(Dziewul / Shutterstock.com)
Dear Thailandblog, I am not addressing you to say only bad things about ING, but how can a Bank, saved by the Dutch taxpayer, now abandon its customers in Thailand and in other countries?
Transferring and paying with Tancodes has been put an end to. Now that in itself is not so bad. Was it not that ING did not have the new system up and running for everyone?
You can transfer money in two ways: via a smartphone or via a scanner. You have to purchase the smartphone yourself. However, the scanner must be provided by ING. And that ING has started with the new systems, without really making sure that everyone who has to use the scanner actually owns it. And if they have it, it remains to be seen that you can actually get it to work. The service at the ING bar is poor and sometimes very rude. And then I express myself very neatly.
I am one of those many victims who worked with the Tancode. ING promised to continue working with the Tancodes until everyone had a scanner and was working. I still have not received my scanner. However, transferring and paying with Tandcode has been discontinued. As a result, many people can no longer access their money and are driven to high costs.
Telephone number of ING ringing red hot from abroad not or hardly accessible. The ING Facebook site often gives no answer to the questions asked or only evasive answers. And if you are unlucky, the chat is not or hardly responded to seriously. You can look at ING's Facebook site and see for yourself.
Now there are Dutch people who live in Thailand with the great problem and can no longer access their money, the water is on their lips. Their monthly income can no longer be transferred. Everything is standing still. For how long? Nobody knows. Maybe you can publish about that?
Sincerely from a person who has money, but can no longer access it due to an ill-considered change of the ING in the payment system.
Submitted by Fox
After a lot of wandering and nagging with Ing, my wife brought the scanner from the Netherlands to me.
Only I can't use it, because it has to be related to a telephone number and that has no choice but to register at an ING office in the Netherlands, the customer service told me ... Where was that ..?
So I can't do internet banking or what ever.
So my life is on hold.
How simple can a large company be.
It is incorrect that the ING scanner must be related to a telephone number, which is not related to anything. The relationship between ING scanner and online banking is the scanning of a so-called QR code that appears on the screen of your PC/laptop/i-pad as extra security.
Installing the ING scanner takes place in a number of steps (8?) and the scanner can only be used with a pin code (6 positions) to secure the use of the ING scanner. You must enter this pin code yourself in one of the steps, otherwise you will have an acute problem. These steps only need to be performed once. It is an interaction between ING scanner and the screen when calling up the ing.nl to activate the ING scanner (is a function in the personal data)
It is correct if you use the ING Bank app that it must be linked to a smartphone no.
If you travel regularly and use a different mobile number (sim-kart) abroad every time, it is wise to opt for an ING scanner, because you can only use the changed SIM card with mobile number at an ING branch (in NL). to adjust. I only use prepaid cards. It is not always possible to keep your original mobile number. Hence my choice for the ING scanner.
The mobile number that you have entered in your personal data is only intended for correspondence purposes. So you have to report your mobile number for the purpose of using the ING Bank app. I do not know how that goes the first time, because I have opted for the ING scanner .
Activating the ING scanner is quite laborious and you really have to do it step by step. I must admit that it caused me quite a bit of stress, because you have to understand the interaction between the specified data from the scanner and the field to be filled in on your PC/laptop/iPad screen, often the field on the PC screen is just not visible and you have to scroll / go down.
The ING scanner comes with an activation instruction that you must execute once.
Since the beginning of this year, ING has already indicated, every time you connect to your ing.nl, that the change (disappearance of the Tan code) was coming, although the end date (September 12) was not visibly indicated. Naturally, ING Bank prefers to use the ING Bank app. they failed to indicate when the ING scanner should preferably be chosen.
But simply waiting for Sinterklaas to bring the ING scanner to your doorstep is a misconception.
Succes
And every time responded to that and didn't wait for Sinterklaas. But without seeing a response from ING.
And so we mess around with the Dutch banks.
