirements?
ING fully complies with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations per EU and local laws.
Are there security certificates (PCI DSS, etc.)?
ING complies with PCI DSS standards for payment security and other international security certifications.
Has the service undergone security audits?
Yes, ING undergoes regular security audits as part of regulatory and internal governance.
Is there insurance for client funds?
Deposits held at ING Finland are protected under the Finnish deposit guarantee scheme, covering up to 100,000 euros per depositor.
Which international standards does it comply with?
ING complies with GDPR, PSD2, PCI DSS, and various EU banking and security standards.
Have there been any regulatory fines or violations?
There is no widely published recent major regulatory fine specific to ING Finland.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, Google Play Store, Apple App Store, and finance-focused forums.
What are the main user complaints?
Common complaints include customer service delays, technical glitches in the app, and limited physical branch availability.
What do users most often praise the service for?
Users praise ING for convenient digital banking, user-friendly apps, and strong security.
Are there issues with fund withdrawals?
No widespread systemic withdrawal issues have been reported, but occasional delays during peak times may occur.
Is the interface convenient according to users?
The web and mobile interfaces are generally rated as modern and easy to navigate.
Are clients satisfied with transaction speed?
Transactions, especially local and SEPA payments, are considered fast and reliable.
Do users recommend this service?
Many users recommend ING for digital banking convenience, though some caution about customer service.
How do experts assess the service's reliability?
Experts view ING as a solid, reliable bank with robust regulatory compliance.
Are there industry awards and recognitions?
ING has received various industry awards for innovation, customer experience, and sustainability efforts.
Does the service participate in payment system rankings?
ING participates in industry rankings and benchmarking related to European banking and payments.
Are there recommendations from financial regulators?
ING is a regulated entity with no public warnings from financial regulators.
What reputation does the service have among partners?
ING is regarded as a trusted partner in financial and payment services.
How do they evaluate solution innovation?
ING is recognized for investing in fintech collaborations and digital payment innovations.
Are there quality service certificates?
ING holds ISO and other quality certifications typical of large banks.
Does the company participate in industry conferences?
ING representatives frequently participate in fintech and banking conferences across Europe.
How does the service position itself in the market?
ING positions itself as a digital-first, customer-centric European bank with innovative financial services.
Which fiat currencies does the service support?
ING Finland primarily supports EUR, with supporting capabilities for major global fiat currencies for cross-border payments.
Are cryptocurrencies supported? Which ones specifically?
Direct cryptocurrency services are not marketed; ING does not provide crypto wallets or trading directly.
Is there a proprietary cryptocurrency or token?
ING does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is supported for international payments, especially in business and wholesale banking.
What exchange rates are used for conversion?
Exchange rates are typically based on market rates with a markup or margin applied by ING.
How often are exchange rates updated?
Exchange rates are updated several times daily according to market conditions.
Are stablecoins supported?
No stablecoin support is offered within ING’s services.
Can exotic currencies be handled?
Exotic currencies handling depends on the correspondent banking relationships; not guaranteed for all exotic currencies.
Are there currency restrictions in different countries?
Currency and transaction restrictions comply with international sanctions and local regulations.
What types of transfers does the service support?
ING supports SEPA, SWIFT, local clearing, domestic bank transfers, and card payments.
Can transfers be made between service users?
Peer-to-peer transfers within ING accounts are supported via online banking and mobile apps.
Are transfers to bank cards supported?
Transfers directly to bank cards are limited; typically, payments go to bank accounts.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and internationally are supported.
Is bill payment available?
Bill payment services are offered digitally, including utility, mobile, and other common bills.
Are recurring payments supported?
Recurring payment setups are supported through standing orders and direct debits.
Can automatic transfers be set up?
Automatic and scheduled transfers can be configured via online banking.
Is payment scheduling available?
Payment scheduling features are available for future-dated transactions.
Are group payments supported?
Group payments or splitting features are generally limited; users rely on peer-to-peer transfers.
Can payment links be created?
No specific verified information on payment link creation by ING Finland.
What are the minimum transaction amounts in the service?
Minimum transaction limits depend on payment type but are generally low or none for typical retail transfers.
What are the maximum amounts that can be transferred?
Maximum amounts depend on account type and verification, often with multi-thousand-euro daily limits.
Are there daily limits on operations?
