Virtual Cash Management

Today, treasury teams want real-time information about their cash positions at their fingertips. Our virtual cash management (VCM) solution does exactly this, providing you live on-screen consolidated cash positions from international subsidiaries and other entities in the kind of detail never before possible.

ING Virtual Cash Management (VCM) is a continuous real-time cash concentration and funding solution that enables efficient and effective management of transaction flows, risk, and liquidity. It allows consolidation of funds from multiple virtual bank accounts into a single balance position and categorise and report these transfers using a virtual ledger account arrangement. 

It offers full cash concentration with complete overview and control of cash positions from anywhere at any time.



  • Improve cash visibility, access and reconciliation
  • Centralise multi-entity cash and transactions
  • Helps rationalise bank accounts
  • Support timely and better strategic decision making regardless of the current financial IT landscape
  • Increase straight-through processing and reconciliation
  • Lower barriers to entry around on behalf of structures
  • Reduce credit utilisation for the company
  • Facilitates working capital optimisation


Why partner with us

Our purpose is to empower people to stay a step ahead in life and in business. So whatever your financial needs, whether you are looking to expand and want strategic advice, or just want to make your day-to-day banking more efficient, we are here to support your business ambitions.

  • Serving corporate clients and financial institutions in over 40 countries.
  • We pair local and global insight with sector knowledge with financial expertise.
  • We are ranked as a leader in sustainability and we are included in the FTSE4Good Index.
  • Euromoney

    Best Bank for Transaction Services in W. Europe

  • Global Finance

    Most Innovative Bank in Western Europe

  • Global Finance

    Best Bank for Cash Management in W. Europe