Why not just buy a simple smartphone and download the ING app on it. All problems solved in one fell swoop!
I seem to remember that after downloading the app you have to activate it. In my case it was done with a tan code, so I wonder if people in Thailand can just download and activate that app.
i did it and it works.
This is correct. You need a TAN code to activate the app. Which is a bit tricky because you don't receive TAN codes 🙂
What you can do is deactivate payment in my ING. Then the TAN code will be sent to Thailand by post and you can link a telephone number to your bank account.
The code will be sent to your home address, not to your correspondence address. So you must have your correct address in Thailand in MY ING as your home address.
Dear Fritz,
In my "environment" at ING you can easily register your mobile.
These steps are very clearly indicated on your mobile.
These two must communicate with each other in conjunction.
You will not receive a Tan code for this.
It's still a bit messy because ING is changing its interface.
Don't worry', it works well.
If it works 'a kid can do the laundry'.
I can well imagine that changes are not always fun, but done once
it's great.
Perhaps ING can respond to this itself?
Sincerely Tan,
Erwin
Unfortunately ING is a bit sloppy, I received a letter with 1 day in which I have to switch to internet banking because a special code is required. To ING office we have sent you a letter before, unfortunately we did not receive it. Sand post delivery is bad. Now you have to report to the office with a mobile phone and debit card. You will receive a letter with a code at home. Make an appointment ING and then they will help activate it
All this money for using my credit card I never buy anything with debit card internet but I do book tickets. Had a TAN code in the distant past but never used it. We'll see how it turns out, let us know how it works next week.
Another thing stupid there is a man from ING at the door they have a display where you can see how it works I ask can you help no I don't know how it works. How stupid.
I would then take a dual-sim device and 1 prepaid card. I can do internet banking in any country with a free prepaid card.
Nowadays I think you can bank with another from the site of one bank.
I think I've read something like that, but haven't looked into it.
I have an ASN account, which I can only hold in Thailand with a link to an international bank.
Perhaps it would be possible to bank with ING via the ASN site, for example?
But like I said, I read something about it once, but never really looked into it.
I have also read this, but banking, with multiple accounts at different banks, with one bank is still a thing of the future in my opinion.
If you follow the news a bit, you will know that several banks have already been handed out a number of very high fines as a result of not properly checking customers and the resulting money laundering and criminal practices. ING is one of the banks that have been severely punished and ABN-AMRO is also facing a hefty fine of many millions. It is understandable that these banks have become wary of foreign transactions and customers. They are also companies that do not have to accept every customer that cannot earn money, therefore costs money and can entail a great risk. Very understandable from a business point of view. And why not keep a bank from the country where you live.
I don't use that scanner. I don't even own it.
I just took the cheapest NL telephone subscription and pay something like € 6.50 per month.
As a result, I can continue to receive codes from ING.
So that I can transfer money from NL to Thailand.
I do internet banking using the ING app.
Why no pre-paid Sim only ? Costs you 1 time 5 or 10 euros and you will use it for years
At Simyo it can be even cheaper: 4 euros per month. When I go to the Netherlands I can turn on the data via the App. And ING works without a problem.
I don't understand the fuss, as Cornelis said, buy a smartphone here, install the Ing app.
Start transferring money to your Thai bank via the Ing with your laptop or desktop PC. Confirm
the transaction with your Ing app on your smartphone and you're done.
ING will charge 6 euros per transaction, the fine for money laundering must come from somewhere..
Dear Dirk,
I agree 100% with you and Cornelis about (cheap) smartphone and app. Works fine here in Thailand.
