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ING Business

User Guide

Welcome!

This is the digital platform

for entrepreneurs. Customer Support Service for medium and large clients +40 31 406 74 64 available Monday to Friday between 09:00 and 17:30
Customer Support Service for micro-companies and self-employed +40 21 403 83 04 available Monday to Friday between 09:00 and 17:30

Table of contents

1. ING Business Web (Desktop) ................................................................................................................................. 3

1.1 First login ........................................................................................................................................................................................ 3

1.2 Landing page (Dashboard) ......................................................................................................................................................... 4

1.3 Products .......................................................................................................................................................................................... 4

1.4 Payments ........................................................................................................................................................................................ 5

1.5 Transactions and requests ......................................................................................................................................................... 6

1.6 Accounts ....................................................................................................................................................................................... 22

1.7 Statements ................................................................................................................................................................................... 23

1.8 Communication module ........................................................................................................................................................... 24

1.9 Administration and Tools ......................................................................................................................................................... 25

2. ING Business App (Mobile) .................................................................................................................................. 26

2.1 Activate device ........................................................................................................................................................................... 26

3.1 Access ........................................................................................................................................................................................... 28

4.1 Activate widget .......................................................................................................................................................................... 29

5.1 Smartwatch App ........................................................................................................................................................................ 29

3. Frequently Asked Questions about activating ING Business App/ Web ................................................ 29

1. ING Business Web (Desktop)

1.1 First login

ING Business delivers an omni-channel digital experience to its clients. The new platform brings the banking products and

services to any device (computer, tablet, smartphone, and smartwatch), whenever and wherever they are needed.

The platform is accessible at https://business.ing.ro/. After accessing the ING Business site, for authentication input:

User ID, received from the bank via SMS sent to the mobile phone number associated with your user account. You

can subsequently change the user ID, by accessing the web version of ING Business (this can also be accessed

using the phone browser) and selecting the Change user ID option on the dashboard (homepage ).

Warning! ING will send SMS using telephone number 1277. Make sure that you did not block incoming messages.

Starting password, received on your email address registered with the bank. This password is valid for 5 days and

it must be updated when you first log in to the application. In case you do not log in to the application during the

first 5 days, use the Forgot password option. The password must be complex, and it must fulfil the following

cumulative conditions: o It is minimum 8 and maximum 16 alphanumeric characters;

o It includes characters which meet at least three of the following criteria: uppercase letters, lowercase

letters, numbers, special characters (e.g.! @#$%^&*);); o Do not use intuitive passwords (e.g. "aaaabbbb", "01234567") SMS unique code, received via SMS sent to the mobile phone number associated with your user account.

1.2 Landing page (Dashboard)

After your first login, you can customize your dashboard to suit your needs, by selecting one of the two start screens

(Operational or Decisional) illustrated below:

Operational screen recommended if you have an operational role with the company, you frequently enter

payments, verify the account balances.

Decisional screen recommended if you have a management position with the company, you sign payments, you

situation.

Also, in the landing page you can set My shortcuts if you want a more flexible and faster navigation through the

application. With one click you access the payment forms or application menus. To add a new shortcut just click on Set.

You can customize the Dashboard anytime, by clicking the Edit layout button at the top right of the Dashboard, or you

can return to the default settings by selecting the Restore defaults option when you are in edit mode.

1.3 Products

In this menu you have access to the the products that you have been authorized to view. The menu can be personalized

through the Self-service module. Through this menu you have access to the following types of products:

Foreign Exchange - you can exchange currency using exchange rates updated in real-time for the following currency

pairs: EUR/RON, USD/RON, GBP/RON, CHF/RON, PLN/RON, SEK/RON, NOK/RON, EUR/USD, EUR/GBP, EUR/PLN, EUR/SEK,

EUR/NOK si GBP/USD. To exchange other currency pairs, use the Internal transfer option, with exchange rates

Foreign Exchange module can be customized by adding/deleting currency pairs frequently used for exchanges.

Warning! The currency exchange does not take into account the payment limits set on the account/accounts.

