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Sending money abroad from the Netherlands? Here’s how ING makes it easier

ING’s international payments feature lets you transfer money abroad in more than 30 currencies — directly from your Dutch banking app, with transparent fees and no nasty surprises.

If you’ve ever tried to transfer money to or from the Netherlands, you’ve probably come across unclear fees, a mark-up on the exchange rate that only shows up mid-transfer, and at least one request for a code you’ve never heard of.

We went looking for a transparent, stress-free option, and found it sitting right inside our ING banking app.

What counts as an international payment?

Before diving in, it’s worth understanding the difference between the two main types of international transfers, as they work quite differently.

Transfers within Europe

If you’re sending money to someone within the Single Euro Payments Area (or SEPA), the process is generally quite straightforward.

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Transfers with the SEPA zone tend to be the most inexpensive and straightforward. Image: Magnific

SEPA covers all 27 EU member states, plus Iceland, Liechtenstein, Norway, and Switzerland. You can think of it as a standardised payment network that makes transferring euros across European borders feel much like a domestic transfer.

All you’ll need is your recipient’s IBAN, which is a string of alphanumeric code that identifies their account.

Transfers outside Europe

If you’re transferring funds outside of the Eurozone, we’ve found that things get slightly more complex.

You’ll need your recipient’s SWIFT/BIC code, which is an 8–to 11-digit identifier that tells the network exactly which bank and branch you’re sending cash to.

Some banks may also require additional details, such as a routing number for US transfers or your recipient’s address. We find it quite handy that the ING app flags these requirements when you select your destination country, so you aren’t caught off guard mid-transfer.

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Dutch banking apps tend to offer far greater reliability, which is a major pro when handling your precious money. Image: Magnific

Why we opted to use a Dutch bank for international money transfers

In our experience, using a Dutch banking app typically means fewer moving parts, as you needn’t trust a third party with your personal bank details.

In addition to this, traditional Dutch banks like ING have considerably improved their English-language support over the years.

Not only is the ING app (and many pages of their website) available in English, but the bank also has a widespread branch network with brick-and-mortar offices you can actually visit.

Plus, with European Central Bank oversight and a regulatory track record going back decades, transferring funds with ING just feels a lot more reliable.

How ING’s international transfers work: a step-by-step guide

Whether you’re sending money back home, paying for a foreign holiday, or transferring funds for your university tuition, ING handles it all from the same app you already use for your daily banking.

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Best of all? You needn’t download any extra apps. Image: Magnific

Here’s how a typical transfer works:

1. Open the ING app, tap “Transfer”, then hit the globe icon in the top right corner. If you’re using the My ING online banking portal instead, select “New Transfer”.

2. Fill in the necessary details, such as the destination country, the name and account number of your recipient, the amount, and your preferred currency. You can also include a transaction description.

3. Review the rate and costs before you confirm the transaction. ING shows you the exchange rate, the fees, and the total amount to be debited.

4. Confirm your payment once you’re satisfied.

In most cases, your money will arrive the same day, although processing times may vary by currency and destination. Do refer to the ING website if you’re unsure of your exact transfer timeline.

What to expect with fees, costs, and currencies

If you’re anything like us, you probably hate surprises, especially where money’s concerned. Luckily, we’ve found that ING is quite transparent about listing their transfer fees and costs, so you can go in with your eyes open.

For those sending euros within the SEPA zone, good news: you won’t be charged fees or a currency exchange markup.

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If you’re transferring funds within the EU, you’ll avoid currency exchange markups and many additional fees. Image: Magnific

For international payments, ING charges a small fee per transaction — but how that’s applied depends on who’s picking up the bill. When you initiate a transfer, you’ll be asked to choose one of three cost arrangements:

  • SHA (shared) cost: you pay a small fee per transaction, and the recipient’s bank covers their own charges
  • OUR cost: you pay a small fee per transaction, plus any charges levied by the recipient’s bank
  • BEN (beneficiary) cost: the recipient covers all charges; you pay nothing upfront except for the money you’re sending

If your transfer involves a currency conversion, there’s one more figure to factor in.

ING generally applies a 0.85% mark-up to the base exchange rate for the 19 most commonly used non-euro currencies. These include AED, AUD, AWG, BHD, CAD, CHF, CZK, DKK, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, SAR, SEK, SGD, USD, and XCG.

