Germany · ING Bank, a branch of ING-DiBa AG · EBICS
Connect ING Germany without learning EBICS.
EBICS 2.4 to 3.0 on Host ID ING, a published order-type list mapped to 3.0 BTFs, and the older German SEPA formats withdrawn on 1 November 2026. We handle the payments, the statements and every protocol step underneath.
The host, checked live
<ebicsHEVResponse xmlns="http://www.ebics.org/H000"> <ReturnCode>000000</ReturnCode> <ReportText>[EBICS_OK] OK</ReportText> <VersionNumber ProtocolVersion="H003">02.40</VersionNumber> <VersionNumber ProtocolVersion="H004">02.50</VersionNumber> <VersionNumber ProtocolVersion="H005">03.00</VersionNumber> </ebicsHEVResponse>
Host ID
ING
EBICS 2.5
H004
EBICS 3.0
H005
Answered in
0.37 s
Published by the bank
The imprints of ING Wholesale Banking Germany and ING-DiBa AG, and the GLEIF register.
Bank details
| Legal name | ING-DiBa AG |
| Corporate banking | ING Bank, a branch of ING-DiBa AG — ING Wholesale Banking Germany |
| Branch address | Hamburger Allee 1, 60486 Frankfurt am Main |
| Registered office | Theodor-Heuss-Allee 2, 60486 Frankfurt am Main |
| Register | Amtsgericht Frankfurt am Main HRB 7727 |
| BIC, ING Bank branch | INGBDEFFXXX |
| BIC, ING-DiBa AG | INGDDEFFXXX |
| LEI | 3KXUNHVVQFIJN6RHLO76 |
| Supervision | European Central Bank · BaFin |
Checked live
Measured against the live host.
Access data
| EBICS address | https://insidebusinessconnect.ingwb.com/ebics/EbicsServlet |
| Host ID | ING |
| Protocol versions | H003 (02.40), H004 (02.50) and H005 (03.00) |
Published by the bank
ING's EBICS connection parameters and its InsideBusiness Connect for EBICS page.
Connection parameters and keys
| Port | 443 |
| IP address | 145.221.176.250 |
| TLS | TLS 1.2 |
| Cipher suites | TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384 · TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 |
| Authentication key | X002 |
| Encryption key | E002 |
| Electronic signature | A005 and A006 |
| Bank keys and certificates | Given in the Access Letter at setup |
| Bank key hashes | Not published |
| Participant ID | Issued at setup |
| User ID | Issued at setup, one per user |
| Distributed signature | Electronic Distributed Signature — offered |
| Bank account management | Electronic Bank Account Management — offered |
| Availability | 24/7 |
| End of EBICS 2.4 and 2.5 | Not published |
Published by the bank
ING's connection letter for InsideBusiness Connect for EBICS, January 2026.
Order types published by ING
| 2.5 | What it does | Dir | Format | Service | Scope | Option | Container |
|---|---|---|---|---|---|---|---|
| CCT | SEPA credit transfer, payee check opt-out | Send | pain.001 | SCT | DE | — | — |
| CTV | SEPA credit transfer, payee check opt-in | Send | pain.001 | SCT | DE | VOI | — |
| CIP | SEPA Instant, payee check opt-out | Send | pain.001.001.09 | SCI | DE | VOO | — |
| CIV | SEPA Instant, payee check opt-in | Send | pain.001.001.09 | SCI | DE | VOI | — |
| CCU | Euro credit transfer, real time | Send | pain.001 | XCT | DE | URG | — |
| XCT | Confidential SEPA payments, no details in the distributed signature | Send | pain.001 | SCT | BIL | CFD | — |
| AXZ | International credit transfer | Send | pain.001 | XCT | DE | — | — |
| YCT | Credit transfer, CGI — SEPA and non-SEPA | Send | pain.001.001.03 · .09 | MCT | BIL | — | — |
| YIP | SEPA Instant, CGI, opt-out | Send | pain.001.001.09 | SCI | BIL | VOO | — |
| XSF | Credit transfer, supply chain finance | Send | pain.001.001.03 · .09 | MCT | BIL | INGXSF | — |
| RFT | Request for transfer, MT101 — ends 1 Nov 2026 | Send | mt101 | RFT | — | — | — |
| CDD | SEPA core direct debit | Send | pain.008 | SDD | DE | COR | — |
| CDB | SEPA B2B direct debit | Send | pain.008 | SDD | DE | B2B | — |
| XDD | Direct debit, CGI — SEPA and non-SEPA | Send | pain.008.001.02 · .08 | SDD | BIL | — | — |