Therefore, a person with access rights to an account has access to change the entire company balance.

Term deposits - with standard periods and standard interests, which you can monitor and close through ING Business.

Currency exchanges and deposits can be set up only by the users with the appropriate rights over these modules,

without requiring SMS codes for signing.

Recurring payments - fixed amount payments executed regularly, at a specific frequency and with validity period set

by the users. You can also initiate recurring payments from the Transactions and requests menu, by selecting the

Recurring payments link.

Loans display updated information about the term loans and credit lines, the total value of a loan, the main amount

to reimburse, the amount and date of the following payment, the due date of the loan etc. This module displays the

account statements for the loan products.

Cards - display updated information about the type of card, expiry date, account to which the card is attached,

transaction history etc.

Direct Debit Mandates - use to open and manage the direct debit mandates. Signing a mandate follows the signatory

policy and the transactional limits set for the account on which the direct debit mandate is created.

1.4 Payments

From this menu the following type of payments can be initiated:

Domestic payments (including budget payments);

Internal transfer

SEPA payment EUR payments to beneficiaries from countries in the European Economic Area;

Foreign payment use this form to make transborder RON payments, as well as payments in any other currency

available in ING Business.

After filling in the payment forms, sign them and send them to the bank to be processed, provided you have signatory

rights and the rights to submit payments.

You can initiate payments in ING Business:

Manually, using the payment forms (domestic payment, SEPA payment, foreign payment, internal transfer), which are

available in Transactions management or in My shortcuts (if you set such shortcuts) . The beneficiary can be added

manually to the form, selected from the list of beneficiaries saved in the application or from the list of beneficiaries

from the payment history covering the past three months.

Using the payment templates: access the Payment templates in the Transaction management module (you can create

payment templates from any payment form);

Importing payment files: you can import files by selecting the Data import option in the Transactions and requests

module, by selecting one of the import templates predefined by the bank or by creating your own template to import.

1.5 Transactions and requests

Use this module to monitor all the payments and currency exchange transactions (made with the Internal transfer

payment form) executed in ING Business during the current day or in a given time interval. The Transactions management

module displays transactions with one of the following statuses: New the transaction has just been entered in the system.

Pending signature the transaction received a signature, and a second signature is required (according to the

signatory policy); Signed the transaction received the required signatures, and it can be sent to the bank.

In pending execution the transaction has been successfully sent to the bank and it is waiting to be processed at

the date selected on the payment order;

Pending funds the transaction has been authorized, but it does not have the funds required to be processed; it will

be processed automatically if the required amount is added to the account or it can be cancelled. This

Enter the beneficiary name

transaction is automatically cancelled at the end of the day if the funds are insufficient, and it is not cancelled by

the user. Processed the transaction has been successfully processed.

Rejected the transaction was rejected by the bank; to view the reason for the refusal, select the Details option;

Cancelled the transaction was cancelled by one of your users, before being sent to the bank.

In this module, all the payments with the status new, and pending signature can be selected and signed with one single

transaction authorization code, as follows: select the transactions you want to send to the bank for processing, and then

click the Sign and send button.

Also from the Transactions and requests menu the Self-service module is accessible for proxies of the company. The

company can be represented by: a. One person, in which case the appointed representatives makes all the required changes;

b. Two persons, in which case either of them can make the required changes, sign and then send the document to

the other person to be signed. Changes are made when both representatives have signed them. To access the self-service module, navigate to Transactions and requests Self-service New request.

The following actions can be taken:

a) Edit the contact details each user uses exclusively to access ING Business. b) Activate/deactivate SMS alerts. c) Change the payment conditions (accounts authorization scheme.) d) Change user access and viewing rights for the ING Business modules.

For activation/ edit/ deactivation of SMS Alerts in navigate to Transactions and requests Self-service New request

SMS Alerts.

To activate SMS alert, take the following steps:

- Enter the phone number to receive the alerts (any phone number you want to use).

- Select the accounts, the type of operation (debit or credit) and the amount for which you want to receive alerts.

- Read and accept the Terms and Conditions. - Click the Confirm button. - Check the data typed in. - Click the Sign and send button.

