Transfer money from one person to another in Luxembourg, Belgium and the Netherlands

Pay online and in apps

Pay in restaurants and stores

Receive or request money

Pay personal bills

Simple, quick and convenient


What is ING Payconiq?

With ING Payconiq, you can use your smartphone to transfer money directly from your current account, whether it’s to pay for your groceries at your local shop, your online shopping spree, or a bus ticket. You can even send money to your friend or pay your bills with the push of a few buttons.

  • Send money simply with the mobile phone number to your recipients: the money transfer is completed by bank remittance from your account to the recipient’s account.
  • In order to pay at a merchant or at a participating establishment, just scan the Payconiq QR Code on the bill and validate: paying couldn’t be easier!
  • Scan the Digicash by Payconiq QR Code to pay your bills in 6 seconds flat: you no longer need to enter the reference, amount or recipient of the bill.
  • For e-commerce sites, simply scan the Payconiq QR Code to pay; in apps, choose ING Payconiq as a payment method: simplicity and security guaranteed!
  • If you have a Visa credit card from ING Luxembourg, you’ll benefit from the same insurance cover associated with your Visa card every time you use ING Payconiq.
  • When it comes to protecting your bank details, ING Payconiq adheres to the highest industry standards. You’ll further benefit from a securitised connection linking the app to your account via your LuxTrust mean of connection. 
  • All you have to do is download the free ING Payconiq app from the App Store or Google Play and use your LuxTrust mean of connection to set up a connection with your current account.

ING Payconiq

The change from Digicash to Payconiq is due to a technical migration. Both apps allow you to pay using your smartphone (payments to one of your contacts, a merchant, etc.), but they work slightly differently. ING has migrated its Digicash app to the new ING Payconiq app, and all local banks will soon also switch to Payconiq.

You can hide or show your account balance with a simple hand gesture. Activate this feature via your profile (top right button), Settings, "Keep your balance private".


Payconiq and My ING are currently still two separate apps, although the aim is to combine them in a single app to simplify your payments. We will tell you more very soon!

Payconiq now allows you to pay contacts in BeNeLux, so they need to be registered with international prefixes (+352, +32, etc.) to be visible. Also check that you only have one number saved per contact.

Ask the person to send you a payment request via a QR code: “Payments” - “Payconiq” - “Request a payment”.

Payconiq and My ING are currently still two separate apps, although the aim is to combine them in a single app to simplify your payments. You will currently find the payment history in My ING. You can use the “search” function by entering the keyword “Payconiq”. 

Some merchants have not yet migrated their codes to Payconiq. Feel free to refer them to our help desk: You could also check that you have authorised the app to use your camera (go to your phone settings).

You cannot schedule payments. They are made as soon as you confirm them. 

Yes, all you have to do is download the free ING Payconiq app from the App Store or Google Play by using your LuxTrust mean of connection (Token or Mobile) to set up a connection with your current account.

Use Payconiq step by step

Download the ING Payconiq app and link your telephone number* to your ING account by using your LuxTrust ID.

*You must link your telephone number to your ING account to be visible and to see your contacts in the app. 

It depends since each Payconiq account is associated with a phone number and a bank account to receive payments. If you only have one phone number and you already use Payconiq via the app of another bank in Luxembourg, you must first dissociate your telephone number from your Payconiq account with the other bank. You will then be able to activate and link Payconiq to your ING accounts.

Check that telephone numbers that are not visible are registered with a prefix (+352, +33 or +32)*, and that there is only one number per contact. Your contact must also have finalised registration of their telephone number with one of their accounts to be visible. If no contacts appear in the list, the app may not be authorised to access your contact list. See next question to check this.

*Payconiq allows you to send payments to BeNeLux, so you need to register your contacts with international prefixes (+352, +33 or +32, etc.) for them to be visible.

For  iPhone, go to :

  1. Settings
  2. > Confidentiality
  3.  > Contacts 
  4. Click on ING Payconiq to allow the access to your contacts

Do the same operation for the camera.

For Android, go to :

  1. Settings 
  2. > Apps 
  3. > ING Payconiq 
  4. > Permissions 
  5. Allow Contacts and Camera for the app (these steps may vary slightly depending on your smartphone)

Note: Payconiq must be able to access your contacts and your camera. Your contact list is only accessed to check contacts already known to Payconiq and therefore eligible to receive payments. No data is recorded during that action. 

In case of other interrogations

If you encounter a problem, first try uninstalling and then reinstalling the app. 

You can contact our help desk colleagues using the email address or by telephone on +352 44 99 1.

Download the ING Payconiq app

Download the ING Payconiq app from the App Store or Google Play and install it by using your LuxTrust mean of connection (Token or LuxtrustMobile app)

ING Luxembourg S.A. uses trade names to designate some services linked to a payment account and invites consumers to refer to the glossary provided in the General Terms and Conditions of the Bank and in the Pricing Extract in order to identify the corresponding terms on the standardised list of services.

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