CITT

    Scan results

    ABN AMRO

    Android

    Make the move towards digital banking with ABN AMRO. The app is for everyone - beginners and professionals alike - enabling secure banking wherever you are. Manage accounts, transfer money, pay with iDEAL, invest, and handle mortgages and insurance all from your device.

    CITT SCORE
    72
    out of 100
    TRUSTish

    Quick Verdict

    Best for: ABN AMRO customers comfortable with analytics

    What It Means For You

    App usage and behavior is tracked by Firebase Analytics and Tealium, which collect data about how users interact with their account. AppDynamics monitors app performance, meaning technical details about user sessions are shared with a third party. Banking activity is well-protected in transit, but several third-party services do receive data about user activity.

    Method and Limitations

    Static analysis only. CITT reviewed the code of this build without running the app, so runtime behavior was not observed. The findings below describe the analyzed build and may not reflect server-side controls or later versions. CITT makes no determination about compliance with any law or platform policy; it reports what the artifacts contain and cites the published guidance so a reader can compare.

    How CITT scores an app

    Findings (10)

    Data Security

    2 total
    1 Medium
    1 Low

    Network Security

    1 total
    1 Medium

    Code Security

    4 total
    3 Medium
    1 Low

    Privacy

    2 total
    1 Medium
    1 Low

    Third-Party Risk

    1 total
    1 Low

    Third-Party Services

    Tealium, Firebase Analytics, AppDynamics, Subaio

    Security Strengths

    • ✓Certificate pinning implemented with 9 backup pins
    • ✓Hardware-backed encryption using Android Keystore
    • ✓Multi-factor authentication implemented
    • ✓Secure network communications
    • ✓No SQL injection vectors found
    • ✓No SSL/TLS bypass code
    What changed since the last scan

    Version diff is on the Developer plan. See developer plans.

    Context Tags

    financial
    sensitive data
    banking
    analytics
    third party tracking

    Package

    com.abnamro.nl.mobile.payments

    Version

    13.11

    Analysis Date

    Dec 19, 2025

    Classes Analyzed

    4,198

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    View on Play Store

    Recommendation: Trustworthy

    Key Findings

    Data Security - 2 findings (1 medium, 1 low)

    Network Security - 1 finding (1 medium)

    Code Safety - 0 findings

    Privacy - 2 findings (1 medium, 1 low)

    Privacy Concerns

    What Data is Collected

    ABN AMRO collects data about how users use the app, including in-app interactions and session activity. This data is processed by multiple third-party analytics platforms to understand usage patterns and monitor performance.

    Third-Party Data Sharing

    Usage data is shared with the following services:

    • Tealium - Collects and routes data about user in-app behavior to other analytics systems.
    • Firebase Analytics - Tracks how users interact with features inside the app.
    • AppDynamics - Receives technical session data for performance monitoring purposes.
    • Subaio - Provides subscription tracking and management features within the app.

    Understanding the Scores

    CategoryScore
    Security75/100
    Privacy70/100
    Data Security65/100
    Network Security92/100
    Code Safety73/100
    Data Collection75/100
    Data Sharing68/100
    User Control70/100

    Positive Security Features

    • Network communications are strongly secured (92/100), keeping financial transactions well-protected as they travel between the device and ABN AMRO's servers.

    Areas for Improvement

    • How certain data is stored on device could be strengthened to better protect account information if the device were ever lost or accessed by someone else.
    • The number of third-party services that receive data about user activity could be reduced, limiting how banking behavior is shared.
    • Greater transparency and user controls over analytics data collection would allow users more say over what is tracked while using the app.

    About This Analysis

    This scorecard reflects automated analysis of the app's code and configuration at the time of the scan. Scores and findings may change as the app is updated.

    App Details

    • App Name: ABN AMRO
    • Package ID: com.abnamro.nl.mobile.payments
    • Version: 13.11
    • Platform: Android
    • Scan Date: December 19, 2025

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