ING transfer limit 2026: Complete guide
ING is a popular provider for low cost everyday accounts, cards and services. ING has limits on the transfer services they provide, which it’s important to understand before you transact. Crucially, ING does not allow you to send money directly to a bank overseas. Instead, to move money from your ING account internationally you’ll need to use a third party provider like Wise or OFX.
This guide covers the key ING transfer limits you should understand, and also touches on services like Wise, Revolut and OFX, as great alternatives for high value transfers overseas.
Quick summary: ING transfer limits
- ING does not support outward international transfers – to send money overseas you’ll need a service like Wise or OFX instead
- The ING bank transfer limit for domestic payments depends on the transfer method
- The ING transfer limit on services like Osko and Pay Anyone is set at 5,000 AUD per day per account
- ING payment limits also apply on BillPay transfers, but these are set by the biller and outside of the control of ING
ING limits
- ING daily transfer limit: ING maximum transfer amount depends on the transfer type – usually 5,000 AUD/day as a default, with some options to increase certain payments to 20,000 AUD
- ING BillPay limit: Limit is variable and set by the biller
- ING receiving limit: No stated limit
ING large transfers: Pros and cons
| ING large transfers pros | ING large transfers cons |
|---|---|
| ✅ ING offers several convenient ways to send money in AUD within Australia
✅ ING has no fee for Pay Anyone and BPay transfers ✅ You can receive payments to ING both locally and internationally |
❌ ING does not support outward international transfers
❌ ING standard payment limits are quite low – typically about 5,000 AUD/day |
*Details correct at the time of research – 7th October 2025
ING does offer handy and simple to use account and card services – but they don’t let you send money from ING to banks based overseas. This can be frustrating if you want to pay an international bill or send money to a friend. As an alternative, you can use a service like Wise and pay from your ING account using a local transfer – more on that later.
Can you send high value international transfers with ING?
No. You can not send international transfers with ING Australia.
ING supports various local payment methods including Pay Anyone and Osko, but these transfers are usually capped at 5,000 AUD per account, per day, as a default.
You can receive international payments to your ING account if you have one of the following account types:
- Orange Everyday account
- Savings Maximiser account
- Home Loan account
ING high amount transfer fees
ING has no fee for local payment services such as Pay Anyone and BPAY. Bear in mind that if you’re paying a bill using a credit card, you may incur penalties or interest costs if you don’t settle your credit card debts in full and on time each month.
ING exchange rate for international transfers
ING does not support outbound international transfers from its accounts.
If you’re sending a payment overseas, you’ll need to use a third party provider like Wise or OFX. To help you decide which to use, look carefully at the full costs involved with sending your payment, including any fees added to the exchange rate used.
It’s pretty common for transfer services to add a fee to the exchange rate used to convert your AUD to the currency needed for deposit. However, this can make it harder to calculate the amount you’re really paying – and when you’re sending a high value transfer, the costs can really rack up.
Consider a provider like Wise which doesn’t add fees to the exchange rate used, and instead splits out all the costs of your transfer so you can see them easily. We’ll look at some great alternative providers to send your ING international transfer with a little later.
Is ING safe for large amount transfers?
ING is safe to use for the services it provides. There are fairly low payment limits on Australian transfers, and you can also change your limit to add a lower daily limit, or a temporary limit if you choose to.
ING transfer limits
ING does not support payments being sent overseas. For domestic transfers, the default limit is 5,000 AUD per account, per day, for most payments. You can choose to increase this up to 20,000 AUD maximum per day for Pay Anyone transactions.
This is a cumulative limit which applies across Pay Anyone transactions and also real time payment methods like Osko, and transfers made with the New Payments Platform. However, the value of real time payments (Osko payments for example) is capped at 5,000 AUD daily.
Alternatives to ING with higher transfer limits
ING doesn’t support international transfers – instead, to send money overseas you’ll need to pick a third party provider like Wise, Revolut or OFX. You’ll be able to pay with a local transfer from your ING account, and the provider can help to initiate your payment overseas according to their transfer process.