However, your last sentence is incorrect. That 6 Euro cost item is not new because transaction costs have been calculated for years. When transferring via the Share option, these will also be shown on your statement. With OUR and BEN, 6 Euro is already deducted from the amount without you seeing those costs. Example: with a transfer of 1.000 Euro, with the SHARE option, 1.000 Euro is transferred and 6 Euro in transaction costs are calculated and displayed. With options OUR and BEN, 994 Euro is transferred and you do not see those costs, but they are there. The Bangkok Bank charges 0,25% transaction costs with a minimum of Thb 250. I don't know what other Thai banks charge. So that 6 Euro in transaction costs was already an existing cost item and therefore absolutely no means of compensating fines for money laundering.
Last month I transferred 2250 euros from my ING bank account to my Bangkok bank account. I always do this (because this turned out to be the cheapest in my experience) via the Ben method (option 3). So costs entirely for the recipient. This is me myself, so I don't burden anyone else with that. With the exchange rate at the time, I should receive 75,551.85 baht minus the costs charged by the BKK bank, because the ING bank does not charge anything according to its own statement. 2250 euros was also debited from my ING bank account and a day later I had an amount of 73,903.11 baht credited to my BKK bank account. (The exchange rate on this day was almost the same as on the shipping day.) A total difference of 1,648.74 baht was 49,10 euros. I wish I had investigated this now, because for such a transaction it is a lot of money, which people appropriate.
I called the customer service of the ING bank (4 euro costs), because emailing is no longer possible and the lady in question told me that there were no costs involved for me???? After all, only 2250 euros had been written off. So all costs for the BKK bank. I went to the Bangkok bank and got a printout with all the details. Of course they calculate with a lower exchange rate than that of the app I use, in this case my app exchange rate 33.57 and their exchange rate 33.24500. I also read on the printout from the BKK bank that I had only received 2229 euros from the Netherlands. 21 euros, so still by ING, withheld costs while this would cost nothing. The BKK bank charges a standard 200 baht (6 euros) fee, which the bank appropriates and the loss of exchange rate. I went through the ING bank rules again and it turned out that costs are indeed incurred by the ING bank for a world payment. This is what they write:
” Costs for this Foreign Payment
Non-EEA country: all currencies
– Shared cost (SHA)
0,1% on the amount (min. € 6,00 and max. € 50,00)
– Our cost (OUR)
0,1% on the amount (min. € 6,00 and max. € 50,00) + € 25,00
– Beneficiary costs (BEN)
ING deducts 0,1% of the amount (minimum € 6,00 and maximum € 50,00) from the amount to be transferred. In addition, the beneficiary's bank charges costs to the beneficiary.
Additional information
Foreign currency exchange rates
The costs of your transfer will be converted into euros. The payment orders are processed at fixed exchange rates.
Exchange rates
Lead time depreciation
5 working days on average, but also depends on the beneficiary's bank”
In my case, therefore, 21 euros extra costs that are not mentioned on the statement.
A distinction is made between banks in the EU and other banks.
It is now no longer a question for me, but one knows why the ING bank was able to pay off its debt to the Dutch state so quickly. On the backs of the account holders. Integrity is hard to find in this industry. It's sad that the world has been made so dependent on these kind of exploiters.
Isn't it clearly stated in the terms and conditions? With BEN, the recipient pays all costs – the fact that you happened to be both sender and recipient at the same time does not change that. I always declare SHA – shared costs – for my transfers. The ING then charges me 6 euros as the sender and the Bangkok Bank simply applies the usual rate. In many cases this is the best solution.
Dear Cornelis, all three shipping options state 0,1% with a minimum of 6 euros and a maximum of 50 euros. I used to do option 2 but this was even more expensive than option three. I've been keeping it for years, this turned out to be the most beneficial.
What is going on ?
I can still transfer money perfectly from ING Belgium from Thailand.
Are the systems different between Belgium and the Netherlands?
Dirk,
Yes, these are two TOTALLY different systems (and therefore apps)
Forced by criminals to all kinds of measures. Security is not always easy. Government regulations are being passed (also to combat crime) as a result of which it is no longer attractive for the banks to have customers abroad. I myself have a fixed monthly amount transferred from my Dutch bank to a bank in my country of residence. Higher than what I need monthly. And if the drone needs to be raised, I will go on holiday to the Netherlands. Works perfectly so far.
