ING Online Banking

You can track the details and activities of your Overdraft Account through Online Banking Accounts menu, My Accounts step.

Yes. You can create a new record by selecting “Quick Money Transfer” option through the Online Banking EFT/Money Transfer menu, Money Transfer Transactions step and clicking on the “Add Record” button.

You can view the transactions you have made after the credit card statement closing date by selecting the “Current Cycle Transactions” option through the Cards menu, Credit Card Information step.

If you don't have the account information of the person to whom you want to make a money transfer, but know his/her card number, you can use the 'money transfer to card' transaction step.

First, select the account from which you want to send money. Enter the number of the card to which you will make a money transfer. After seeing the recipient's name and surname, enter the amount you want to send and complete your transaction.

You can view your past account activities through the Accounts menu, My Accounts step. Through Online Banking, you can only view your account activities within the last 1 year. For your account activities that are older than 1 year, you can contact our nearest branch.

You can make a payment by selecting “Other ING Credit Card” option through the Online Banking Cards menu, Credit Card Debt Payment step, and entering the 16-digit number of the card you want to pay.

When you log in to Online Banking for the first time, you will be asked to determine your transaction limits. To change these limits later on, your can use Security / PIN Transactions menu, Online Banking Limit Transactions step. When changing your limits, you must enter your Online Banking password.

You can perform EFT transactions through Online Banking between the hours of 09:00 – 17:15 on weekdays, within the specified limits. The maximum EFT limit is 100.000 TL between the hours of 09:00 – 16:00, and 25.000 TL for “Late EFT” between the hours of 16:00 – 17:15.

If you get disconnected or experience a problem with your computer before getting the message that says “Your transaction has been successfully completed.”, you can call 0850 222 0 600 Telephone Banking to find out the status of your transaction.

To download the User Manual of Corporate Online Banking, please click here.

With the notification feature on iPhone, iPad, Android and certain BlackBerry devices, you can automatically log in to Online Banking with Mobile PIN. To take advantage of this facility, you must confirm the message that says “ING Mobile wants to send you notifications” when downloading the ING Mobile application.

If you reply “Yes” to the notifications that will be sent when logging in to Online Banking, Mobile PIN will be automatically entered into the system, and if your reply “No”, your active Online Banking session will end.

If you have activated the ING Mobile application on more than one device, the notifications will be sent to each device, and your Yes/No selection will be detected by all your devices.

No.

You can submit your request to cancel/change the EFT/Money Transfer transaction you have performed through Online Banking by calling 0850 222 0 600 Telephone Banking. To cancel/change the EFT/Money Transfer transaction you have performed through our branches, you can submit your request through our branches.

The lower limit for opening a TL current account through Online Banking is 5.000 TL, and there is no upper limit. However, for current accounts opened with a balance of more than 100.000 TL, plus one day value price is applied.

Phishing is an e-fraud method that scammers try to acquire your credit card / cash card number, PIN's and personal information by using methods such as e-mail spoofing.

ING Bank never requests your card, PIN and personal information by e-mail. If you receive a suspicious e-mail, please immediately call 0850 222 0 600 Telephone Banking.

To increase the security of your Online Banking transactions, you can take advantage of additional security features we have developed.

Date/Time Restriction

• You can determine the days and time interval that Online Banking login will be allowed, and restrict login in the time interval you want.
• It is available for both our individual and corporate customers.
• You can set it yourself through the Online Banking Security / PIN Transactions menu, Security Transactions step.
• You can cancel the restrictions through 0850 222 0 600 Telephone Banking or our nearest branch.

IP Restriction

• You can determine the static IP or IP Range that you will use when logging in to Online Banking, thus restrict access from other IP numbers.
• It is available for both our individual and corporate customers.
• You can set it yourself through the Online Banking Security / PIN Transactions menu, Security Transactions step.
• You can cancel the restrictions through 0850 222 0 600 Telephone Banking or our nearest branch.

Account Restriction
If you are an individual customer;

• You can restrict viewing and transactions on Online Banking for the accounts you select.
• You can set it yourself through the Online Banking Security / PIN Transactions menu, Security Transactions step.
• You can cancel the restrictions through 0850 222 0 600 Telephone Banking or our nearest branch.
• You can also set a restriction for only viewing on Online Banking.
• You can set and cancel your “Account Restriction” through our nearest branch.

