How to transfer a large amount of money with ING AU in 2025

Money know-howRemittance
20 May 2025
3 mins read
Written by

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:

  1. Sign up or log into your ING online banking account or mobile app.
  2. Navigate to the ‘Payments’ section and select ‘Pay Anyone’.
  3. Enter the transfer details, including the recipient’s information and amount.
  4. Verify your identity if required for high-value transactions.
  5. 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 MethodETA
Pay Anyone (Domestic)Same day to 1 business day
Osko®/NPP PaymentsNear-instantaneous
Visa Debit Card PurchasesImmediate

What’s the maximum transfer limit with ING AU?

Transfer MethodCitibank AU Maximum Transfer Limit
Pay Anyone (Domestic)Up to AUD 20,000 per day
Osko®/NPP PaymentsAUD 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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Sources


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.

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Instarem stands at the forefront of international money transfer services, facilitating fast and secure transactions for both individuals and businesses. Our platform offers competitive exchange rates for popular currency pairs like USD to INR, SGD to INR, and AUD to INR. If you're looking to send money to India or transfer funds to any of 60+ global destinations, Instarem makes it easy for you. We are dedicated to simplifying cross-border payments, providing cutting-edge technology that support individuals and businesses alike in overcoming traditional fiscal barriers normally associated with banks. As a trusted and regulated brand under the umbrella of the Fintech Unicorn Nium Pte. Ltd., and its international subsidiaries, Instarem is your go-to for reliable global financial exchanges. Learn more about Instarem.

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