SEPA in ING España
Working with ING España (BIC INGDESMM, AEB code 1465)? Below is everything you need to upload your SEPA file and have it processed without friction.
TL;DR
- BIC:
INGDESMM - AEB code:
1465 - SCT cut-off: 14:00
- Formats: SEPA XML pain.001/pain.008, Norma 19, Norma 34
- Upload path: ING Business Banking → Operations → Upload SEPA file.
Quirks
100% digital bank. No physical branches, online support. REST API available to corporate customers.
Step-by-step upload
- Generate your SEPA XML in GenerateSEPA or export from your ERP.
- Validate the batch with our SEPA XML Validator.
- Sign in to online banking: ING Business Banking → Operations → Upload SEPA file.
- Confirm signing (second factor if needed).
- Download the receipt.
Spotting a ING España IBAN
Any Spanish IBAN starting with ES#1465 belongs to ING España. Confirm via Bank from IBAN.
Common errors
- Uploading a non-supported file type (check ‘Formats’ above).
- Missing the 14:00 cut-off (operation rolls to D+1).
- Out-of-date mandate after debtor changes.
Conclusion
ING España accepts SEPA XML seamlessly. Follow the steps above and always validate before submitting.
