# Security & Privacy Scorecard

## ABN AMRO

**Version:** 13.11 | **Analyzed:** December 19, 2025 | **Package:** com.abnamro.nl.mobile.payments

## What This 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.

## Recommendation: Trustworthy

**Best For:** ABN AMRO customers comfortable with analytics

## 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

| Category | Score |
|---|---|
| Security | 75/100 |
| Privacy | 70/100 |
| Data Security | 65/100 |
| Network Security | 92/100 |
| Code Safety | 73/100 |
| Data Collection | 75/100 |
| Data Sharing | 68/100 |
| User Control | 70/100 |

## 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.

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## 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