ING announced months ago that logging in to MijnING will no longer stop via Tancodes. At that moment you have to anticipate changes that are coming. There is no point in protesting or shouting out of frustration, because that is your own fault. Get a smartphone. Who actually doesn't have such a mobile yet? Download the mobile banking app and enjoy all the convenience of internet banking in the world.
Please note: there will be another change regarding MijnING: after entering your username and password you confirm the login. Do that with the app. Can also be done with the scanner. The extra step is mandatory due to new European rules (PSD2. Now that you know it, you can take advantage of it.
indeed, it was not introduced from one day to the next, well communicated, no more hassle with tan codes, but downloading the app works fine and furious
fast if my money is deposited into my kasikorn account via TransferWise within half an hour arranged with tan this was not possible long live progress
No problems with the ING. They've been warning for months that things are about to change. You really have to do the reading and preparation yourself. Download the app and Cees is done.
Dear Hendrik, then you are in luck. I called and emailed messages via my ING. all did not help. requested the scanner 3x. And if you buy a new phone you have to understand everything. I bought a good phone from Oppo. But afterwards it turns out that you cannot install the app on it. And I've met all the possibilities. Even more than that. They told me that I could continue to pay with Tancodes for the time being. I've used those tooth codes as long as they've been around. Have had no problems. And why, do I have to take an ap on my. If I don't want to buy a new one and just want to use the scanner. And that is, despite requests, mailing. around the problems. Not responded. Look at ING and find out for yourself that it is not properly arranged, And there are many no answers. But you may think that people have stayed in their recliners and thought that it will be fine. Now that's really not the case. The accessibility is very bad. I hope it never hits you.
I use an Oppo A7 phone with a Thai number and it is currently full of useful apps such as, ING bank app, the SNS bank app, my government.nl. my Dutch health insurance, the DigID app and much more. Why does this work for me.
Don't understand why it doesn't work for some. I find it childishly simple; I don't have any problem. Not even with payment via IDEAL. Scanning is done by telephone (via ING app) and everything runs via the internet. I certainly don't feel let down in this regard.
Dear Marc, you write childishly simply.
Maybe for you, but there are also many elderly people living in Thailand like myself who are not of the Millennials generation.
And for many this can be a big problem.
For me, repairing a car or motorbike is child's play for you too.
My stepson is a computer expert and knows all about this and cell phones, but when we were standing by the side of the road last year with my old Mitsh on his way to the airport in CM he was driving and the clutch stopped working.
He stood there with his millennium knowledge and hands and cell phone in his hair. I made sure with some improvisation that we were driving again within fifteen minutes.
And he made it to the plane in time.
I am therefore annoyed that banks in particular take it for granted that they can force anything and everything down people's throats without thinking that many elderly among us have brought the banks up to what they are today with hard work.
Fortunately, I am not a customer of ING, but I have experienced the ABNAMRO affair.
Jan Beute.
I was surprised to read Mr. Fokke's submission and Willc's negative response.
Where does Mr Fokke get the wisdom to say that the Dutch in Thailand have a major problem, and the telephones at ING are ringing?
And how can he claim that the service is bad enough to get the scanner working (as he calls it) if he doesn't have a scanner?
Has it not yet occurred to him that it is also possible that his scanner is sometimes sent to the Thai post
"lost" (which happens quite often) and that he is the proverbial exception.
I am also one of the few who does not own a smartphone.
When ING informed me at the time that they would stop using the Tan codes on paper, I was also immediately reassured by the announcement that a scanner had been devised for our kind of “eccentrics” (just kidding).
I received that scanner well in advance, so that I had enough time to install it.
There was a clear explanation.
When I had doubts about a certain point, I asked via the ING chat whether I interpreted that point correctly, just to be sure. I was spoken to politely and received a clear explanation.