Here’s an overview of some excellent alternatives to ING with higher transfer limits, which support international payments:
| Providers | International transfer limits from AUD | Transfer methods | Transfer fees & exchange rates |
|---|---|---|---|
| ING | Not applicable | Not applicable | Not applicable |
| OFX | Usually unlimited | Bank deposit | 15 AUD for transfers under 10,000 AUD in value
Exchange rate may include a markup |
| Revolut | Usually unlimited | Bank deposit | Variable transfer fees plus currency conversion costs as applicable
Revolut rate to plan limit, then 0.5% fees apply 1% out of hours fee may apply |
| Wise | Up to 5 million AUD or more depending on payment method | Bank deposit | Fees from 0.63%
Mid-market exchange rate |
*Details correct at the time of research – 7th October 2025
OFX
OFX is well known as a specialist provider which offers excellent service, including a 24/7 phone contact option. You can send payments to 170+ countries, and there’s not usually any OFX limit on the amount you can transfer. OFX waives its transfer fee on payments of 10,000 AUD or more, with a fee of 15 AUD for most payments under this amount.
- OFX supports personal and business payments to 170+ countries
- High value transfers over 10,000 AUD have no transfer fee
- Arrange your payment online, in app or by phone
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited |
| Outgoing international transfer fee | 15 AUD for transfers under 10,000 AUD in value |
| Exchange rate | OFX rate – may include a small markup |
| Incoming international transfer limit | Service available for business customers only |
| Incoming international transfer fee | Service available for business customers only |
*Details correct at the time of research – 7th October 2025
Revolut
Revolut Australia has several different account tiers which include personal plans with no monthly fees, and some with ongoing charges which unlock additional features. You can send payments which have variable fees depending on your plan type, and all accounts qualify for some weekday currency conversion which uses the Revolut rate without additional fees. If you convert currencies beyond your plan limit you may pay a 0.5% fair usage fee, and out of hours conversions attract a fee of 1%.
- Choose from different plans, including some which offer a discount on Revolut transfer fees
- Send to 150+ countries in 40+ currencies
- Usually no limits apply on incoming and outgoing transfers
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Outgoing international transfer fee | When sending payments in the local currency of the country:
0.15% – minimum fee of 0.9 AUD to 4.9 AUD applies, maximum fee of 500 AUD When sending in a currency other than the currency of the country: 4 AUD – 8 AUD flat fee Some plans offer discounts on transfer fees |
| Exchange rate | Weekday conversion uses the Revolut rate to plan limit, then a fair usage fee of 0.5% begins
1% out of hours fee applies |
| Incoming international transfer limit | Usually unlimited – if a limit applies based on your account type and the currency involved, you’ll see it in the app |
| Incoming international transfer fee | No Revolut fee |
*Details correct at the time of research – 7th October 2025
Wise
Wise is a specialist in sending international payments, and also offers ways to receive incoming payments in a selection of foreign currencies. Wise has high limits which allow you to send up to 5 million AUD per transfer, and converts your AUD to the currency required for deposit using the mid-market rate.
There’s a dedicated Wise large transfer support team on hand if you need help sending a larger payment, and you can get an automatic discount on payments of 40,000 AUD or more.
- Mid-market exchange rates and low fees for overseas payments to 140+ countries
- Discounts available when sending 40,000 AUD or more over the course of a month
- High payment limits up to 5 million AUD+ per transfer
| Service | Limits and fees |
|---|---|
| Outgoing international transfer limit | Bank transfers – up to 1.8 million AUD
Card – up to 18,000 AUD PayID – up to 50,000 AUD RTGS – no limit Wise account – up to 5 million AUD |
| Outgoing international transfer fee | From 0.63% with discounts on payments over 40,000 AUD |
| Exchange rate | Mid-market rate |
| Incoming international transfer limit | Usually unlimited – receive with local details in 8+, and with SWIFT details in 20+ currencies |
| Incoming international transfer fee | No fee to receive with local currencies
Low, fixed fees apply to receive SWIFT payments and USD wires |
*Details correct at the time of research – 7th October 2025
How long do large transfers take with ING?
