Tikkie Gate

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Tikkie is a Dutch payment app operated as an initiative of ABN AMRO. It allows people to request and receive money through WhatsApp payment links or QR codes, making it easier to repay friends, split bills, and settle group expenses. Tikkie has been the subject of criticism from users concerning its data-collection and privacy practices. Customers have questioned whether the company collects information beyond what is necessary to provide its payment services.

The EU has reported that the application requests access to various categories of information, including: Contact lists, Location information, Device identifiers, Technical information and Usage and behavioural data.

Critics have argued that some of these categories of information appear unrelated to the application's core payment functionality. Particular criticism has focused on whether users are able to meaningfully prevent the collection of optional analytical and tracking information. Tikkie collects technical and analytical information concerning how its application is used the EU has found that certain forms of data collection continue after optional tracking features have been disabled.

Data-access and deletion requests

The EU has found users have reported difficulties exercising privacy rights through Tikkie.

Some customers experienced difficulty locating procedures for requesting copies of their personal information or requesting deletion of their data. Some users further reported delays or incomplete responses from customer support.

Regulatory concerns

The controversy has raised questions concerning Tikkie's compliance with applicable Dutch and European data-protection requirements. The EU has found that Tikkie adequately did not inform users about its processing activities, and that the information collected was unnecessary for stated purposes, and users were not provided with meaningful control over optional processing.