On my first attempt to transfer money to Thailand via the new Tan code system, I had a problem. I called for help again via the chat and was helped nicely again. It turned out that my stupid head had overlooked something.
I want to break a lance for the ladies who do this job.
If you have to listen to some people's nagging all day long and still have to remain friendly.
Friendly yes that is sometimes difficult when I was at ING so busy because the scanner did not work.
And on the phone some are friendly and others will tell me what to do with my money if I request a large amount what do you need it for. I tell go shopping you know man wouldn't know it's my money. Or your current account is very high, you do not want to save.
Last one was so cheeky who said over the phone you spent too much money this month.
I decide that myself, I've never been in the red in my life.
Totally agree with your comment. ING may have already informed its customers of the upcoming changes in 2018. After that I regularly received letters about the changes. I also regularly received an email about this in my ING. I ordered a scanner and received it at home (Thailand) within 10 days. Installing is child's play and it works fine.
Fokke should perhaps check his address details. Because the address details in Thailand are quite long, important details are sometimes omitted by Dutch authorities. This is my personal experience.
@Ruud NK, already ordered 2x scanner and received nothing so far. First time early this year. Profile says requested and you are using a tan list. Chat says call ING. Suggestions?
Yes, just like Cornelis, I downloaded the App and just transferred money from my ING account to the Bangkok Bank. Costs receiver, so I am myself, and the money was here on my rack within 2 days. It used to take 4 days.
Long live the ING App
To transfer money from the ING to my account at Bangkok Bank, I have to use My ING on the website to give the transfer order, after which I have to confirm the transfer with the app. The app does not allow you – at least not me – to enter foreign transfer orders. Often in Thailand the next day, excellent service.
That's right, you cannot transfer money to Thailand with your phone app, because the option abroad payment is not available there. So log in via the computer internet banking and then confirm with the app.
Dirk,
ING has been charging that 6 euros for many years.
True, but you have to opt for cost sharing otherwise the costs can rise sharply.
My mother has installed the ING app on her tablet and uses the tablet's camera as a scanner. That's a great combination with Mijn ING on her laptop. She has no smartphone and no mobile number/simcard on the tablet.
Please understand that it is difficult for a bank to be “safe”. Last month I received a message that if I don't use my debit card, which I never do since I live in Thailand, I can get a discount on my Orange package. As of 1-10-2019. It is also written how to do this, very easily via My ING.
However, I have to do that in the Netherlands at an ING branch, with a valid proof of identity. However, I do not intend to go to the Netherlands for that. So I can forget about that discount. A joke in this modern digital age.
ING may want you to use a smartphone, but this means that you are responsible for security. Maybe there are other things on that smart phone?
So not safer.
So I ordered the scanner from ING. At the first attempt to make a transfer, I entered the wrong PIN and received a message on the scanner that the transfer had failed. So again with correct PIN.
It turns out: amount 2x debited (transfer of 199 euros to Germany) Called ING: 3x:
too bad, nothing to do / our mistake you get email (not coming) / too bad nothing to do - luckily email to supplier helped.
I think it's too dangerous to use a smart phone for transfers, so I have to take a scanner with me when I travel.
Other foreign banks have better systems.
But who are you? Still just a customer. Just wait until something comes from ING again.
Oh yes, if you want to transfer 6000 euros once, then they want to be careful that you are not laundering
Dear LE Bosch, to my knowledge I have never paid 6 euros for a world payment received or sent at Ing. You will probably use internet banking with Ing, otherwise you would not respond.
Then take a look in your message box for a message from Ing September 1, 2019, in which they announce quality improvement regarding world payments and also introduce a flat rate of six euros for received and sent world payments. As with visa discussions and now money matters, the facts are often overlooked, sometimes creating more confusion than reality.
