What Tikkie does

Tikkie is a Dutch payment-request platform founded in 2016 as an initiative of ABN AMRO Bank N.V. and headquartered in Amsterdam. The platform enables consumers to send payment links natively via WhatsApp, email, SMS, and QR-codes, with payments settled through iDEAL/Wero open-banking rails. With more than 10 million users (against a Dutch population of approximately 17.8 million), 30,000–40,000 business customers, and ~300,000 daily payments totaling roughly €8.5 billion in volume during 2025, Tikkie has become a culturally embedded default for P2P and SMB payment collection in the Netherlands — its name is included in the Van Dale Dutch dictionary. The product spans a consumer app (free), a business tier (Tikkie Zakelijk) with a subscription + per-transaction pricing model, plus integrated modules for group expenses (Groepie), cashbacks, deposit-return (Statiegeld), QR-code hospitality ordering via Butlaroo, in-app advertising (Tikkie Brands), and charitable fundraising. Distribution is exclusively domestic, requiring a Dutch IBAN, and Tikkie uses ABN AMRO's banking infrastructure, SWIFT protocols, and regulatory licensing as its operational backbone.

Tikkie monetizes primarily through its business subscription (€7.50/month plus per-transaction fees of €0.15–€0.25 above the first 20 monthly Tikkies), statiegeld processing fees (€500 setup + €25/month + €0.025–€0.045 per transaction), custom-priced brand advertising, and a horeca QR-ordering partnership with Butlaroo. A sister neobank, BUUT, was launched in 2024 on the Tikkie platform for teenagers. Technology is built around iDEAL/Wero payment rails, WhatsApp-native sharing, QR-code POS flows, and a REST API (with sandbox and production environments) for ERP/CRM integration. Notable quantifiable outcomes include 80% same-day payment rates for business Tikkies, sub-five-second statiegeld refunds, and 25% year-over-year growth in business payment volume. The company has no independent funding, no M&A activity, and is funded entirely through ABN AMRO's corporate resources.

Name

Tikkie

Legal name

ABN AMRO Bank N.V.

Website

https://tikkie.me

Company type

Private

Founded year

2016

Operating status

Operating

Short description

Tikkie is a Dutch payment-request platform owned by ABN AMRO, enabling consumers and 30,000+ SMBs to send and receive payments via WhatsApp, QR-codes, and iDEAL/Wero rails. With 10 million+ users, it is the default P2P and SMB collection rail in the Netherlands.

Ownership category

akta.pro rank

Product category

Mobile Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH), Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG)

Keywords

• Mobile payment requests
• Peer-to-peer payments
• Business payment collection
• Qr-code payments
• Open banking payments

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Business Subscription and Transaction Fees: Tikkie zakelijk generates revenue through a monthly subscription fee of €7.50 plus per-transaction fees scaled by volume. The first 20 Tikkies per month are included. Higher volume customers pay lower per-transaction rates (from €0.25 down to €0.15 per paid Tikkie). SMS sending adds €0.10 per message.
2. Statiegeld Processing Fees: Businesses pay €500 setup fee plus €25 monthly, plus per-transaction fees scaled by volume for deposit return processing. Rates range from €0.045 per transaction (351-10,000/month) down to €0.025 per transaction (50,000+/month). International transactions cost €0.20 extra.
3. Advertising (Tikkie Brands): Businesses can advertise in the Tikkie app to the 10 million user base. Ad formats include regular ads, video ads, and interactive games. Pricing is customized based on budget and campaign objectives.
4. Horeca QR-ordering Platform: Revenue from the Butlaroo partnership for QR-code ordering and payment in hospitality venues. Businesses pay a monthly fixed fee to Butlaroo plus transaction costs to Tikkie. Specific rates are provided via custom quote after intake.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Tikkie is a mobile payment request platform that lets Dutch consumers send payment requests to anyone via WhatsApp, email, SMS, or QR-code. Payments are processed through iDEAL/Wero from the recipient's bank account. A business tier (Tikkie Zakelijk) adds higher limits, branded payment pages, multi-user portals, API integration, and a 80% same-day payment collection rate. The platform extends to group expense splitting (Groepie), cashback campaigns, deposit return refunds, QR-code ordering and payment in hospitality, in-app advertising, and charity fundraising.