Daily transaction limits are set per account and user verification level.
What monthly and annual limits are in effect?
Monthly and annual limits vary by account type and internal risk policies.
Can limits be increased? How?
Limits can be increased by request, usually requiring verification or business justification.
Do limits differ for verified users?
Verified users enjoy higher transaction limits than unverified or basic users.
Are there restrictions for new accounts?
New accounts often have stricter limits until verification is completed.
Do special limits apply in different countries?
Limits may vary by jurisdiction due to regulatory and risk management factors.
Can operations be temporarily blocked?
Operations can be temporarily blocked for security concerns or regulatory reasons.
Are there limits on the number of daily operations?
Limits on daily operation counts depend on account risk profiles and policies.
What are the minimum amounts for account funding?
Minimum deposit amounts depend on funding method; often there is no minimum for SEPA transfers.
What methods of funding are supported?
Funding methods include bank transfers, debit cards, and occasionally cash deposits in branches.
Are there fees for funding?
Many funding methods are free; fees apply for some card or international transfers.
What are the minimum funding amounts?
Minimum funding thresholds generally are low or none for basic transfers.
How quickly are funds credited when funding?
SEPA transfers credit within 1 business day; card payments are faster, often instant or within hours.
How can money be withdrawn from the system?
Withdrawals can be made to bank accounts, debit cards, or via ATM cash withdrawals.
Are there fees for fund withdrawal?
Fees may apply to card or international withdrawals, often waived for domestic bank transfers.
How long does withdrawal take?
Domestic bank transfer withdrawals typically take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits depend on account and verification status.
How quickly are funds credited when funding with a card?
Card funding is usually instant or a few hours.
How long does a bank transfer take?
Standard bank transfers within SEPA take up to one business day.
How quickly do cryptocurrency transfers arrive?
No direct cryptocurrency transfer services available.
Are transfers between users instant?
Internal transfers within ING are usually instant or near-instant.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day for SEPA transfers.
Do holidays affect funding speed?
Bank holidays delay transfer processing times.
Can crediting be accelerated for a fee?
Express payment options may be available for certain payment types with additional fees.
What determines the speed of funding processing?
Factors include payment type, time of day, bank cut-offs, and regulatory compliance.
Are there notifications about funding status?
Customers receive notifications about funding status via app, SMS, or email.
What to do if funding takes too long?
Contact customer support and provide transaction details for investigation.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within 1-2 business days.
How long does card withdrawal take?
Card-based withdrawals at ATMs are instantaneous.
How quickly do bank transfers arrive?
Bank transfers usually arrive within 1 business day in SEPA.
Are cryptocurrency withdrawals instant?
Not applicable; ING does not support crypto withdrawals.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Holidays delay processing similar to weekends.
Can withdrawal be accelerated for an additional fee?
Expedited withdrawals may be possible with fees, depending on service.
What determines withdrawal processing time?
Banking hours, payment network rules, and verification cycles.
Are there notifications about withdrawal status?
Withdrawal status updates are provided via online banking and email notifications.
Can a withdrawal request be canceled?
Withdrawals can sometimes be canceled if not yet processed; timeframe varies.
How to register with the payment service?
Registration is done online or in branch, requiring personal data and identity verification.
What data is needed to create an account?
Typical data includes name, address, date of birth, national ID, and contact details.
Can registration be done without email?
Most banks require an email; phone number verification is also common.
Is phone confirmation required during registration?
Phone number confirmation is typically required for security.
Are there age restrictions for registration?
Minimum age is generally 18, sometimes 16 with parental consent.
Can a corporate account be created?
Business accounts are available, with additional documentation and verification.
Is it required to provide real data?
Yes, banks require accurate, verifiable information for compliance.
Are there country restrictions for registration?
ING only accepts customers from countries within their licensed operating jurisdictions.
How long does account activation take?
Activation after verification typically takes 1-3 business days.
What verification levels exist?
Tiered verification based on documentation and use-case (basic, enhanced).
What documents are required for basic verification?
ID card or passport, proof of address.
Are documents needed for full verification?
Full verification may require proof of income, tax documents.
Are digital copies of documents accepted?
Yes, digital submissions are commonly accepted.
How long does the verification procedure take?
Verification typically completes within 1-3 days.
Can the service be used without verification?
Limited use is possible, but full access requires verification.
