Mobile Banking Terms and Conditions

Mobile Banking
Terms and Conditions
Mobile Banking
• ING’s Mobile Banking app allows you, amongst other
things, to check your balance, see recent transactions and
make payments using a mobile device etc.
• To make a payment you need your mobile PIN or your
voice. This authorises ING to execute your payment.
Authorised payments cannot be cancelled.
• To continue improving software for voice recognition, ING
collects voice data (recordings of your voice). This data
will only be used for this purpose and will be destroyed
after a maximum of 3 months. Make sure that nobody
records your voice when doing a payment with your
voice.
• When you use the app, it is your responsibility to keep
your banking transactions secure. This means observing
the Uniform Security Rules in the second part of these
Terms and Conditions that have been drawn up by the
Netherlands Banking Association (NVB) in collaboration
with the major banks and the Consumentenbond (Dutch
Consumer Association). Tips on safe and secure banking
can be found on ING.nl/veiligbankieren.
• We reserve the right to expand, alter or discontinue the
ING Mobiel Bankieren product, for commercial reasons,
for example.
Liability
• Provided you have observed safe banking practices we
will reimburse you in respect of any losses you may incur
due to fraudulent use of Mobile Banking. However, by law,
we can require you to bear up to the first €150 of such
losses, at our discretion.
• If the loss is due to fraud, deliberate action or gross
negligence on your part, you will not be reimbursed.
•Nor will we reimburse you in respect of losses:
- in the event of faults affecting ING Mobiel Bankieren;
- because you are no longer able to use ING Mobiel
Bankieren;
-because a payment made using ING Mobiel Bankieren
is refused, not properly processed or not processed on
time;
-due to inaccuracies in the information you receive via
ING Mobiel Bankieren.
Losses will, however, be reimbursed if they are attributable
to deliberate action or gross negligence on the part of ING.
Account blocking
• You can block your ING Mobiel Bankieren access at any
time without charge.
• We may block your access to Mobiel Bankieren if we find
it necessary to do so for security reasons.
Termination
• You can cancel your ING Mobiel Bankieren Agreement at
any time without charge.
• We may terminate your access to ING Mobiel Bankieren
and cancel your ING Mobiel Bankieren Agreement
(Overeenkomst Mobiel Bankieren) in the following
situations:
- you have not used ING Mobiel Bankieren for 24 months;
-we find it necessary to do so for security reasons.
You can find out how the app works by visiting
ING.nl/mobiel. The site has information on the
functionalities of the app, updating the app and
reliable sources. You will also find our answers to
frequently asked questions. We shall of course also
be happy to provide personal assistance - just give
us a call or pop into your nearest branch.
ING.nl/mobiel
+31 (0)20 22 888 88 for personal customers,
+31 (0)20 22 888 22 for business customers
Current-Account Terms and Conditions (Voorwaarden
Betaalrekening) and the online banking Mijn ING
Terms and Conditions (Voorwaarden Mijn ING)
or, in the case of business customers, the Business
Account Terms and Conditions (Voorwaarden
Zakelijke Rekening) and business online banking Mijn
ING Business Terms and Conditions (Voorwaarden
Mijn ING Zakelijk). If these Terms and Conditions
contain provisions relating to the same matters as are
covered in the ‘Voorwaarden Mobiel Bankieren’, the
‘Voorwaarden Mobiel Bankieren’ shall prevail.
About these Terms and Conditions
• These Terms and Conditions come into effect from the
10th of September 2014.
• ING Mobiel Bankieren is also governed by the ING
Bank General Terms and Conditions (Algemene
Bankvoorwaarden) and, for personal customers, the
265297 0914
Uniform Security Rules
1
Keep your security codes secret
Security codes
Password Mijn ING (Zakelijk)
TAN + PAC Mijn ING (Zakelijk) Activation code Mijn ING (Zakelijk)
Mobile PIN Mobiel Bankieren App
PIN credit card, debit card
265297 0914
•Your security codes are personal: never let anyone else see them and never tell anyone else what your codes are.
•Do not write your security codes down or save them in a file. If you have to keep a reminder, make sure it is in a form
that will only make sense to you.
•If the system allows you to choose a password, username or PIN, make sure that it is not easy to guess. For example, do
not use birthdays, names of family members or postcodes.
•Be careful not to let anyone see what you are keying when you enter a code.
•
Never divulge a security code, for example, on the telephone, on a website or in an app other than an ING app, via
email, text message (SMS), WhatsApp or face-to-face. ING staff will never ask you for your codes.
2
Don’t let anyone else use your debit card or credit card
•Keep your wits about you when using your debit card or credit card and check that it is your own card which is
returned to you.
•Always keep your cards in a safe place and take care not to lose them.
•Regularly check that you still have your cards in your possession.
3
ake sure all the devices you use for banking have proper security protection
M
• The devices you use for banking, such as your mobile phone, tablet or computer, must have an original operating system which is kept updated to the latest version.
•The software you use must always be up-to-date. If you use the ING Mobiel Bankieren app, make a point of always
installing the latest version.
•A computer or laptop which you use for online banking must have security protection in the form of antivirus software
and firewall.
• Do not install any illegal software.
• Secure access to your mobile phone, tablet or computer by means of an access code.
•Make sure nobody else can use your Mijn ING (Zakelijk) account or app. Always log out when you have finished online
banking.
4
Check your bank account regularly
Whenever you get either online or printed statements, check for unauthorised transactions as soon as possible. If the bank
provides you with transaction details online, make a point of checking them at least every couple of weeks. If you only get
printed statements, check them within two weeks of receipt at the very latest. If the bank has incurred losses because you
were unable to check your account information for some time, it may require you to show a good reason for having been
prevented from doing so.
5
Report incidents to the bank immediately and take such action as is instructed by the bank
•You must telephone us immediately if you suspect that the security of your debit card, credit card, ING Mobiel
Bankieren app or Mijn ING (Zakelijk) online banking account has been compromised. You should in any case
telephone us in the following situations:
- youknow or suspect that someone else knows or has used your security details;
- when using ING Mobiel Bankieren or Mijn ING (Zakelijk) online banking, you discover payments not made by you
or another authorised account user;
- your debit card or credit card or the mobile phone, tablet or computer you use for online banking has been stolen
or lost.
•Also call us immediately if you encounter anything else which is unusual, such as an unfamiliar log-in page.
•If we tell you to take certain action, for example to prevent further incidents, you must act as instructed.

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