🏦 Banking & QR Code

ING Bank Romania QR Code 2026: RoPay Payments Guide

How RoPay QR code payments work at ING Bank Romania, where they're accepted, and how to spot fake banking QR codes with DoItQR.

πŸ“ By the DoItQR team πŸ“… June 30, 2026 ⏱ 9 min read

1. ING Bank Romania QR Code: What You Need to Know

ING Bank Romania uses QR codes inside its Home'Bank mobile app to power RoPay, Romania's national instant mobile payment system. Instead of typing an IBAN or card number, customers simply scan a QR code to send or settle a payment in seconds.

RoPay was launched in 2024 by TRANSFOND and the Romanian Banking Association (ARB), and ING was among the first banks to roll it out to customers. Over 8.6 million Romanians are already enrolled in the system, which now reaches individuals, merchants, and major billers across the country.

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What is RoPay? Romania's free, national instant mobile payment service. Works between accounts at different participating banks. Initiated by scanning a QR code, by phone number, or via a payment link β€” no card or IBAN entry needed.

2. How RoPay QR Payments Work

A RoPay QR code encodes the payment details so your banking app can pre-fill everything automatically once scanned.

DetailLimit / Rule
Transfer to a personUp to 49,999 RON per transaction
Payment to a merchantUp to 99,999 RON (online or at POS)
QR code validity2 minutes to scan, then 2 more minutes to authorize
Fees for individualsFree, regardless of ING package held
Availability24/7, including weekends and holidays, RON only
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Expired QR code? If you see "what you scanned has expired," simply ask the other person to generate a new QR code and scan again β€” the time window is intentionally short for security.

3. How to Use Your ING QR Code to Pay or Get Paid

Whether you're paying a friend, a merchant, or a bill, the flow stays largely the same inside Home'Bank.

  1. Open the Home'Bank app and log in
  2. To pay: go to Payments β†’ Other Payments β†’ Scan QR
  3. Point your camera at the RoPay QR code shown by the merchant, biller, or the other person's app
  4. Review the pre-filled amount and recipient details
  5. Confirm with your usual authentication (biometrics or PIN)
  6. Funds typically settle in around 10 seconds
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Requesting money Since May 2026, ING customers can also send payment requests by phone number β€” no IBAN needed β€” to up to 10 people across 7 requests per day, each staying active for 48 hours.

4. Where RoPay QR Codes Are Accepted

RoPay started with person-to-person transfers but has expanded quickly into merchant and bill payments. Places you'll now find a RoPay QR code include:

  • DIGI β€” telecom bills, both on paper invoices and online checkout
  • Generali Romania β€” insurance premium payment documents
  • Auchan, PPC, Engie β€” among the retail and utility merchants already integrated
  • Point-of-sale terminals β€” supported by Payten/ASEE for in-store RoPay acceptance
  • Other participating banks β€” including Banca Transilvania, BCR, BRD, Raiffeisen, UniCredit, and more
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Why merchants like it Paying with RoPay avoids entering or storing card details, reducing fraud risk for both the customer and the merchant.

5. How to Generate Your Own Payment QR Code with DoItQR

RoPay QR codes are generated inside your banking app for the actual transaction, but if you want to share a payment link, an invoice page, or your business's RoPay-enabled checkout with customers or friends, DoItQR's free generator makes that link instantly scannable.

  1. Copy the link you want people to access (a payment page, your invoice portal, or a business profile)
  2. Open the DoItQR Generator and paste the URL
  3. Customize the color or add your logo
  4. Download the QR code as SVG or PNG
  5. Print it at your counter or add it to your invoice/website
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Good use case Small merchants not yet enrolled in RoPay can still display a DoItQR-generated code linking to a payment page or contact details, keeping things simple for customers.

6. Recent Updates: Payment Requests & Growing Merchant Network

RoPay has moved quickly from a simple person-to-person feature to a broader payment ecosystem at ING.

  • May 2026 β€” ING launched payment requests by phone number, letting customers request funds from up to 10 people without sharing an IBAN
  • DIGI integration β€” the first Romanian telecom operator to accept RoPay for bill payments, via QR code on invoices or online checkout
  • Generali Romania β€” insurance premiums now payable by scanning the QR code printed on payment documents
  • POS expansion β€” Payten-powered terminals let merchants accept RoPay alongside card payments
ING describes instant RoPay payments as part of a shift toward "a unified way to send and request money, directly from the mobile banking app." β€” Roxana Petria, Head of Private Individuals, ING Bank Romania, May 2026
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7. DoItQR Diagnostic: Spot Fake Banking QR Codes

As QR payments grow more common, so does "quishing" β€” phishing attacks using fake QR codes placed over real ones, or sent by SMS or email claiming to be from your bank. Before scanning any unfamiliar banking QR code, run it through DoItQR's free Diagnostic tool.

  • Analyzes the domain reputation behind the QR code or link
  • Detects suspicious redirects and shortened URLs hiding the real destination
  • Flags known phishing site signals, including fake banking login pages
  • Helps confirm a link genuinely leads to ing.ro or your bank's official domain

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8. DoItQR Scanner: Verify Before You Scan

DoItQR's built-in scanner always shows the full destination URL before you open it β€” useful for checking any QR code at a shop counter, on an invoice, or sent to you online before you authorize a payment.

βœ… A legitimate RoPay flow always:

  • Happens entirely inside your own banking app, never on an external website
  • Never asks you to type your card number, CVV, or online banking password on a separate page
  • Shows the recipient and amount clearly before you confirm
  • Never pressures you to pay "immediately or lose the offer"
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Physical QR code tip At a market stall or small shop, check that the QR code sticker looks original and isn't a sticker placed over another one β€” a classic quishing trick at point-of-sale displays.

9. Conclusion: Pay Fast, Scan Safe

RoPay has turned ING Bank Romania's QR codes into a genuinely useful everyday payment tool β€” free, instant, and now accepted by a growing list of merchants and billers. The golden rule: a real RoPay scan always stays inside your own banking app.

If a QR code or link asks for your card details, password, or payment outside the app, treat it as a scam. Take 30 seconds to verify with DoItQR before scanning anything from an unfamiliar source.

βœ… All DoItQR tools are 100% free

Generator Β· Scanner Β· Diagnostic β€” no sign-up, no subscription.

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πŸ“š Sources

  1. ING.ro β€” RoPay β€” ing.ro
  2. ING.ro — ING Bank RomÒnia lansează RoPay — ing.ro
  3. ING.ro β€” FAQ Home'Bank β€” ing.ro
  4. Ziarul Financiar β€” ING Bank RomΓ’nia a lansat RoPay β€” zf.ro
  5. Financiarul.ro β€” ING Bank introduce cererile de plata instant prin RoPay (May 2026) β€” financiarul.ro
  6. BankingNews.ro — ING și DIGI lansează plata facturilor prin RoPay — bankingnews.ro
  7. Forbes Romania β€” DIGI Θ™i ING introduc plata facturilor prin RoPay β€” forbes.ro
  8. Generali.ro — ING Bank și Generali RomÒnia lansează plata serviciilor de asigurare prin RoPay — generali.ro
  9. DoItQR β€” QR Code Diagnostic Tool β€” doitqr.com/diagnostic