What restrictions apply to unverified users?
Unverified users face lower limits and cannot access all services.
Is address confirmation required?
Yes, verification of address is mandatory.
Is a selfie with documents required?
Some services require a selfie with ID for identity proof.
How often do documents need to be updated?
Documents are updated every few years or upon changes.
What encryption technologies does the service use?
ING uses strong encryption like TLS and other industry standards.
Is two-factor authentication supported?
2FA is supported and commonly used for login and transactions.
Are there SMS confirmations for operations?
SMS verification is used for transaction confirmations.
Is biometric authentication supported?
Mobile app supports fingerprint and facial recognition.
Is blockchain technology used?
No broad blockchain use is confirmed for core banking.
Is there a multi-level security system?
Yes, multiple layers of security protect accounts and transactions.
How is user personal data protected?
User data is protected by GDPR-compliant privacy policies and security protocols.
Is cold storage used for cryptocurrencies?
Not applicable as ING does not offer crypto custody.
Is there DDoS attack protection?
Yes, robust DDoS mitigation measures protect service availability.
Are regular security audits conducted?
ING regularly undergoes comprehensive security audits.
What anti-phishing protection measures are provided?
ING provides education, monitoring, and alerts about phishing risks.
Is there a suspicious activity detection system?
Fraud and anomaly detection systems monitor transactions 24/7.
How does the service combat money laundering?
Through AML compliance, monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts with suspicious activity may be blocked pending investigation.
What to do when fraud is detected?
Contact ING immediately through official support channels.
How to report suspicious activity?
Report via hotline, email, or online banking secure messaging.
Is there compensation for damage from fraudsters?
Compensation policies exist based on investigation results and banking regulations.
What user rights exist for disputed transactions?
Users can file complaints and dispute transactions under EU rights.
How to dispute account blocking?
Contact customer service with documentation to initiate dispute process.
Is there insurance against cyber attacks?
ING has insurance policies covering cyber risks.
What fees does the service charge for transfers?
Fees vary by transfer type; SEPA usually free, SWIFT can have fees.
Are there fees for account funding?
Funding fees depend on method; many are free for SEPA transfers.
Are fees charged for fund withdrawal?
Withdrawal fees apply depending on method and account type.
Are there fees for currency conversion?
Currency conversions carry margin fees.
Are there fees for account inactivity?
Some accounts have inactivity fees after prolonged dormancy.
Are there account maintenance fees?
Monthly maintenance fees depend on account type.
Are fees charged for operation cancellation?
Cancellation fees are rare but may apply in some cases.
Are there fees for expedited operations?
Express processing fees may apply for certain transfers.
Are there hidden fees?
Fees are generally transparent and disclosed upfront.
How are fees calculated for large amounts?
Large transactions may have tiered or capped fees.
Are there different tariff plans in the service?
Tiered pricing plans exist for retail and business customers.
What advantages does VIP status provide?
VIP clients receive priority support, higher limits, exclusive products.
How to get preferential conditions?
By meeting balance or transaction volume criteria.
Are there free operations per month?
Free transaction allowances depend on account type.
Are there discounts for active users?
Discounts or fee waivers for high activity may be offered.
Are there corporate tariffs?
Business accounts have customized tariff plans.
Can individual conditions be obtained?
Custom conditions available upon negotiation.
Do promotional codes work for fee reduction?
Promotions occasionally offer fee discounts.
Are there cashback programs?
Certain credit cards provide cashback rewards.
Are there discounts for transaction volumes?
Volume discounts may be offered to businesses.
Is there an official mobile application?
Yes, the ING Banking app is official for Finland.
On which platforms is the application available?
iOS and Android platforms.
What functions are available in the mobile application?
Account management, payments, transfers, notifications, card controls.
Does functionality differ from the web version?
Generally similar, mobile app optimizes for usability.
Is Touch ID/Face ID supported?
Yes, biometric login is supported.
Can the application work offline?
Limited offline functions; most need internet.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
Dark mode availability depends on app version and OS.
How often is the mobile application updated?
Updates occur regularly, every few weeks to months.
Are there beta versions of the application?
Beta versions may be offered in some regions via app stores.
Is the web interface of the service convenient?
The website is user-friendly and responsive.
Is responsive design supported?
Yes, web design adjusts to device screens.
In which languages is the interface available?