Is ING’s International Payments option right for you? Our thoughts

Naturally, ING’s international transfers won’t be a perfect fit for everyone.

If you send frequent, high-volume transfers, those €6 transaction fees and 0.85% markup can really add up. In those cases, it’s worth comparing ING’s International Payments against specialised money transfer platforms to see if you’re getting a better deal.

However, in our opinion, ING is a great option if you value transparency and simplicity. The exchange rate is shown upfront, fees are fixed and published, and you won’t find hidden charges lurking in your confirmation email.

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ING really shines when it comes to simple, straightforward payments. Image: Magnific

For those living and working in the Netherlands, we think this bank offers a straightforward, transparent process, built into a banking app you’re probably already using.

Customer support is accessible, and you’ve got no third-party apps and no waiting for funds to settle in your account before they can be transferred.

Thinking of trying out ING’s International Payments? Learn more.

Have you transferred funds with ING’s International Payments feature? Share your experience in the comments below.


Disclaimer:
This article is provided in English for convenience. If any differences arise, the Dutch version of ING’s terms and conditions is leading and binding.
ING Bank N.V., registered office at Bijlmerdreef 106, 1102 CT Amsterdam, the Netherlands.
ING Bank N.V. is supervised by De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM).
ING Bank N.V. is registered in the Dutch Commercial Register under no. 33031431 and is a member of Kifid (www.kifid.nl).

eSIMs in the Netherlands: how they work, who they’re for, and when to consider one

Dutch eSIMs have vastly simplified the process of getting connected — and if you haven’t considered making the switch yet, this guide covers everything you need to know.

Getting a Dutch SIM card used to mean waiting three business days for a tiny piece of plastic to arrive in the post, then attempting to decipher activation instructions written entirely in Dutch. eSIMs have quietly made that process feel unnecessary.

But are they actually better than physical SIM cards? And are they right for you? Let’s get into it.

What is an eSIM (and how is it different from a regular SIM card)?

A traditional SIM card is a small, plastic chip that you physically insert into your device.

Instead of inserting a SIM card, you simply download your eSIM and activate it in your mobile’s settings.

There’s no need to take your phone apart, making it easier to switch between mobile carriers, update your mobile plan, or switch between phone numbers on the same device.

As the underlying technology is identical, you can still call, text, and surf the web as you normally would.

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In essence, an eSIM functions the same way as your physical SIM card. Image: Magnific

However, they do have one big catch: eSIMs aren’t compatible with all devices.

If your device is an older model, it may lack the ability to use an eSIM. Similarly, if you bought your current mobile through a Dutch phone subscription, your device may be carrier-locked. This means that you’ll be unable to switch providers until your SIM lock is disabled.

Always check your device compatibility before purchasing an eSIM plan.

With all Simyo’s plans available in eSIM format, you can get access to an award-winning service without waiting for a physical card in the post. Whether you’re after a flexible prepaid plan or a longer-term SIM-only deal, you can get set up entirely online.

How to purchase and activate an eSIM in the Netherlands

While the process can vary by provider, it’s generally consistent across Dutch carriers and international eSIM platforms.

Your first step is purchasing an eSIM, either through a provider’s website or app. Instead of waiting for a physical card to arrive in the post, you’ll typically receive a QR code by email.

Once you have your QR code, your activation process might differ slightly, depending on your device’s OS:

  • iPhone: Go to Settings > Cellular > Add eSIM.
  • Android: Go to Settings > Network & Internet > SIMs > Add More.

Simply scan the code, and your phone will “handshake” with the network. Within a minute, you’ll see the signal bars appear at the top of your screen.

Good to know: If you can’t download your eSIM via the QR code, you can also request a manual activation code (also known as an “SM-DP+ address”).

To insert this, just head to your device’s SIM settings (typically under “Cellular” on iOS, and “Network & Internet” or “Connections” on Android). There should be an option to add eSIM details manually — just paste your activation code in the field there.

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You can take your Dutch number on a trip across the globe with you. Image: Magnific

Can you keep your existing Dutch number?

If you’re worried about losing that Dutch number you’ve spent ages memorising, you needn’t be.

Provided you’re switching to another provider in the Netherlands, number porting works exactly the same for eSIMs as it does for physical cards.

When you order your eSIM, you simply indicate that you want to keep your current number. Your new provider will coordinate with your old one, and on the switch-over day, your eSIM will automatically take over the old number.