You will receive a request message in the application. If you are the sole representative, you will receive the activation

confirmation via email. If there are two representatives, both representatives have to sign; then you will receive the

confirmation via email.

For deactivation SMS Alert go to Transactions and requests Self-service New request SMS Alerts. Click the

Deactivate button. A new window with all values empty is displayed. Check the box to declare that you have

acknowledged and accepted the Terms and Conditions, and the click the Sign and send button.

Enter the code received via SMS on the phone number used for ING Business, and then select Sign and send.

You will receive a request message in the application. If you are the sole representative, you will receive the deactivation

confirmation via email. If there are two representatives, both representatives have to sign; then you will receive the

confirmation via email.

Edit contact data for ING Business

You can change the contact data (email and/or phone number) used to access ING Business, for you or any other user of

the company you represent. The contact data are unique for eah user, irrespective of the number of companies to which

the user in question has access.

Navigate to Transactions and requests Self-service New request Edit contact details and take the following

steps: - Select the user based on the First name Last name from the dropdown menu; - Click the Confirm button; - Verify input information; - Click the Sign and send button;

- Enter the SMS received (if you want to change your own phone number, the code will be sent to the number

currently used); - Click the Sign and send button.

You will receive a confirmation message in the application. If you are the sole representative, you will receive the change

confirmation via email. If there are two representatives, both representatives have to sign (and send for processing);

then you will receive the confirmation via email. The user will also receive and email/SMS confirming the change.

Change payment conditions

Below there are definitions for a series of terms used in this sub-domain:

Group category of users with the same transaction rights. A user can be the member of only one user group.

Authorization scheme combination between: list of accounts to which it applies, signature policy, and the maximum

transaction limits.

Authorization scheme block it comprises one or several schemes configured for specific accounts. To make payments

from an account, it must be included in a block.

Signature policy it can be single (one person signs) or joint (two or three different persons sign). The signature is

represented by a letter which is the letter associated with a user group. This means that any member of the user grup has

signature rights, on condition that the signature right is configured in the User rights section, for at least one account in

the authorization scheme. Multiple signatory policies can be configured in an authoriation scheme and on the same

account. Transaction limits limits set for the payments made from the company accounts, for each user group.

To change the payment conditions, navigate to Transactions and requests Self-service New request Edit

accounts authorization schemes and take the following steps: - The main page for changes to payment conditions is displayed. - Make the required changes (using the options detailed below). - Click the Confirm button. - Verify the information added. - Click the Sign and send button. - Enter the code received via SMS on the phone number used for ING Business. - Click the Sign and send button.

You will receive a confirmation message in the application. If you are the sole representative, you will receive the change

confirmation via email. If there are two representatives, both representatives have to sign; then you will receive the

confirmation via email. The main page for changes to payment conditions you can: Change the user groups change the type of rights a user has. Change the accounts list in each authorization scheme you can change or eliminate an account.

Change the authorization scheme (signature policy and limits) change the group/groups and the number of users

required to sign a payment. Delete an authorization scheme completely eliminate the payment conditions. Add an authorization scheme define new payment conditions.

View accounts which are not included in any authorization scheme, which means that no payments can be made

from these accounts. Changes are visible as any modified field has an orange border.

If a user is not a member of any group, they can initiate payments, without being able to sign them (on condition they

are assigned the corresponding right in the User rights section). You can take one or more actions to change groups: a. Change group name

Select the Group name field, and the enter any name you want. We recommend that you use a name as relevant as

possible for you to describe the user group in question (e.g. accountants, HR, acquisitions etc.)

To change the group letter, use the Group ID dropdown menu. To change the group name, select the Group Name field.