Finnish, Swedish, and English common.
Is there a night mode for the website?
Dark mode is often supported.
Are hotkeys supported?
Keyboard shortcuts support is limited.
Can data be exported?
Account statements and transaction data can be exported.
Is there an API for developers?
APIs are available mainly for business clients.
Is integration with other services supported?
Integrations with accounting and ERP software are offered.
How often is the web interface updated?
Regular minor updates and periodic major refreshes occur.
Are there virtual cards in the service?
Some virtual card options exist, depending on product.
Can disposable cards be created?
Disposable card features are not broadly available.
Is multi-currency account functionality supported?
Multi-currency accounts mainly in business banking.
Are there investment products?
ING offers investment and savings products.
Can interest be earned on balance?
Some accounts offer interest on positive balances.
Are there credit products?
Consumer and business credit products are offered.
Is P2P trading supported?
No peer-to-peer trading offered.
Can cryptocurrencies be bought/sold?
No direct crypto trading available.
Is there acquiring for business?
Merchant acquiring is provided for business clients.
Are mass payouts supported?
Mass payment capabilities exist for business users.
Is there a loyalty program in the service?
Loyalty programs are limited, mainly via credit cards.
How are bonus points earned?
Bonus points come from credit card spending.
Is there cashback for operations?
Cashback mainly from credit card programs.
Are there referral programs?
Referral systems may exist occasionally.
What privileges do VIP clients have?
VIP clients enjoy enhanced services and access.
Are there seasonal promotions and offers?
Occasional promotions are run.
Can premium status be obtained?
Premium services available by invitation or qualification.
Are there partner discounts?
Partner offers regularly provided.
Are there corporate loyalty programs?
Business loyalty or incentive programs exist.
Does the service allow operations with online casinos?
Generally, transactions to online casinos are restricted or monitored.
Are there restrictions on gambling transactions?
Gambling transactions are subject to regulatory limits and controls.
Can accounts be blocked for casino play?
Accounts may be blocked for suspicious gambling-related activity.
How does the service view gambling?
As a regulated activity requiring monitoring and compliance.
Are there special conditions for gambling?
Terms and conditions apply specifically to gambling payments.
Are casino transactions tracked?
Yes, gambling transactions are monitored for compliance.
Can operations with gambling sites be hidden?
Transaction transparency is required; hiding is not supported.
Are there notifications about gambling expenses?
No explicit gambling alert features known.
Are there special fees for gambling operations?
Fees depend on payment method, no special charge known.
Can limits be set on gambling?
Behavioral limits may be applied per responsible gambling rules.
Is there a self-exclusion function?
Self-exclusion is possible per responsible gambling regulations.
Can access to gambling sites be restricted?
Banks generally do not restrict access but monitor payments.
Is gambling expense control supported?
Some control tools may be provided via bank cards or apps.
Are there notifications about limit exceedance?
Not standard but alerts for transaction limits occur.
Can operations with casinos be blocked?
Blocking possible if risk or compliance issues arise.
Is there gambling expense statistics?
Not typically provided in banking statements.
Is a "cooling-off period" supported?
Supported through responsible gambling programs if applicable.
Can help be obtained for gambling addiction?
Banks cooperate with gambling addiction support organizations.
Is there partnership with player assistance organizations?
Some financial institutions partner to support problem gamblers.
How to set up gambling expense notifications?
Usually via self-set transaction alerts or spending limits.
Which online casinos accept this payment method?
Common online casinos accept Visa/Mastercard linked to ING accounts.
Are there exclusive partnerships with specific casinos?
No public exclusive partnerships known.
Do conditions differ when used in different casinos?
Terms typically consistent across merchants.
Are there special bonuses for using this method in casinos?
No casino-specific bonuses known.
Can the method be used for both deposits and withdrawals in casinos?
Deposits are common; withdrawals vary by casino and method.
Are there geographic restrictions for casino usage?
Usage subject to local gambling laws and bank policies.
How do casino operators typically process transactions from this method?
Via card payments or bank transfers processed like other merchants.
Are there typical processing times when used with casinos?
Usually instant or near-instant deposit processing; withdrawal times vary.
Do casinos usually charge additional fees for this method?
Some casinos may charge processing fees; varies by site.
Are there any known compatibility issues with major casino platforms?
No widespread or publicized compatibility issues reported.