On September 14th, the new European Commission Payment Services Directive PSD2 will enter into force. Please also read the blog post "Why there can occur problems in Outbank currently".
What does it mean for ING customers?
The EU PSD2 requires: Transfers and payments from checking account / giro account may no longer be released via iTAN. As part of this, the iTAN list will be abandoned. Currently, ING offers only the iTAN method via the HBCI interface.
Further, the bank stopped supporting HBCI. Outbank therefore currently retrieves the data via the ING website / online banking (screen scraping). That means:
Data retrieval for transactions, balances, and booked direct debits is still available.
ING requires an additional two-factor authentication (2-FA) for every login on their website. Therefore, also the login in Outbank has to be confirmed by 2-FA.
Data retrieval in Outbank have to be confirmed by 2-FA, e.g. the “Banking to go App” of ING.
ING customers can no longer make payments in Outbank.
Standing orders and scheduled transfers can no longer be displayed.
On its website, ING explains that they
“misjudged the importance of accessing the HBCI interface for our customers and the effort involved in integrating the 2-factor login. Therefore, for the foreseeable future, we will not be able to make the HBCI interface fully PSD2 compliant.”
(full explanation of ING in German: https://www.ing.de/kundenservice/sicherheit/psd2/#8762904)
Notes on August 28th: Recently, the ING announced that they would continue to support HBCI. The statement of ING:
“We are working on it and are very confident that reading access via HBCI will be available for our customers from 14.9. We currently cannot foresee, whether we also offer ‘full access’ in the future.”
As soon as we have more detailed information, we will announce it on this page.