Product overview

Tikkie is a unified multi-channel payment platform and ecosystem, consisting of a consumer app (Tikkie App) as the core product, a business tier (Tikkie Zakelijk) with three delivery channels (Zakelijke App, Portal, and API), and multiple integrated modules including Groepie (group expense splitting), Cashbacks, Statiegeld (deposit refunds), QR-order and pay for hospitality, advertising (Tikkie Brands), and fundraising. The platform was founded in 2016 by ABN AMRO and now serves 10 million+ users, processing ~300,000 payments daily. A sister neobank, BUUT, was built on the Tikkie platform. Key distribution channels include WhatsApp, SMS, email, QR-code, and API integrations. The platform is available exclusively in the Netherlands and is linked to iDEAL | Wero for payment processing.

Differentiator

Problem solved

Functional benefit

Brands

• Tikkie Zakelijk: Business version of Tikkie for entrepreneurs and companies to send payment requests to customers
• Groepie
• Tikkie Terug (Cashbacks)
• Statiegeld met Tikkie

Products and services

• Tikkie App (Consumer) Free mobile app for Dutch consumers to send and receive payment requests via WhatsApp, email, SMS, or QR-code. Limits up to €950 per request and €2,500/day. Includes group expense tracking, cashback discovery, and deposit returns. Requires a Dutch IBAN and European mobile number.
• Tikkie Zakelijk (Business Tikkie) Business-tier platform for entrepreneurs and companies to send payment requests to customers. Includes higher limits (€5,000 per Tikkie, €15,000/day), customizable expiry, company logo branding, reference/invoice number fields, multi-user access, and real-time payment status tracking. Pricing: €7.50/month base plus per-transaction fees scaled by volume (€0.25 down to €0.15 per paid Tikkie), with first 20 Tikkies free. 3-month free trial offered.
• Tikkie Zakelijk App Mobile application for Tikkie Zakelijk business users to send and manage payment requests on the go via WhatsApp, email, SMS, or QR-code. Includes real-time payment status, filters, and a color-coded dashboard (paid green, pending orange, expired grey).
• Tikkie Portal Web-based dashboard for Tikkie Zakelijk businesses to bulk-create payment requests, manage employee access with custom permissions, add company logo and custom thank-you GIFs, search and filter by reference, and export PDF for accounting. Bundles payouts at 04:00 daily.
• Groepie Group expense tracking feature within the Tikkie app that allows friends to split shared costs such as restaurant bills, trips, or shared household expenses. Creates a group, adds expenses, indicates who participated, and calculates optimal settlement to minimize the number of inter-person transfers needed.
• Tikkie Cashbacks (Tikkie Terug) Cashback campaign platform enabling brands to offer money-back promotions visible to 9 million Tikkie users in the app's Deals section. Consumers purchase a product, scan the receipt with the Tikkie app, and receive cashback within seconds to their bank account.
• Statiegeld Terug (Deposit Return) Deposit refund service for businesses integrated with deposit return machines (PET bottles, cans, reusable cups). Consumers scan the QR-code on the machine or receipt with the Tikkie app to receive deposit refunds instantly to their bank account. Also works via a web form without the app (refund within 3 business days). Supports SEPA payments for tourists. Business pricing: €500 setup + €25/month plus per-transaction fees (€0.045 down to €0.025).
• Bestellen en betalen in de horeca (QR-order and pay) QR-code-based ordering and payment solution for the hospitality sector, built in partnership with Butlaroo. Guests scan a table QR-code to browse a visual menu, order, split bills, tip, and pay via Tikkie iDEAL/Wero. Includes a management dashboard for restaurants to control menus, QR-codes, and view transactions. Businesses pay a monthly fixed fee to Butlaroo plus transaction costs to Tikkie.
• Tikkie Adverteren (Tikkie Brands) Native advertising platform allowing brands to promote products and campaigns inside the Tikkie app, reaching 10 million active users. Formats include regular ads (logo, image, text), video ads, and interactive branded games (30+ templates). Ads appear in the Tikkie overview and on the thank-you page after payment.
• Tikkie API REST API for businesses to integrate Tikkie payment request creation and management into their own business systems, ERP, or CRM. Supports automatic Tikkie creation from invoices, bulk sending to address lists, and real-time payment status webhooks. Available via the ABN AMRO Developer Portal with sandbox and production environments.
• Tikkie Cashback API API specifically for businesses to create and manage cashback campaigns programmatically via the ABN AMRO Developer Portal. Enables brands to set up promotional cashbacks, distribute them to consumers through the Tikkie app, and track redemption with refunds paid directly to consumers' bank accounts within seconds of receipt verification.
• Collecteren en Doneren (Fundraising) Fundraising and donation module for charities and non-profit causes using Tikkie business accounts. Organizations can create QR-codes with custom amounts for in-person collection or share via social media. Includes custom thank-you branding and a 'Share forward' WhatsApp button to amplify campaign reach.
• BUUT Neobank Neobank launched by ABN AMRO, built on the Tikkie platform with ABN AMRO's banking infrastructure. Designed for teenagers and their parents, offering a visually driven, interactive banking experience. Available as a mobile app. Part of the Tikkie product ecosystem under ABN AMRO.

