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Wholesale Banking

European pooling solutions

With ING’s European Cash Pooling solutions, you can regain complete visibility, access, and control over organisational cash flow across entities, geographies, and currencies. Choose flexible, scalable services to help you centralise funds, optimise cash flow, mitigate financial risks and streamline processes for greater efficiencies. Whether you operate in a single, domestic market or multiple areas in Europe, our solutions are designed to suit you and your business.

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ING European Pooling Solutions

Physical Pooling

Consolidate physical funds from individual subsidiary accounts into a header control account, concentrating cash in one location for improved oversight, control, and cash flow availability.

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Notional Pooling

Notionally combine cash flow using balance and interest set-off across subsidiary accounts to optimise interest without commingling funds. Maintain account autonomy and integrity, while allowing each subsidiary account to benefit from a single, centralised liquidity position. 

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Virtual Cash Management

Maintain one real-time cash position of all your local and international subsidiaries in one place to avoid idle cash and improve fund visibility, access, and reconciliation across multiple markets and locations.

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Maximise Cash Flow and Liquidity Management in European markets


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Enhance cash flow visibility, control, and management with fund consolidation solutions


Choose a customised consolidated solution built for your business and organisational structure


Access a European network of cash pool banking solutions available in 18 EU countries


Consolidated and Streamlined Cash Flow

  1. Optimise cash flow management and control with advanced pooling solutions. Centralise funds across your entire organisation, whether you operate in a single domestic market or across international borders. 
  2. Mitigate currency exposure, counterparty, and regulatory risks by enabling efficient allocation of funds to subsidiary accounts from a centralised location. Reduce idle cash, optimise liquidity, and enhance fund visibility, while maintaining compliance with local and international restrictions. 
  3. Streamline cash management and automate processes by automatically pooling funds from subsidiary accounts to a single consolidated location on a real-time, intraday, or end-of-day basis. Take advantage of enhanced earned interest and available capital to add greater efficiencies and investment opportunities to your organisational cash flow. 

Physical Pooling Solutions

Domestic Cash Pooling 

Manage local cash flows within a single domestic market, pooling funds into one header account. Retain the benefits of localised accounts, while achieving centralised cash concentration and interest optimisation with a fully automated, zero-balancing solution. 

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Cross Border Cash Pooling

Uphold full visibility and oversight of cash flow within cross-border subsidiary accounts, sweeping funds into one centralised location with single currency cash pooling. Choose zero or target balancing transfers to customise control over organisational cash flow.

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What can we do for you

ING offers customised cash and liquidity management solutions to suit your organisational needs. We currently serve corporate clients and financial institutions in over 35 countries, pairing local and global insight with sector knowledge and financial expertise to provide greater cash flow control, visibility, and efficiencies for our customers.

Contact your ING representative to know more about our offering. 

Explore global pooling solutions

Why partner with us

Our purpose is to empower people to stay a step ahead in life and in business. So whatever your financial needs, whether you are looking to expand and want strategic advice, or just want to make your day-to-day banking more efficient, we are here to support your business ambitions.

  • Serving corporate clients and financial institutions in over 35 countries.
  • We pair local and global insight with sector knowledge with financial expertise.
  • We are ranked as a leader in sustainability and we are included in the FTSE4Good Index.
  • Global Capital

    Most impressive investment bank for corporate ESG capital markets and advice

  • Global Finance

    Outstanding leadership in sustainable bonds (global) & sustainable project finance (Western Europe)

  • Global Capital

    Most impressive investment bank for financial institutions