Dear Dirk, see my previous response in addition to RNO and it is a minimum amount of 6 euros and can go up to 50 euros depending on the country and the amount of money (0,1%). In my case, 21 euros were debited last month, but none of these costs are mentioned on the transfer list. In fact, they say that this does not cost if you send the BEN way. It turned out that instead of 2250 euros, the ING bank had only sent 2229 euros to my bank in Thailand. The ING customer service could not inform me about this, they were not aware of their own rules.
Dear Dirk,
Read RNO's response carefully!
Then I don't have to explain it again.
My husband doesn't want a smartphone. Can't handle that either. We received the scanner with many problems. If he wants to transfer something, they send the code to my mobile phone. So when I'm gone I get the text message on my phone. customer service very inexperienced. She told me that the tancode could be done until April.
Isn't it time for Bunq I wonder if another internet bank just doesn't have this bullshit.
Can't access your money? There is another such thing as an ATM that there are plenty of in Thailand. In a minute you have an amount of money in your hands. Also costs a bit but you have your money. I don't use anything else anyway. 1x sometimes 2x a month to the ATM and go have money for a month.
I only reported my experiences. And through the chat it took a very long time before I received an unclear answer to some questions. You really don't have to defend the ladies and gentlemen who work on the chat and facebook, some are fantastic, great and unfortunately some are not. And that is sad but true. I give everyone their own opinion. And I don't want to add anything else. If only everyone can read it in the way they want. So yesterday evening I was lucky and got an answer from a nice, fantastic, attentive lady and I got a little further with that. And those messages from Thailand are full of ATM machines. Now that's something I didn't know yet. But does your card have to work and sometimes you are unlucky and it doesn't work. and then you call a certain telephone number in the Netherlands and they transfer a maximum of 2000 euros to you via a border exchange office. and there you go to a bank and give the code and you get the money. But the point is that I contacted ING early enough and inquired about the scanner and was informed not to worry. They wouldn't stop until everyone had the app or scanner. I won't waste more words because many people don't have reading comprehension. And take a look at the ING site and comments about the great finishing of the problems with receiving the scanner. of the ING. All the best. I'm now waiting to receive my scanner. And I don't want an app on my phone to transfer money. Very bad experiences in my circle of friends. And I don't respond anymore. Because there is a lot of dredging in it.
Many, like me, use Transferwise.
Fast and efficient.
Knowing the costs in advance, transparent enough.
Of course you have to be able to handle this system.
Just like transferring money from NL to Thailand.
Not everyone is a nerd when it comes to the internet and everything related to it.
Constant changes, not always improvements, cause the necessary stress or the inability to follow the many changes.
What is logical and self-evident to me may be hocus pocus to someone else.
Some understanding and some clear explanation can help here.
What apparently not everyone knows yet: those friendly ladies and gentlemen are simply in a call center and they work for ING, but also for an insurance company, for example. If it becomes too difficult and the answers are not on their list, they ask a 'real' ING employee. He usually gets rid of it quickly.
Chat: largely automated. Rarely a real person.
The point is that a service company puts you to work and sometimes costs you.
You don't know if it was really necessary (so no)
ING simply lied that so many customers had already switched and thus took on all responsibility.
Sure enough, many stank in it and proudly reported how well it went. Did it go well rather than not?
Some foreign banks have a simple system: first register your beneficiary in a separate secure procedure. This is then known to you and the bank. Always phone when checking. Works.
Take an account with BUNQ, everything digitally via an app. Transferring money to Thailand goes with BUNQ via Transferwise. Excellent rates, very low costs and within 24 hours in Thailand. All payments through the app. Couldn't be simpler.
You can pay with the card almost anywhere in Thailand, without costs and the same low rate.
No, I am not a shareholder, just a satisfied user.
I have the scanner and got the PIN wrong. It was now 5 digits instead of 4. I had suddenly forgotten that.
So had to create a new PIN code.
this can be done very conveniently with the scanner and …..unbelievable but true, with a TAN code.