| CK8 | SEPA Cards Clearing Germany | Send | pain.008 | SCC | BGR | — | SVC |
| YCV | Payee check, stand-alone | Send | pain.001.001.03 · .09 | OTH | BIL | INGVOP | — |
| C52 | Intraday account report | Download | camt.052.001.02 · .08 | STM | BIL | — | ZIP |
| C53 | End-of-day account statement | Download | camt.053.001.02 · .08 | EOP | BIL | — | ZIP |
| C54 | Debit and credit notification, details | Download | camt.054.001.02 | STM | BIL | — | ZIP |
| STA | End-of-day statement, MT940 | Download | mt940 | EOP | BIL | — | — |
| VMK | Intraday report, MT942 | Download | mt942 | STM | BIL | — | — |
| BKA | Account statement as PDF | Download | EOP | BIL | — | ZIP | |
| ZSR | Payment status report, not instant | Download | pain.002.001.03 · .10 | PSR | BIL | — | ZIP |
| CIZ | Payment status report, instant | Download | pain.002.001.03 | PSR | BIL | SCI | ZIP |
| XSR | Payment status report, supply chain finance | Download | pain.002.001.03 | PSR | BIL | INGXSR | ZIP |
| VPZ | Payee check result | Download | pain.002.001.10 | REP | DE | VOP | ZIP |
| ZPV | Payee check result, stand-alone | Download | pain.002.001.10 | REP | BIL | VOP | ZIP |
| C86 | Global fee report | Download | camt.086.001.02 | REP | BIL | — | ZIP |
| X86 | Global fee report, spreadsheet | Download | xlsx | REP | BIL | — | ZIP |
| Y86 | Global fee report, PDF | Download | REP | BIL | — | ZIP | |
| BKI | Account invoice | Download | DAR | BIL | — | ZIP |
Files under CCT, CTV, CIP, CIV, CCU, XCT, AXZ, CDD, CDB and the four service-bureau upload types are validated against the DFÜ Agreement of the German Banking Industry Committee. The camt .08 versions and the PDF statement and invoice depend on the country of the account.
Eight more cover the German service-bureau (SRZ) procedure: a service bureau submits the file, and you sign it.
Published by the bank
ING's cut-off schedule for its German branch, September 2026.
Cut-off times
| SEPA credit transfer, same day | 15:00 CET — booked and settled D |
| SEPA credit transfer, same day in batch | 14:30 CET — booked and settled D |
| SEPA credit transfer, salary in batch | 14:30 CET — booked and settled D |
| Euro real-time credit transfer | 16:30 CET — booked and settled D |
| SEPA Instant | Not published |
| International, standard, EUR | 17:00 CET — settled D+1 |
| International, standard, other currencies | 17:00 CET — settled D+2 |
| International, urgent, EUR | 16:00 CET — settled D |
| International, urgent, USD and GBP | 17:00 CET — settled D |
| International, urgent with FX | One hour before the urgent cut-off for the currency |
| SEPA direct debit, as creditor | 23:00 CET on D-2 |
Published by the bank
ING Bank's tariff brochure for Germany, effective 1 July 2026.
Price
| EBICS subscription | €280.00 per month — InsideBusiness Connect, EBICS, SWIFTNet |
| Set-up | €5,000.00 one-off |
| End-of-day reporting | €20.00 per month, per account, per format, per channel — MT940, camt.053, camt.054 |
| Intraday reporting | €30.00 per month, per account, per format, per channel — MT942, camt.052 |
| Charges within the EEA | Every EEA payment processed with SHA, shared costs |
Published by the bank
ING's Swift ISO 20022 FAQ.
Formats
| Format on EBICS | Withdrawn | Move to |
|---|---|---|
| pain.001.002.03 | 1 Nov 2026 | pain.001.001.09 |
| pain.001.003.03 | 1 Nov 2026 | pain.001.001.09 |
| pain.008.003.02 | 1 Nov 2026 | pain.008.001.08 |
| pain.008.001.01 | 1 Nov 2026 | pain.008.001.08 |
| MT100 | 1 Nov 2026 | pain.001.001.09 |
| MT101 | 1 Nov 2026 | pain.001.001.09 |
| pain.001.001.03 · pain.008.001.02 | No plans to withdraw |
| pain.001.001.09 | Available on host-to-host channels |
| MT940 · MT942 | No end date |
| camt version 08 | Rolled out country by country — not mandatory |
| Structured-address deadline | Not published — postponed after Swift's announcement of 27 August 2026 |
BankConnector
What is built and shipped for this bank today.