The pros of opting for an eSIM in the Netherlands

Are you still on the fence about eSIMs in general? Here are some benefits that might just sway you.

You can get connected in a matter of minutes

If you’re a tourist or a new international, an eSIM offers you a quick and simple connection — often as soon as your plane touches down at Schiphol.

There’s no hunting for a SIM kiosk at the airport, and no potential for losing your original SIM card while swapping it out; you’re just connected.

There’s nothing to lose, damage, or accidentally snap

This is a biggie, given that physical SIM cards get lost, broken, and — ask any long-term expat — quietly deactivated by providers when they haven’t been used in a while.

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With no physical parts, you won’t need to remove your existing SIM card to use an eSIM. Image: Magnific

With a Dutch eSIM plan, you can keep your original SIM in your device, as there’s no reason to swap out SIM cards.

You can keep your original number active

For internationals juggling their home mobile number and a Dutch one, an eSIM can be a genuine game-changer.

Both lines run simultaneously — meaning your family can still reach you on your old number while your Dutch landlord, GP, and DigiD account all have access to your local one.

Everything is managed digitally

If you need to purchase an eSIM, top up your mobile data, or switch plans, you can handle things via your provider’s app.

You needn’t visit a brick-and-mortar mobile store or provide your BSN to get connected, making the entire process far less exhausting for new internationals.

New to the Netherlands? Getting connected shouldn’t be a bureaucratic hurdle, which is why we love how simple Simyo’s registration process is.

Their website walks you through each step in English, assesses your device compatibility, and sends your eSIM whizzing straight over to you.

The downsides of opting for an eSIM in the Netherlands

Of course, no piece of technology is perfect, and this maxim extends to eSIMs, too. Here are a few drawbacks worth considering if you’re planning to purchase an eSIM plan.

Not every mobile supports eSIMs

If your device is an older model, it’s likely to be incompatible with most eSIMs on the Dutch market. And, sadly, there’s no workaround.

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If your mobile is an older model, it likely won’t be compatible with an eSIM. Image: Magnific

Even some newer budget models from less mainstream brands skip eSIM support entirely, so always remember to check your device’s eSIM compatibility before purchasing a plan.

Not all eSIM plans include a Dutch phone number

Some eSIM providers (especially international travel-focused platforms) offer data-only eSIM plans with no local number attached.

While that’s perfectly fine for tourists, it’s a real headache for anyone settling down in the Netherlands long-term.

Many services, including GP offices and DigiD, will require a Dutch mobile number for registration or SMS verification.

You’ll need Wi-Fi to activate your plan

Setting up an eSIM requires an active internet connection at the point of installation.

If you’ve just landed and want to activate your eSIM, you’ll need to find public Wi-Fi first. While this might seem like less of a hassle at the airport, not all public Wi-Fi is secure or stable.

eSIM vs physical SIM in the Netherlands: which is better for you?

The honest answer is that it depends almost entirely on your situation.

If you’ve just landed in the Netherlands, are managing two mobile numbers, or simply want the least stressful setup experience possible, an eSIM is probably the better choice.

The ability to get connected before you’ve got a BSN and bypass the hassle of hunting down a mobile store makes a real difference when you’ve already got a mountain of Dutch admin ahead of you.

eSIMs are also especially handy for tourists and other short-term visitors.

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With an eSIM, you needn’t rely on dodgy airport WiFi. Image: Magnific

Since you can activate your eSIM online, you don’t have to waste time looking for a SIM kiosk at Schiphol Airport — which, frankly, isn’t how anyone wants to spend their first hour in Amsterdam.

However, there are also a handful of scenarios where opting for a physical SIM makes sense.

They work on virtually any mobile device, including older models that predate eSIM support entirely. If your phone is from before 2018 or 2019, a physical SIM is likely your only option.

Physical SIMs are also easier to move between devices if you regularly swap phones, and some budget Dutch providers still don’t offer eSIM alternatives.

For most internationals with a relatively recent smartphone, though, the eSIM wins on sheer convenience.

It’s faster to set up, easier to manage, and one less physical thing to lose in the chaos of moving to a new country — and, if you’ve ever experienced moving to the Netherlands, you’ll know that’s already chaotic enough.

Have you made the switch to an eSIM in the Netherlands, or are you holding onto your physical SIM? Tell us in the comments!