Dear developers, let’s innovate finance!

By Koen Adolfs, Guido van der Laan & Hardy Schuerhoff

Application Programming Interfaces (APIs) have evolved over the past few years, going from internal integration tools to digital building blocks that connect organisations. Developers can use them to create valuable client experiences, innovations and new business models. Again and again, companies such as Apple, Spotify and Dutch railway operator NS show that providing strategically selected services to third parties can add a great deal of client value — for example, Google Maps uses the NS API to show departures in real time.

ABN AMRO sees APIs as a way to make a huge contribution to creating secure, social and ground-breaking digital ecosystems. We believe that working more closely with third parties will offer opportunities to accelerate innovation and further improve our services to our clients. That is why we have decided to launch our ‘Developer Portal’ and APIs.

We subjected our API platform to extensive testing during the Beyond Banking Days, a 48-hour hackathon with developers from the bank, partners and fintechs/startups. Development has continued during the months since. The market introduction heralds a new phase in our exploration of the future of banking.

Consider some of the amazing possibilities. You can share Tikkie payment requests through your company’s own applications using SMS, Whatsapp or Facebook Messenger. Your accounting software can include a feature to send bulk payment orders directly to your bank, simply by clicking on one button. Our APIs give you the tools to get started right now — and we are only just getting started.

Our goal: to join forces and create innovations for our clients

ABN AMRO’s goal is to give clients control of their finances and put them in a position to make the best decisions in their particular situation, by developing products and services that are simple, fast and personalised. Besides pursuing its own innovations, the bank will accelerate the process by working with creative external developers and business owners to explore the future of banking.

With our APIs, you can use our services for your ideas, ground-breaking business models and exciting applications. Our APIs offer the following advantages:

  • Get started right away: Visit our Developer Portal to find out what our APIs do, how they work and what you need to do to interface with them. Use our sandboxes and get building now. Our APIs need just a few lines of code to run in your applications.
  • Clear overview: You always know what is happening. Use our API analytics to track your users’ activity in your applications and adjust your tactics if necessary.
  • Be creative: Use our APIs to fuel your ideas. We enable you to build the future of banking on exclusive building blocks.

Great! What APIs do we currently offer?

To start, we are providing a number of APIs for commercial clients and basic functionalities. We will add more and more as time goes by. The solutions that our bank provides are secure, and clients who use the building blocks can control whether they wish to share their data and with whom.

We have the following APIs:

  • Account Information: Retrieve details of an account such as balance transactions, balance and details.
  • Payment Initiation: Initiate a single payment and retrieve information on the status of the transaction.
  • Tikkie Payment Request: Get paid faster by creating easy payment requests. Share them via any channel you want.
  • Tikkie Fast Checkout: Boost the conversion rate of your webshop by enabling customers to checkout in just a few seconds.
  • And more…

In short, we believe that APIs offer countless possibilities, and will provide you with everything you need to help us innovate effectively and productively. You can get started right away, using our sandboxes (for everyone) and closed betas (for partners). Our APIs are the fuel for your ideas, and together we will explore the future of banking. What do you want to build? What feedback do you have for us? Let’s innovate finance!

Click here to visit ABN AMRO’s Developer Portal

About the authors:

Koen Adolfs, Product Owner Open Banking Over the course of his career, Koen has developed a taste for change, strategy and digital innovation. After focusing on the Internet and Mobile, he started specialising in APIs when PSD2 was in the make. As the Product Owner for Open Banking, Koen and his team are responsible for ABN AMRO’s API platform, supporting the business lines in formulating their vision and enlarging the developer community.

Guido van der Laan, Product Owner PSD2 & Corporate Banking APIs Guido has a passion for developing new products. As Product Owner, his goal is twofold: to maximise client value and minimise time-to-market. He and his team deliver innovative solutions that meet clients’ needs — not only for PSD2, but also for ABN AMRO Corporate Banking. He is looking forward to working with developers on new propositions based on his team’s APIs.

Hardy Schuerhoff, Product Owner Tikkie Business Hardy is an intrapreneur with a keen sense for strategy, time-to-market and innovation, and an unflagging drive to push forward. After being responsible for the ABN AMRO Mobile Banking app, he recently transferred to the Tikkie team. As Product Owner, he is responsible for the business propositions and business model behind Tikkie. His successes include development of Tikkie SaaS and Tikkie API.

More information about this story: This is a repost of a blog on You can find the original article here (EN) or here (NL).

Updated (12 August 2018): Added Tikkie Fast Checkout and Cash Exchange Rate as new APIs.

ABN AMRO Developer Blog

Hi there, thanks for joining us! Our Developer Blog is a place for all developers. We will share insights about innovation and tech. Give you updates on our APIs and events. And share the greatest stories to celebrate your accomplishments and contributions.


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Let's innovate finance! Use our APIs to fuel your ideas. What will you build? Go to:

ABN AMRO Developer Blog

Hi there, thanks for joining us! Our Developer Blog is a place for all developers. We will share insights about innovation and tech. Give you updates on our APIs and events. And share the greatest stories to celebrate your accomplishments and contributions.