Internet banking is becoming more popular in our society every day. Many banks now offer this form of account management. ING also uses internet banking, but how does that actually work?
To be able to use internet banking with ING, you must first be an ING customer. An account with this bank is therefore a requirement. Also make sure that the account is activated, otherwise you won’t be able to start much. If you have an activated ING account, you must first have an account, also called My ING. You can create this account on the ING website. You will need your personal information, such as your bank account number. Once the account has been requested, it must still be activated with a code. You still have to request this code yourself. You can do this by logging in with your new login details to your new ING account. If you are logged in, you can select ‘Settings’ within your account. Under this heading you will also find the heading ‘Request an account code’. You need the code to activate the TAN function. You need a TAN code for every transfer you make via internet banking. Without the TAN function, you will not receive TAN codes and you will therefore not be able to make transfers. Once you have received the activation code, go back to ‘Settings’ within your account and click on ‘Enter account code’. Your account is now complete and you can use internet banking.
If your account is activated and the TAN function works, you should be able to get started. To make transfers, you must first log in to my ING. Go to the ING website and you will immediately see at the top right of the first page: ‘Log in to My ING’. Click on this. You go to the next screen. The site will now ask you to log in. You can do this with the data sent to you: the username and password. You can change this password within your account, this is highly recommended. In addition to providing a username and password, you can also use a security calculator. You must request this in advance from ING. If you have a username and password, you cannot work with a calculator! Now fill in your details. Remember, this information is strictly confidential and provides direct access to your bank details. So be extremely careful with it! Once you have entered your details, press enter or log in. You will go to the next screen. Now you can directly access your own bank details. You will see an overview of the most current transfers to and from your accounts. You will also see your current bank balance. On the left side of the screen there are various options for internet banking. If you want to transfer an amount to another account or to a savings account, click on ‘Transfer’. This heading is at the top left next to ‘Payment’. In the next screen you enter the details of your transfer. This is how you start with the type of transfer: from bank account to another bank account, or from bank account to savings account or vice versa. You can also choose to invest or borrow (withdraw or repay) here. For example, you choose to transfer to another bank account. Now enter the correct amount, for example 50 euros. Enter euros in the first box and euro cents in the next box. The box below has already been filled in, it contains your own bank account. If you have multiple accounts, you can also select a different account here. Then go to the heading ‘To Account’. Here you enter the other person’s account number. In the next box, the second box, enter the name and place of residence of the holder of the account number. Select the desired transfer date below and indicate whether it should be transferred once or multiple times to the relevant account. If necessary, you can display payment characteristics, for example a customer number or an agreed term. Once you have filled in everything completely, check this sufficiently, then press ‘Save, to mailing list’. Would you like to make another payment? Then press ‘Save, new assignment’. You will now go to a payment screen again and can make another payment. After your payments you go to the mailing list. All your payments are neatly listed here. Check all the data again and double check everything. Then press ‘Send’. Now you come to the next screen. Here you will see the tracking number of your payments. Below this there is an open box for the TAN code. You already have this in your possession, or you will receive a text message with a new TAN code. It just depends on what you chose when you created an account. Enter the TAN code and then press ‘Send’. You will now automatically reach the next screen. You will see your assignment(s) again, indicating whether you were successful. Usually it says ‘Processed’ or ‘Pending’. Your assignment was successful! This is still very simple. You can make it as difficult for yourself as you want. Once you understand how everything works, you will naturally discover new things and learn how to set up the rest of your account. Good luck!