Authorization Setting

• You can set authorizations for Online Banking by selecting one of the 4 levels:


• Users with Full Authorization: They can perform all monetary transactions without any restrictions.
• Users with Multi-Authorization: They can perform all monetary transactions, however can only perform Quick EFT / Money Transfer and Money Transfer to My Own Account transactions through the EFT / Money Transfer menus. Other EFT / Money Transfer menus are closed for these users.
• Users with Limited Authorization: They can only use Online Banking to get information and perform Quick EFT / Money Transfer and Money Transfer to My Own Account transactions. Investment Transactions, Bill Payments and all other monetary transaction menus are closed for these users.
• Users with No Authorization: They can only use Online Banking to get information. EFT / Money Transfer, Investment Transactions, Bill Payments and all other monetary transaction menus are closed for these users.
• Channels through which you can set authorizations:
  
  • Online Banking: Authorization setting, and limiting authorization for individual customers through the Security / PIN Transactions menu, Security Transactions step.
  • 0850 222 0 600 Telephone Banking: Limiting and expanding authorization for individual customers, adding and removing Quick EFT / Money Transfer transactions.
  • ING Bank Branches: Limiting and expanding authorization for both individual and corporate customers, adding and removing Quick EFT / Money Transfer transactions.
• The users' Quick EFT / Money Transfer list is maintained in transactions for limiting and expanding authorization.
• Authorization setting for individual customers is only valid for Online Banking. You can perform all transactions through 0850 222 0 600 Telephone Banking without any restrictions.

For the IP Restriction transaction, you can use the Security / PIN Transactions menu, Security Transactions step. Our individual customers can cancel the IP Restriction through 0850 222 0 600 Telephone Banking or our branches. Our corporate customers can cancel the IP Restriction only through our branches.

To ensure the security of the transactions you perform through Online Banking, we take many precautions:

• With the “Single-use PIN” system, we ensure the security of your Online Banking logins.
• We provide the option to set transaction limits for EFT/Money Transfer transaction.
• With additional security implementations, we increase your control over Online Banking. For detailed information about these measures, please click here.
• If you enter your Online Banking PIN incorrectly for 3 consecutive times, we automatically block your PIN. You can get your new PIN only through 0850 222 0 600 Telephone Banking or our nearest branch.
• With the “Warning System”, when your personal information is changed or a money transfer is made with an amount above your specified lower limit amount through Online Banking, 0850 222 0 600 Telephone Banking or our branches, we inform you by sending a message to your registered mobile phone and e-mail address.
• We use a secure connection. Online Banking opens as a secure HTTPS site, rather than a standard HTTP site. When using the HTTPS protocol, a padlock icon appears on your browser. When you double click on this icon, “esube.ingbank.com.tr” address must be displayed in the “title field” in the certificate window.
• To prevent external attacks, we continually upgrade our technology.
• We use 128 bit encrypted security program on Online Banking. In addition to the encryption on the browser, we use encryption in the server as well to increase the level of security.

To find out what you can do for secure Online Banking, click here.

1. Avoid using PIN's that can be easily guessed. Do not share your PIN's with anyone including our bank's personnel. Enter your PIN by using the virtual keypad.
2. To access Online Banking, type www.ingbank.com.tr in the address bar of your browser and click the Individual or Corporate button in the upper right corner. Do not enter your PIN by clicking the link in any e-mail or another website.
3. When you log in to Online Banking, check whether or not the address is “https://”. The letter “s” at the end of “https://” and the locked padlock symbol on your internet browser shows that the page is secure. In suspicious situations, double click the locked padlock icon and check whether or not “www.ingbank.com.tr” address appears in the certificate that opens up.
4. When ending your Online Banking session, always use the “Log out” button.
5. Determine your daily transaction limits.
6. Do not provide the information requested by e-mail, even if it it includes the ING Bank name and logo. Transactions regarding your personal information or PIN are never performed by e-mail. If you encounter such a case, please call 0850 222 0 600 Telephone Banking immediately.
7. . When you log in to Online Banking, check the “Last Login” information that appears on the first screen that comes up. If you see that the last login was not performed by you, please call 0850 222 0 600 Telephone Banking immediately.
8. Take advantage of our additional security features such as Date/Time restriction, IP Restriction, Account Restriction and Authorization Restriction. For detailed information about these features, please click here.
9. Do not log in to Online Banking from publicly accessible computers such as an Internet Cafe. As publicly accessible computers may contain many viruses and spyware, your passwords are prone to be acquired by third parties.
10. Protect your computer against viruses, trojans and spyware. For this:

