Buy Bitcoin with ING Netherlands

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & DNB registers · How we verify · Report an error

Crypto-friendly. iDEAL and SEPA to exchanges generally allowed.

Crypto Compatibility Score: 87/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts
  • Crypto policy: Crypto-friendly (+5)

Supported payment methods: ideal, sepa, sepa-instant

Last verified:

Top Exchanges for ING Netherlands

Step-by-step guide to buying Bitcoin with ING Netherlands

ING Netherlands customers typically buy Bitcoin by funding an exchange using iDEAL or SEPA from the ING Mobiel Bankieren app.

  1. Pick an exchange that supports iDEAL
    Choose a platform that operates in the Netherlands and offers iDEAL deposits. Confirm it is properly registered before you deposit.
  2. Create your account and lock down security
    Sign up with your email, use a long password, and enable two factor authentication straight away. This reduces withdrawal and login friction later.
  3. Complete verification once, properly
    Upload a government ID and follow the selfie and liveness checks. Use the same legal name as your ING account to avoid deposit or withdrawal name mismatch reviews.
  4. Choose your funding rail
    For most Dutch users, iDEAL is the cleanest first deposit because you approve it inside the ING Mobiel Bankieren app. Use SEPA over iDEAL when you need larger transfers, a recurring deposit, or a clearer paper trail.
  5. Deposit using iDEAL through ING Mobiel Bankieren
    In the exchange deposit screen, select iDEAL, choose ING, and you will be redirected to approve the payment. Confirm the amount and beneficiary details in the ING app, then authorise the payment.
  6. If using SEPA, copy the beneficiary details exactly
    Use Mijn ING or the ING Mobiel Bankieren app to send a SEPA overboeking to the exchange IBAN. Copy the beneficiary name and payment reference exactly as shown, because the reference is how many platforms match your deposit.
  7. Wait for funds to credit
    iDEAL deposits are often credited quickly once approved. SEPA timing depends on the destination bank and cut off times, and first time payees can take longer if extra checks kick in.
  8. Buy Bitcoin and consider self custody
    Once your balance is available, open the buy or trade screen, enter the amount, review fees and the final quote, then confirm. If you are holding long term, move Bitcoin to a personal wallet so you control the keys.

Frequently Asked Questions

Can you buy Bitcoin with ING Netherlands?

Yes, but not inside ING. ING does not offer spot Bitcoin buying in the bank app, so the normal route is funding a crypto platform with iDEAL (when offered) or a SEPA bank transfer, then placing the order there. ING has tightened default daily limits for app payments and transfers, so if a deposit fails, check your day limit first and only then try again. For bigger deposits, request a limit increase in-app, but expect a delay before the higher limit becomes active.

What is the best way to fund a crypto exchange from ING, iDEAL or SEPA transfer?

If the platform supports iDEAL, it is often the quickest for euro top ups. SEPA transfers are the better fallback when iDEAL is not available or when you want a clearer beneficiary and reference trail for compliance. The key detail with ING is that both transfers and iDEAL payments can sit under the same daily limit, so your limit can be the real bottleneck, not the exchange.

Why did ING pause or stop my first crypto related transfer?

ING treats first time payments and unusual patterns as higher risk, especially when scams are common. If you are increasing your daily limit and then trying to send funds right away, ING applies a waiting period before the higher limit is usable, specifically to reduce phone scam losses. If you suspect you were pressured into making the transfer, stop and contact the bank rather than retrying.

What is ING's daily limit for transfers and iDEAL payments, and can I change it?

ING lowered the default daily limit in the Mobile Banking app for transfers and iDEAL payments, and it can be adjusted in the app. ING also states there is a maximum daily limit you can raise it to, and changes are not always immediate. If you are planning a larger exchange deposit, change the limit early, then do a small test payment before sending the full amount.

How long does it take for an ING limit increase to become active?

ING applies a waiting period after you request a higher day limit. ING introduced this delay to reduce losses from spoofing and other phone scams where criminals push people to raise limits and send money quickly. Plan around the delay, especially if you are trying to fund an account the same day.

What daily limit range should ING users plan around for crypto deposits?

ING's public updates point to a lower default daily limit in-app, with the ability to increase it up to a defined maximum. If your deposit amount is close to the limit, expect friction, especially if you already used part of the limit for other transfers or iDEAL payments that day. The clean pattern is one small test payment, then one larger payment after you know your limit headroom is sufficient.

Evidence & Verification

This page references 4 sources: 192046 Ing Verlaagt, 192743 Wachttijd Limietverhoging, Uitspraak 2024 0170.pdf. Information was compiled from official sources and user reports.

Sources:

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Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.