What our engine produces
| Channel | EBICS — Host ID ING |
| Payment format | pain.001.001.03 |
| Also selectable | pain.001.001.09 — per customer agreement |
| Charge bearer | SLEV on SEPA payments · SHAR on all others |
| Batch booking | True |
| Remittance limit | 140 characters |
| Name limit | 70 characters |
| Character set | Latin — transliterated before the bank sees it |
| Payment types built | SEPA credit transfer · SEPA instant · domestic account transfer · international |
| Read back | camt, pain.002 — one normalised format |
| Not supported | Direct debits |
BankConnector
Questions
- What is ING Germany's EBICS Host ID and URL?
- Host ID ING, address https://insidebusinessconnect.ingwb.com/ebics/EbicsServlet on port 443. ING gives its public bank keys and certificates in the Access Letter at setup, and issues the participant ID and each user ID then too.
- Which EBICS versions does ING support?
- EBICS 2.4 (H003), 2.5 (H004) and 3.0 (H005). ING has not published an end date for 2.4 or 2.5. It accepts X002 authentication keys, E002 encryption keys and A005 or A006 signatures.
- What does EBICS cost at ING in Germany?
- ING Bank's German tariff brochure, effective 1 July 2026, lists €280.00 a month for InsideBusiness Connect, EBICS and SWIFTNet, and a one-off €5,000.00 set-up. Reporting over the channel adds €20.00 a month per account, format and channel for end-of-day statements and €30.00 for intraday reports.
- When does ING withdraw the older German SEPA formats over EBICS?
- 1 November 2026. From that day pain.001.002.03 and pain.001.003.03 move to pain.001.001.09, pain.008.003.02 and pain.008.001.01 move to pain.008.001.08, and MT100 and MT101 over EBICS end. ING has no plans to withdraw pain.001.001.03 or pain.008.001.02.
- Does ING support Verification of Payee over EBICS?
- Yes. CTV and CIV submit with the payee check opted in, CCT and CIP with it opted out, and VPZ returns the result as pain.002.001.10. A stand-alone check runs under YCV, with its result under ZPV.
- Can I connect my ERP to ING Germany?
- Yes. You send canonical JSON and BankConnector produces the pain.001.001.03 file, or pain.001.001.09 where your agreement names it, and reads camt and pain.002 back into one normalised format. SEPA credit transfers, SEPA instant, domestic account transfers and international payments are supported. Direct debits are not.
Published by the bank
Dates the bank has announced. What we do about each one is ours.
Upcoming events in our register
The older German SEPA formats end on EBICS: pain.001.002.03 and pain.001.003.03 move to pain.001.001.09, pain.008.003.02 to pain.008.001.08, and MT101 over EBICS stops. We produce pain.001.001.03, which ING keeps, and pain.001.001.09.
If all of this looks like a lot · it does not have to be
Five steps to a live ING connection.
You do not need to know what any of the codes above mean. Our setup guide walks you through it one screen at a time.
- 1
Request the agreement from ING
EBICS starts with paperwork. We draft the email, you send it, and you tell us when it has gone. There is nothing to configure until the bank replies.
- 2
Set up and send your keys
Enter the values from the agreement ING returns. We already hold the ones that are public, so most of the form is filled in. Then one press generates your three key pairs and sends the public halves.
- 3
Prove your identity on paper
EBICS confirms the key exchange on paper, by design. We print the initialisation letter carrying the fingerprints ING will check. You sign it by hand and send it.
- 4
Verify ING and go live
While you wait, we fetch the bank's public keys and check them against the fingerprints it gives you over a separate channel. When that lands, you choose which approval policy governs payments here, and the connection switches on.
- 5
You are now in production with ING
Payments go out as pain.001 and statements come back as camt. The connection runs unattended from here.
Sources — the imprint of ING Wholesale Banking Germany, the imprint of ING-DiBa AG, the GLEIF record for ING-DiBa AG, ING’s EBICS connection parameters and InsideBusiness Connect for EBICS page, its connection letter for InsideBusiness Connect for EBICS (January 2026), ING Bank’s tariff brochure for Germany (effective 1 July 2026), its cut-off times and settlement dating (September 2026) and its Swift ISO 20022 FAQ. BankConnector is not affiliated with ING-DiBa AG.
How BankConnector handles the pain.001.001.09 migration, bank by bank →