Warning! If you change the group ID, make sure you also define it in an authorization schema, for the payments to be

possible. b. Move a user to another group

If you have multiple user groups, you can select a user and move them to another group. The user you move receives the

rights corresponding to the new group. c. Add a user to a group

To add a user who is not part of another group to a group, use the Add next person dropdown menu. The user will receive

the same payment rights as the users who are members of the group (on condition that the user has signatory rights on

the accounts in the authorization schema associated with the group). d. Delete a user from a group To delete a user from a group (and remove it from any group), select the x icon next to their name. When eliminated from any group, the user cannot sign payments on any account. e. Create a new group

If you need a new type of user, with rights different from the rights configured in the existing groups, select Create group,

and then add one or multiple users from the List of unused persons in any scheme.

A user can be the member of only one group.

The group must be included in an authorization scheme, for its users to be able to make payments. f. Delete group If you no longer need a user group, select Delete group.

To keep the changes, select the Save changes button. The changes are saved and you are redirected to the main page for

changes to payment conditions. To return, click the top left arrow, next to Edit groups.

If a user is not included in any group, he will be able to enter payments, but will not be able to sign (with the condition

that the user has input rights set in User rights).

Edit accounts in scheme

To make payments from an account, it is necessary that the account is included in an authorization scheme. An account

can be included in multiple authorization schems (for example, on the same account, a one-person group of users has

unlimited signatory rights, while another group has signatory rights on a limited amount and a second signature is

required for the payment).

No payments can be made in ING Business from an account which is not included in any scheme. However, this account

supports currency exchange operations, deposits, card payments if there are associated cards or debit instruments.

To add an account to a scheme or remove it, on the main page for changes to payment conditions select Edit accounts in

scheme, and then add check to the accounts to be included or remove check from the accounts to be eliminated.

To keep the changes, click the Save changes button. The changes are saved and you are redirected to the main page for

changes to payment conditions.

Delete/Add/Edit authorization scheme

Essentially, an authorization scheme indicates which user group (represented by the letter in its name) can make

payments from which accounts (included in the scheme), up to which amounts (transaction limits) and with how many

signatures (signature policy). Multiple authorization schemes can be applied to an account.

To define a new authorization scheme, select Add authorization scheme. A new window is displayed. To create the new

scheme, take the following steps:

1. Click the orange arrow in the center of the page to view the components of the groups.

2. Enter the scheme name (use a relevant name e.g. small payments, salary payment etc.)

3. Enter the signatory policy (each letter represents a group).

4. Enter the limit values (if no amount is entered, the value is unlimited).

5. Select the currency applicable to the limits.

6. Set the scheme validity, if you want the scheme to be applicable for a limited period (e.g. for salary payment).

7. Save the changes.

The signature policy can be:

Single (one letter): only one signature by one user from the group is needed for the payment to be sent to the

bank for processing;

Joint (two or three letters): two signatures are needed for the payment. The two users can be members of the

same group or different groups (e.g. AA or AB). This means that the payment is not sent unless any two members

of the respective group/groups sign.

In case of a joint signature with one person from different groups, make sure that there is at least one user in

each of the groups. In case of a joint signature with two signatures from the same group, make sure there are at

least two different users in the group. Also, make sure the groups exist.

Grant rights to a new account

When you open a new account, you must define which users have rights on the account and what are the payment

conditions for the account.

To grant account rights to users navigate to Transactions and requests Self-service New request Edit user and

take the following steps: - Select the Add rights to accounts without changing current users's rights option.

- Select a user from the list, and then select Add selected user. Repeat the operation until you add all the users to

whom you want to grant rights to the created account. - Select the required account, and then select Add selected account.

- At the bottom of the page, you can select the rights you want to grant to all the users selected for the

respective account. To add different rights, execute the action for each user in turn. - Click the Confirm button. - Verify the information added. - Click the Sign and send button. - Enter the SMS code received. - Click the Sign and send button.

To define the payment conditions navigate to Transactions and requests Self-service New request Edit

accounts authorization schemes and take the following steps: - The main page for changes to payment conditions is displayed.

- If you do not want to conditions different from the ones applicable to other accounts, select the Edit accounts in

scheme option. - Select the new account. - Save the changes. - Verify the information added. - Click the Sign and send button. - Enter the SMS code received. - Click the Sign and send button.

