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Wholesale Banking

European pooling solutions

Regain complete visibility, access, and control over organisational cash flow across entities, geographies, and currencies with ING’s European cash pooling solutions

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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Maximise cash flow and liquidity management in European markets

 

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 European countries

Centrally optimise the cash balances of all your subsidiaries

European pooling solutions enables you to leverage cutting-edge technology and expertise to centralise operations. Take advantage of economies of scale, aggregate buying power, minimise treasury transaction costs, obtain greater visibility of information for control and governance purposes, and monitor and manage currency exposure.

Select the solution that best fits your needs or combine solutions to unlock more benefits for your cash management.

Consolidate physical funds

With our physical pooling, you can 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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Combine cash flows with notional pooling

Using notional pooling , you can 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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Maintain real-time cash position of all your subsidiaries

Virtual cash management gives you the ability to 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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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. 

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. 

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

    2023
  • Global Finance

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

    2022
  • Global Capital

    Most impressive investment bank for financial institutions

    2021