The delivery time for a domestic ING transfer depends on the payment type.
Real time payments using the New Payments Platform and Osko payments, are deposited more or less instantly. BPAY transfers can take 2 or 3 days to arrive.
How to send a large amount transfer with ING
You can send transfers domestically with ING within the ING app, or online. Here are the basic steps to follow:
- Log into your ING account and select Transfer and pay
- Tap Pay Anyone and then +New payee
- Select the method you want to pay to – Pay ID or mobile number, for example
- Enter the details of the recipient and the payment amount
- Follow the instructions to initiate the transfer
Information needed to send large amounts of money with ING
The easiest ways to send a payment with ING are to use PayID, or to pay using a mobile number. This means you don’t need to ask the recipient for their full banking information to send them money in AUD.
Is it possible to increase ING transfer limits?
You can increase the default daily Pay Anyone transfer limit from 5,000 AUD to an amount as high as 20,000 AUD if you want, as long as you hold an Orange Everyday account. This limit does not apply on real time payments, which are capped at 5,000 AUD per day.
How to increase ING transfer limits
To increase your limit on an Orange Everyday account you can take the following steps:
- Log into the ING app
- Select the account you wish to change the limit on
- Tap Manage and then Change account limit
- Follow the instructions to adjust your limit as you choose to
How to receive large transfers with ING
You can receive international transfers with Orange Everyday, Savings Maximiser and Home Loan accounts only. To receive money from abroad you need to give the sender the following information:
- ING SWIFT Code: INGBAU2S
- ING BSB: 923100
- Your full name as shown on your account
- Your ING account number
You’ll need to have the sender instruct their bank to send the money in AUD, or the transfer will be rejected.
Alternatives to ING for receiving large payments
You can’t receive an international payment to all ING account types – and you can’t receive money in any currency other than AUD. This may not be convenient, and may mean you end up paying for currency conversion you didn’t really need.
If you’d prefer to receive an international payment in a foreign currency without conversion you may prefer to use an alternative provider like Wise or Revolut.
- Wise Account review: Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount.
- Revolut Account review: Receive payments in AUD and EUR with local account information, and SWIFT transfers in around 25 other supported currencies.
ING business payments limits
While ING does offer products for business customers, they’re not really intended for making business payments. You can only transfer from your ING business account to another linked account in your own name, which must be in Australia.
If you’re interested in learning more about ING business services, you can contact the customer support team to discuss your needs.
ING customer support for high amount transfers
You can talk to ING customer support in the following ways:
- Message in the ING app using the iNG secure messaging service
- Call 133 464 or +61 2 9028 4077 for overseas customers
Conclusion: Does ING have transfer limits?
ING has limits on the types and value of payments you can send. You can not send international payments with any ING account, although some ING accounts can receive money from abroad. There are also domestic payment limits which are generally about 5,000 AUD per account per day.
If you want to send a transfer to someone who’s overseas, you’ll need an alternative provider like Wise or OFX. Both allow you to pay for your transfer with AUD, and can help convert your money with a good exchange rate, and send it to the recipient’s bank for deposit.
ING international transfer limits FAQs
How much can I transfer with ING internationally online?
You can not send money internationally with ING. If you want to send a transfer to someone who’s overseas, you’ll need an alternative provider like Wise or OFX.
What is the maximum amount you can transfer abroad with ING?
ING does not offer international transfers. For high value overseas payments, consider an alternative provider like Wise or OFX.
How can I increase the ING maximum transfer limit?
ING has a limit on domestic payments which is defaulted to 5,000 AUD per day. The limit on some payments can be increased to 20,000 AUD daily, by calling the bank or logging into your account’s online or mobile banking service.
