Key Takeaways
Subject in one line
This article is about one payment made from an ING account to Wise using iDEAL. It explains the lines in the record and how to check them safely.
The facts that matter
The record shows 515.12 euros sent to Wise. It lists a Dutch IBAN for the recipient, the sending account, a transaction number, a short description, and the moment of payment: 17 May 2025, 18:27 (Amsterdam).
How iDEAL fits
iDEAL lets the payer approve a bank transfer inside their own bank screen. Money moves account-to-account; no card details on a shop page. [1][3]
Safety first
ING’s guidance says staff will never ask for usernames, passwords, activation codes, or SMS codes. Log in only via trusted paths. Do not use links in messages. [2][4][5]
The real check
Designs can be copied. The strong test is to open the official ING app or website and see if the payment appears there. If doubts remain, use ING’s fraud contacts. [4][6]
Story & Details
What the record tells
A payment leaves an ING account. The recipient line says Wise with a Dutch IBAN that starts with NL04. Amount, name, and IBAN together show a bank transfer, often used to add money to a Wise balance or to start an international payout later through Wise. Wise explains that an incoming bank transfer must include the right reference so the funds land in the correct place. [7][8]
Line by line
Below the amount and recipient, the record lists the date and time, the sending account, a long transaction number, and a short description. The transaction number helps the bank find this exact transfer. The description helps Wise match the money to a balance or onward transfer. Wise’s help pages stress getting these details right to avoid delays. [7][8][9]
Where iDEAL sits in the flow
The payment is marked as iDEAL. With iDEAL, the payer picks their bank, checks the details in the secure banking screen, and approves there. The money then moves at once from the ING account to the Wise account. iDEAL’s own pages and updates describe this path and the newer central payment page that speeds it up. [1][3]
Why looks can lie
Logos and layouts can be faked. That is why banks and experts put the focus on one habit: confirm payments only inside official banking channels. If anything looks off, call the numbers on ING’s site, not those in a message. ING’s safe-banking pages explain how to spot and report scams. [2][4][5][6]
Wise after the hand-off
Wise is a large payment service for holding balances and sending money abroad. After Wise receives euros, it can convert and forward funds to another account or keep them in a euro balance. Its help centre explains payment options from a bank and common fixes when a transfer does not match cleanly. [7][8][9]
If the payment is not recognised
Open the ING app or site directly. Check recent transactions. If the payment appears but seems wrong, use the fraud pages and phone lines listed on ING’s site. If it does not appear, treat the record with care and still contact ING using the official routes. Wise’s help pages show next steps if a bank transfer was sent with errors or without the right reference. [4][6][7][9]
Conclusions
A small record, clear lessons
This one transfer—ING to Wise via iDEAL—shows the basics of modern online payments: clear parties, a strong approval step, and traceable codes. Read the lines slowly. Trust the bank’s own view of your account. When doubts appear, go to official channels. Simple habits stop most tricks.
Selected References
[1] iDEAL — What is iDEAL (official). https://ideal.nl/en/wat-is-ideal
[2] ING — Protect yourself against phishing. https://www.ing.nl/en/bank/safe-banking/protect-yourself-against-phishing
[3] iDEAL — The new iDEAL (official update). https://ideal.nl/en/the-new-ideal
[4] ING — Secure banking hub. https://www.ing.nl/en/bank/safe-banking
[5] ING — What is phishing. https://www.ing.nl/en/bank/safe-banking/types-of-fraud-and-scam/what-is-phishing
[6] ING — Report fraud, scam, phishing, loss or theft. https://www.ing.nl/en/bank/safe-banking/report-fraud
[7] Wise — How to pay by bank transfer. https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer
[8] Wise — Paying with Simple bank transfer. https://wise.com/help/articles/4JYEgXOLVD2yMRFh4ntqwd/paying-with-simple-bank-transfer
[9] Wise — Problems paying by bank transfer. https://wise.com/help/articles/2968910/problems-paying-by-bank-transfer
[10] ING Nederland (YouTube) — Paying online with iDEAL on your computer (official channel). https://www.youtube.com/watch?v=atZvo0aiGvg
Appendix
IBAN
A standard international format for bank accounts. It combines a country code, bank code, and account number so banks can route money correctly.
iDEAL
A Dutch online method that lets people approve payments inside their own bank’s secure app or website, moving money straight from account to account.
ING
A major Dutch bank. Its public “safe banking” pages explain common fraud risks and what to do when something looks wrong.
Online banking
Managing accounts through a bank app or website: checking balances, viewing transactions, sending money, and changing security settings.
Online payment record
A short summary that shows date and time, amount, sender account, recipient name and IBAN, a transaction reference, and a brief description.
Transaction reference
A unique code that lets bank and payment staff find one exact transfer in their systems when support is needed.
Wise
A global payment service for holding money in different currencies and sending it to bank accounts worldwide, often with clear fees and mid-market exchange rates.
My Diary - Leonardo Cardillo 