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Wholesale Banking

Tips on safe internet banking

By acquiring access to your security details, a third party can view your account information and use it for illegal purposes. Protecting your security details is your responsibility.

  • Always use the ING I-Dentity Card and ING I-Dentity Reader, ING Scanner, or use mToken with mPIN (via Inside Business App). If you use other readers, your (m)PIN may be retrieved and misused.
  • Your (m)PIN is strictly confidential and for personal use only. ING employees will never ask for your (m)PIN via e-mail, telephone, or SMS. Never disclose your (m)PIN to others!
  • Never write down your user ID and (m)PIN. Make sure nobody is watching when you enter your (m)PIN or your user ID on the screen.
  • If you have lost your ING I-Dentity card, ING Scanner, and/or your smartphone with the IB App installed on it, or if you suspect a third party knows your (m)PIN, inform ING immediately to prevent misuse. 

Phishing: be suspicious of a fraudster’s attempt to acquire your security credentials

A phishing attack is when criminals send you fake emails to acquire your personal information and credentials so they can steal money from your account. Remain suspicious and educate yourself about phishing risk

Be careful when using the internet

Criminals often use websites to persuade you into revealing confidential information, or to tempt you into downloading and running malicious software. Be aware of this risk when you are working on the internet. Any file you download from the internet may be infected by a virus, even if it is just a funny movie, a nice picture or a PDF document. Never install software that you downloaded or received via e-mail unless you are certain of its origin and integrity. In case of doubt, contact your system administrator or IT help desk.

Starting and closing ING internet banking services

Starting ING internet banking:

  • Check the URL in the address bar of your browser. This should say: If this is not the case, do not continue; you do not have a secure connection with ING. Please contact ING’s helpdesk.
  • Click on the 'closed padlock’ icon in the address bar of your browser. Information on the secure connection should be shown. Check whether the Secure Socket Layer (SSL) certificate has been issued to ING.

Ending an internet banking session:

  • When you are finished with your banking activities, always close the active session properly by clicking on ‘Log out’. Otherwise your connection is still active and can be misused.
  • If you have downloaded and/or opened a document, a copy will be stored on your hard disk. Make sure you clear your browser cache afterwards.
  • Close all browser windows.
  • Remove your ING I-Dentity Card from your ING I-Dentity Reader immediately after closing ING internet banking. Store it in a safe place to prevent any potential misuse.

Do not leave your computer unattended

If you leave your computer unattended while you are logged in to InsideBusiness, others can take advantage of the situation.

Check before you sign a transaction

Check the amount and beneficiary of the transaction before authorising. If you process a large number of transactions via ING internet banking, we recommend the use of an accounting or ERP system. Within ING internet banking applications, the validity of the transactions can be verified by using the ‘hash check’ functionality. When authorising your order, you can check if it has been modified in ING internet banking. You can request a so called ‘hash check’ when importing transactions. This is an extra method of checking whether your file was modified (the check provides no guarantee). You can contact your helpdesk if you need more support with using this functionality.

Check InsideBusiness inbox regularly 

Always check news, advice and recommendations sent to you via InsideBusiness inbox and immediately notify the bank for any discrepancies.

More information on login and authorisation: mToken and ING Scanner.


The information on this page is provided to you solely for informational purposes in order to make you aware of the most frequent cases of fraud and provide you with recommendations to protect yourself against it. This information does not ensure that your company, acting upon these recommendations is or will be protected against any occurrence of fraud detailed on this website. No rights can be derived from the use of and reliance on the safeguards you take by following up these recommendations. ING does not accept any responsibility or liability with respect to your reliance on and the actions you take as a result of these recommendations. This disclaimer is governed by Dutch law.