Edit the products to which a user has access

Use this menu to edit the rights of one or multiple company users, regarding:

- Accounts and type of rights to the accounts (view, add, change sign, transmit for each account in turn).

- Access to a group of cards (view transactions made with the company cards or not). - Products visible in ING Business.

Warninig! If you are the authorized representative of several companies and you have one or several designated users

for multiple companies, you must make the required changes for each company in turn. In such conditions, changing the

company may be done by clicking the orange arrow, available next to the Log out button.

To add changes to a user, navigate to Transactions and requests Self-service New request Edit user rights, then

take the following steps: - Use the Edit user's rights dropdown menu to select the user you want to modify. - To add the user, select the Add selected user option.

- The window displays the options to change on the accounts, access to the company cards and access to

the ING Business modules (detailed in the next section). - Make the required changes. - Click the Confirm button. - Verify the information added. - Click the Sign and send button. - Enter the code received via SMS. - Click the Sign and send button.

You will receive a confirmation message in the application. If you are the sole representative, you will receive the activation

confirmation via email. If there are two representatives, both representatives have to sign; then you will receive the

confirmation via email.

Edit rights to accounts

To make changes to accounts, access Transactions and requests -> Self-service New request Edit users rights -> Add

rights to accounts without changing current user rights, and follow these steps:

- Select the user for which you want to make the rughts modifications by clicking the orange arrow by Modify user

rights; - Click Add selected user;

- The window will enlarge and modification options for account level, access to company cards and ING Business

modules (detailed in the next section) will be displayed;

- Click the orange arrow by Accounts menu. You will be able to view all the accounts available for the respective

user; - Select which rights you want the user to have for each account: o Review the user can view the account, but they cannot make any payments. o Entering the user can enter payments, which are signed and sent by another user. o Modification the user can modify the payments entered in the account (by them or by another

user), without being able to sign and send them. If the payment already has at least one signature, it

can be modified solely by a person with signatory rights. o Signing the user has signatory rights for the payments, but they cannot send the payment to the bank for processing. o Sending the user can send to the bank the payments entered, with all the required payments. - Click the Confirm button; - Verify the information added. - Click the Sign and send button. - Enter the SMS code received. - Click the Sign and send button.

Warninig! The review right is a prerequisite for granting any other right. Cancelling the right to review an account cancels

all the other rights.

To grant a right, it must be checked individually, as the rights are not grouped (for example, a user with the right to review

and send payments will not be able to enter or sign them).

Warninig! For a user to successfully make a payment, alone or together with someone else, it is necessary for two

conditions to be met:

1. Have review, entering, signing and sending rights on the account

2. Be part of a group which has signing rights on the account and the group to be included in a signature scheme

which includes this group.

Edit access to card transactions

To make changes to card transactions access, go to: Transactions and requests ->Self-service New request Edit users

rights and follow these steps:

- Select the user for which you want to make the rughts modifications by clicking the orange arrow by Modify user

rights; - Click Add selected user; - Click the orange arrow by Card group rights;

- Add or remove view rights (by checking/ unchecking) for company rights. Currently, ING Business does not support

the management of card limits, PIN changing, and card blocking; - Click the Confirm button; - Verify the information added; - Click the Sign and send button; - Enter the SMS code received; - Click the Sign and send button.

Edit viewing rights to ING Business products

Use this section to add or remove the viewing rights of a user for modules and products available in ING Business. Access

Transactions and requests -> Self-service New request Edit user rights and follow these steps:

- Select the user for which you want to make the rughts modifications by clicking the orange arrow by Modify user

rights; - Click Add selected user;

- Click the orange arrow by Profiles menu. All ING Business modules and products will be displayed. By selecting a

checkbox, you grant the user the right to view the corresponding module/product. By removing a checkbox, you

remove the viewing rights to the corresponding module/product; - Click the Confirm button; - Verify the information added; - Click the Sign and send button; - Enter the SMS code received; - Click the Sign and send button.

I. Accounts

a. Accounts list (to which the user has access) if you clear this checkbox, the user will not view any account.

b. Statements & History if you clear this checkbox, the user will not be able to view statements or the history of

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