Quantifiable outcome

• 80% of business Tikkies are paid within 1 day
• +3 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ButlaroocoreStrategic or Co-development Partner · 1 January 2022Tikkie partnered with Butlaroo, the market leader in QR-ordering for hospitality in the Netherlands. This partnership allows Tikkie to offer both ordering and payment via QR-code in restaurants and bars. Butlaroo handles the ordering platform while Tikkie processes payments, creating an integrated horeca solution.
• TOMRAcoreTechnology or IntegrationTOMRA's deposit return machines (RVM) are integrated with Tikkie for statiegeld refunds. TOMRA's bulk deposit machines (Quantum series) allow consumers to deposit up to 100 bottles/cans at once and receive refunds via Tikkie. The first such machine was installed in Eerbeek.
• EnvipcocoreTechnology or IntegrationEnvipco's deposit return machines work with Tikkie for statiegeld refunds. Envipco placed the first public deposit machine in Bunschoten-Spakenburg, with plans for 100 Quantum machines in public spaces across the Netherlands.
• BUUTminorStrategic or Co-development PartnerBUUT is a neobank launched by ABN AMRO, built on the Tikkie platform with Tikkie's look & feel, tone of voice, and user experience. BUUT is described as the new bank from the makers of Tikkie, targeting teenagers and their parents for financial management education.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mollie: Amsterdam-based payment platform serving Dutch and European SMBs with online payment processing, payment links, and POS integrations. Directly comparable to Tikkie zakelijk in serving Dutch SMBs with multi-channel payment collection.
• bunq: Dutch neobank offering payment accounts, payment requests, and shared expense features. Directly comparable as a Dutch mobile-first banking and payment-request platform targeting consumers and SMBs with similar UX.
• Zettle by PayPal: PayPal-owned mobile payment platform offering payment links, QR codes, and POS readers to SMBs. Comparable to Tikkie in providing consumer-facing payment-request and QR-based merchant payment capabilities.
• SumUp: Mobile payment platform offering payment links, QR-code payments, and POS terminals to SMBs across Europe. Comparable to Tikkie zakelijk in providing low-friction payment collection for small merchants via mobile-first tools.
• Pay.nl: Dutch payment service provider offering online checkouts, payment links, and POS terminals. Comparable to Tikkie zakelijk as a Dutch payment platform targeting SMBs and self-employed merchants.
• MultiSafepay: Amsterdam-based payment service provider offering payment processing, payment links, and integrations for Dutch and European merchants. Comparable to Tikkie as another Dutch-headquartered payment platform.

Broad incumbents

• Klarna: Global payment and BNPL provider offering payment links, in-app payments, and merchant services. Comparable to Tikkie in offering frictionless merchant payment collection at scale, though focused on installment/BNPL rather than request flows.
• ING Netherlands: Major Dutch bank offering its own payment apps, Tikkie-rival business payment tools, and iDEAL transactions. Competes with Tikkie for Dutch consumer and SMB payment mindshare through its own banking app ecosystem.
• iDEAL: The Dutch online payment standard that Tikkie is built on. While an infrastructure layer rather than a direct competitor, iDEAL is the dominant Dutch payment method and the rail on which Tikkie's entire product depends.
• Adyen: Amsterdam-based global payment platform offering online, mobile, and POS payment processing. Compares to Tikkie as a Dutch-headquartered payment platform but serves much larger enterprise merchants globally rather than SMBs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TikkieApp
• LinkedInlinkedin.com/company/tikkie
• Instagraminstagram.com/tikkie_app

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tikkie