• Make sure to install an anti-virus program and regularly update it. Be careful when opening your e-mails. Scan your e-mails with anti-virus software, especially the ones sent as unsolicited bulk emails or sent by people you don't know.
• Make sure to use Anti-trojan, Anti-spyware and Firewall to have protection against trojans and spyware that install themselves on computers to gather information and send it to third parties.
• Install a good internet security program on your computer, update it regularly and make sure that it is activated. This program continuously checks for spyware in all the activities carried out on your computer.
• Keep the operating system of your computer up-to-date.
• Do not install programs/files from websites that are not secure, and do not run/open these programs/files.
• Use licensed programs.

Phishing is an e-fraud method that scammers try to acquire your credit card / cash card number, PIN's and personal information by using methods such as e-mail spoofing.

ING Bank never requests your card, PIN and personal information by e-mail. If you receive a suspicious e-mail, please immediately call 0850 222 0 600 Telephone Banking.

If you have an ING Credit Card or ING Cash Card, you can securely get your Online Banking user code and PIN with Instant PIN.

To take advantage of Instant PIN, your phone number registered in our system must be up-to-date. To update your mobile phone number, you can visit our nearest branch.

If you don't have a card, you can get your user code and PIN by calling 0850 222 0 600 Telephone Banking and dialing 2 and 2.

You can determine your credit card PIN by selecting “Credit Card PIN Setup” option through the Security / PIN Transactions menu, PIN Transactions step.

You can change your password by selecting the “Internet/Mobile Banking PIN Change” option through the Online Banking Security / PIN Transactions menu, PIN Transactions step. For the security of our customers, the Online Banking PIN must be changed every three months.

Mobile PIN is a single-use PIN generator which you can download to your mobile phone or iPad. It can be used on iPhone, iPad, iPod Touch, Blackberry and Android mobile devices that support Java.

• To use Mobile PIN, you can follow the directions in the Mobile PIN menu on ING Mobile, or Online Banking Security / PIN Transactions menu, Mobile PIN step.

• If you are using Mobile PIN and have internet connection on your mobile phone when logging in to Online Banking, you don't have to type your single-use PIN. After entering your user name and PIN on the computer screen, you can automatically enter your single-use PIN to the system by replying “Yes” to the notification that will be displayed on the screen with the notification feature of your phone. If you don't have internet connection on your mobile phone, you can complete your login by entering the 6-digit PIN generated by Mobile PIN in the “PIN” field on Online Banking.

 *Automatic login with the notification feature can be used on iPhone, iPad, Android devices and certain Blackberry devices. When downloading the ING Mobile application, customers must confirm the message that says “ING Mobile wants to send you notifications”.
 **In the case that your mobile phone which you have installed Mobile PIN is lost, stolen, or malfunctioning, you must contact 0850 222 0 600 Telephone Banking or your branch as soon as possible.

In the case that you forget your Online Banking user code/PIN, you can get it by calling 0 850 222 0 600 Telephone Banking and dialing 2 and 2.

If you are getting your user code for the first time, you must contact your branch. If you own an ING Card, you can easily get your PIN with Instant PIN. If you don't have a card, you can get your PIN by calling 0850 222 0 600 Telephone Banking and dialing 2 and 2.

Passwords generated by mobile password application are unique for you and disposable using secure encryption techniques such as passwords generated by token device. Token device is same as mobile password application served by a seperate device. You don’t need to carry another token device by using mobile password application. You can securely login to online banking just using your smart phones with mobile password application.

Please click here to download the mobile pin user guide.

To ensure the highest level of security in your Online Banking logins, we employ a single-use PIN system that defuses phishing programs such as keyloggers and screen loggers. In this system, a different single-use PIN is generated for your each login to Online Banking. Upon using the PIN once, it cannot be used again.

Our individual customers can generate their single-use PIN's with Mobile PIN, or use SMS PIN. Our corporate customers can use OTP Token PIN.

No, you can't. SMS PIN is a systematic security step exclusive only to that transaction.

Your user code is permanent and cannot be changed.