aid: abn-amro
url: https://raw.githubusercontent.com/api-evangelist/abn-amro/refs/heads/main/apis.yml
name: ABN AMRO
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Financial
  - Banks
  - European Banking
  - Open Banking
  - PSD2
  - Payments
description: 'A Dutch banking and financial services group serving retail, private, and corporate clients across Europe. ABN AMRO publishes a public developer portal exposing PSD2 Open Banking, Tikkie payment-request, and corporate payment APIs.'
created: '2026-05-05'
modified: '2026-05-16'
specificationVersion: '0.19'
apis:
  - aid: abn-amro:tikkie
    name: Tikkie API
    tags:
      - Payments
      - Payment Requests
      - Consumer Finance
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://developer.abnamro.com/api-products/tikkie/overview
    properties:
      - url: https://developer.abnamro.com/api-products/tikkie/overview
        type: Documentation
      - url: https://developer.abnamro.com/api-products/tikkie/reference-documentation
        type: ReferenceDocumentation
    description: 'The Tikkie API lets Tikkie Business customers programmatically create payment requests, send them to end-payers, and receive notifications when payments complete. Authentication uses an API token (Business) and OAuth 2.0 for higher tiers.'
  - aid: abn-amro:payment-initiation-psd2
    name: Payment Initiation (PSD2) API
    tags:
      - Open Banking
      - PSD2
      - Payments
      - Payment Initiation
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://developer.abnamro.com/api-products/payment-initiation-psd2/overview
    properties:
      - url: https://developer.abnamro.com/api-products/payment-initiation-psd2/overview
        type: Documentation
      - url: https://developer.abnamro.com/api-products/payment-initiation-psd2/reference-documentation
        type: ReferenceDocumentation
    description: 'PSD2-compliant Payment Initiation Service (PIS) API allowing licensed Third Party Providers (TPPs) to initiate SEPA payments from an ABN AMRO retail or business customer account and retrieve status. Requires a PSD2 eIDAS certificate.'
  - aid: abn-amro:business-account-payment
    name: Business Account Payment API
    tags:
      - Payments
      - Corporate Banking
      - SEPA
    image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
    humanURL: https://developer.abnamro.com/api-products/business-account-payment/overview
    properties:
      - url: https://developer.abnamro.com/api-products/business-account-payment/overview
        type: Documentation
      - url: https://developer.abnamro.com/api-products/business-account-payment/reference-documentation
        type: ReferenceDocumentation
    description: 'Corporate / business-account payment API used by ABN AMRO commercial customers to initiate payments from their own corporate accounts and retrieve transaction status. Uses OAuth 2.0 client-credentials with mTLS.'
common:
  - type: GitHubOrganization
    url: https://github.com/ABNAMRO
  - type: LinkedIn
    url: https://www.linkedin.com/company/abn-amro
  - type: Website
    url: https://www.abnamro.com/
  - type: Portal
    url: https://developer.abnamro.com/
  - type: Documentation
    url: https://developer.abnamro.com/
  - type: GettingStarted
    url: https://developer.abnamro.com/get-started
  - type: TermsOfService
    url: https://developer.abnamro.com/content/terms-and-conditions
  - type: Features
    data:
      - name: Payment Requests
        description: Create Tikkie payment requests and receive callbacks when an end-payer settles them.
      - name: PSD2 Payment Initiation
        description: Initiate SEPA Credit Transfer and SEPA Instant payments under PSD2 PIS for both retail and business accounts.
      - name: Corporate Payments
        description: Submit own-account corporate payments and retrieve detailed transaction status.
      - name: OAuth 2.0 Authorization
        description: Authorization Code (with PKCE) and Client Credentials flows for licensed TPPs and direct business clients.
      - name: eIDAS Certificate Onboarding
        description: PSD2 production access uses qualified eIDAS certificates (QWAC + QSeal) for transport and signing.
      - name: Sandbox
        description: Public sandbox with test certificates and synthetic accounts for all PSD2 and business-payment APIs.
  - type: UseCases
    data:
      - name: Merchant Payment Collection
        description: Use Tikkie to send a one-off or recurring payment request to a customer over a link instead of card-present checkout.
      - name: Account-to-Account Checkout
        description: Use PSD2 Payment Initiation as a low-cost alternative to card rails for e-commerce checkout in the Netherlands and EU.
      - name: Corporate Treasury Automation
        description: Automate payroll, supplier payments, and treasury transfers from ABN AMRO business accounts.
      - name: TPP Aggregation
        description: PSD2 TPPs (PISP role) routing customer-authorized payments through ABN AMRO as one of the Dutch banks they cover.
  - type: Authentication
    data:
      - name: API Token (Tikkie)
        description: Server-side API token issued via the Tikkie Business portal for Tikkie-only calls.
      - name: OAuth 2.0 Authorization Code
        description: Three-legged OAuth 2.0 with PKCE for PSD2 user-consent flows.
      - name: OAuth 2.0 Client Credentials + mTLS
        description: Two-legged OAuth 2.0 with mutual TLS using eIDAS QWAC for PSD2 and business-account APIs.
      - name: eIDAS Qualified Certificates
        description: PSD2 production access requires QWAC for transport and QSeal for request signing per Berlin Group NextGenPSD2.
  - type: Compliance
    data:
      - name: PSD2
        description: Revised Payment Services Directive (EU 2015/2366) — ABN AMRO is a regulated ASPSP exposing PIS and AIS endpoints.
      - name: Berlin Group NextGenPSD2
        description: ABN AMRO follows the Berlin Group NextGenPSD2 XS2A framework for its PSD2 APIs.
      - name: GDPR
        description: General Data Protection Regulation compliance for personal data processed by the APIs.
      - name: DNB / ECB Supervision
        description: Supervised by De Nederlandsche Bank (DNB) and indirectly by the European Central Bank as a significant institution.
      - name: ISO 20022
        description: SEPA payment payloads align with ISO 20022 pain.* and camt.* messages where applicable.
  - type: Integrations
    data:
      - name: Tikkie
        description: ABN AMRO subsidiary providing the Tikkie consumer and business payment-request product.
      - name: Berlin Group XS2A
        description: Common European PSD2 specification used by ABN AMRO and most Dutch and German banks.
      - name: Open Banking Aggregators
        description: PSD2 aggregators (e.g., Tink, TrueLayer, Plaid Europe) connect to ABN AMRO via the PSD2 endpoints.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com