How to transfer a large amount of money with ING AU in 2025
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Transferring large sums domestically can be straightforward with ING Australia, thanks to flexible transfer limits and robust security features.
However, it’s important to note that ING Australia does not support outgoing international transfers. For international transactions, customers are advised to use third-party services.
What are the limits for large money transfers with ING AU?
ING Australia sets default daily limits for various transaction types:
- Pay Anyone Transfers: Standard limit is AUD 5,000 per day. Customers can increase this limit up to AUD 20,000 per day via online banking or the ING app. For one-off transfers exceeding this amount, it’s recommended to contact ING directly.
- Osko®/NPP Payments: Capped at AUD 5,000 per day per account. This limit is fixed and cannot be increased.
- Visa Debit Card Purchases (Including Apple Pay): Up to AUD 50,000 per day per account.
To adjust your Pay Anyone daily limit:
- Via ING App: Log in, select the account, tap Manage > Change account limit, choose the new limit, and save.
- Via Online Banking: Log in, navigate to Manage Accounts > Account limits, select the account, set the new limit, and save.
Is ING AU safe for large transfers?
Yes, ING Australia employs multiple security measures to protect your funds during large transfers. These include multi-factor authentication (MFA), 24/7 fraud monitoring, and secure encryption protocols.
Additionally, ING provides guidelines to help you protect your access cards and security codes.
How to make large transfers with ING AU?
Here’s a step-by-step guide to making a large domestic transfer with ING Australia:
- Sign up or log into your ING online banking account or mobile app.
- Navigate to the ‘Payments’ section and select ‘Pay Anyone’.
- Enter the transfer details, including the recipient’s information and amount.
- Verify your identity if required for high-value transactions.
- Confirm and send. Track your transfer in real-time through the ING app or website.
How long do large transfers take with ING AU?
| Transfer Method | ETA |
|---|---|
| Pay Anyone (Domestic) | Same day to 1 business day |
| Osko®/NPP Payments | Near-instantaneous |
| Visa Debit Card Purchases | Immediate |
What’s the maximum transfer limit with ING AU?
| Transfer Method | Citibank AU Maximum Transfer Limit |
|---|---|
| Pay Anyone (Domestic) | Up to AUD 20,000 per day |
| Osko®/NPP Payments | AUD 5,000 per day per account |
| Online Banking (Citigold Accounts) | AUD 50,000 per day per account |
Why is Instarem a better choice for large money transfers?
- Exclusive discounts for large transfers – more money where it matters
- Fast, secure transfers you can trust
- Track your transfer every step of the way
- Personalised support from our dedicated large transfers team
- Extended rate lock-in for added peace of mind
Make large money transfers with Instarem
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The information provided is for general guidance only and may vary based on your location and transaction details. Please check ING AU official website for the latest policies and limits.
