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ABN AMRO

5 tools to make your banking even more secure

#eliminatefraud

Just imagine it, falling victim to fraud and losing all your money. If you want to do something extra to keep your money even safer, you can take measures to make things more difficult for scammers. Get to know the  5 security tools  and eliminate fraud.  

ABN AMRO

5 frequently used security tools

These free and easy-to-set-up tools help you protect your money even better against fraud. Try one or use them all: you decide what’s best for you and your situation. 

1. Daily limit

Your daily limit is the amount you can transfer per day via the ABN AMRO app without the e.dentifier. If you want to transfer more than your current daily limit, you will first need to increase your limit in the app. You can set a limit of up to €50,000. For your security, it always takes four hours for a higher limit to take effect. This is to protect you from scammers.

Imagine, for example, someone pretending to be a family member or friend on WhatsApp asking you to transfer money to them quickly for some kind of emergency (WhatsApp fraud). By keeping your daily limit low, or only increasing it temporarily, you limit your financial losses should you unwittingly fall for such a scam.

Tip: set your daily limit to match your personal situation. Not so low that you can no longer do your daily banking, and not so high that you run more risk of major financial losses in the event of fraud. 

Here’s how to change your daily limit in the app

  1. Log in to the app. 
  2. Tap ‘Profile’ (bottom-right corner of your screen). 
  3. Tap ‘Daily transfer limit’. 
  4. Set your daily limit, up to a maximum of €50,000. 
  5. To protect you from scammers, we will ask you whether or not you want to proceed with the limit increase. 
  6. If your new limit is higher than €2,500, you will have to set an end date as well (this is more secure, because you will automatically revert to your previous limit after that date). 
  7. Confirm with your identification code, your fingerprint, or facial recognition. 
  8. You will receive a Bankmail message to confirm that you have raised your limit. 
  9. Your higher daily limit will take effect after four hours. 
2. Card limit

Your card limit is the amount you can withdraw or spend in shops each day using your debit card. Don’t set your card limit too high, so as not to expose yourself to major financial losses in the event that your debit card is stolen or switched (debit card fraud). If your debit card has been stolen or you’ve lost it, make sure you block your card as soon as possible.

Change your card limit with ease in the app or on Internet Banking. Tip: be smart about setting your card limit. Not so low that you can no longer do your daily banking, and not so high that you run more risk of major financial losses in the event of fraud. 

Here’s how to change your card limit in the app

  1. Log in to the app.
  2. Select the current account for which you want to change the limit.
  3. Go to ‘Self-service’ in the top-right corner of your screen and tap ‘Debit cards’.
  4. Select the debit card for which you want to change the limit.
  5. Tap ‘General settings’.
  6. To change the limit for payments in shops, tap ‘Daily payment limit’ and choose the limit you want. You can’t choose an amount higher than your account balance.
  7. To change the limit for cash withdrawals at an ATM, tap ‘Daily withdrawal limit’ and choose the required limit. You can’t choose an amount higher than your account balance.

Your limit will work straight away. No need to wait.

Here’s how to change your card limit on Internet Banking

  1. Click the button below and log in.
  2. To change the limit for payments in shops, go to ‘Debit card settings’ and then ‘Payment limit’.
  3. To change the limit for cash withdrawals at an ATM, go to ‘Debit card settings’ and then ‘Withdrawal limit’.
  4. Move the toggle to the limit you want and then choose ‘Temporary’ or ‘Permanent’.
  5. Click ‘Save’ and confirm the order.

Your limit will work straight away. No need to wait.

3. Push notifications

Push notifications bring you up to date quickly on any changes on your current account. You will get a notification from the app when, for example, money has been debited from your account. It is up to you to choose the amount from which you want the app to trigger a push notification. 

Imagine that you have inadvertently given scammers access to your current account by clicking a fake link (phishing). If you have set up push notifications for transfers out of your account, the app will send a notification for each transfer from the amount you set. If something is not right, you will know about it right away. This way you can immediately have your account blocked to make sure things don’t go from bad to worse. Push notifications are quick and easy to set up in the app.

Here’s how to set up push notifications in the app

  1. Log in
    Open the ABN AMRO app on your device and log in.
  2. Enable push notifications
    Tap ‘Profile’ (bottom-right corner of your screen), followed by ‘Set push notifications’. Select the account you want.
  3. Set up your notifications
    Set which push notifications you want to receive and tap ‘Save’. Once you’ve done that, you’ll automatically receive your notifications!
Read more about push notifications
4. Payment profile

We advise you to always keep your debit card set to the ‘Europe’ profile. This will ensure better protection in the event that your debit card details are copied without you realising it (skimming). If you fall victim to skimming, the scammers will not be able to use your debit card outside Europe. Only set your payment profile to ‘World’ when travelling outside Europe. You can change your payment profile in just a few steps in the app or on Internet Banking.

Here’s how to change your payment profile in the app

  1. Log in.
  2. Tap ‘Profile’ and then ‘Debit cards and wearables’.
  3. Tap ‘Debit card settings’, select your debit card and tap ‘General settings’.
  4. This is where you can switch your profile from ‘Europe’ to ‘World’ and change your limits for payments and cash withdrawals.
  5. Confirm with your identification code, your fingerprint or Touch ID/Face ID.

Here’s how to change your payment profile on Internet Banking

  1. Click the button below and log in.
  2. Do you want to switch your profile from Europe to World? Then, under 'Debit card settings', click 'International use'.
  3. This is where you can select the region 'World'.
  4. Set the end date for the change and click 'Save'.
5. Savings Lock

The Savings Lock lets you get your savings extra protected from scammers who want to steal your money. By posing as an employee of the bank, for example, they try to win your trust and get you to transfer your money to a ‘secure account’ (boiler room fraud).

If the Savings Lock is on, nobody can access your savings — not even you! This way, you can make sure you don’t lose all your savings if you fall victim to fraud. Turn on the Savings Lock in just a few taps or clicks in the ABN AMRO app or on Internet Banking.

Here’s how to turn on the Savings Lock in the app

  1. Open the ABN AMRO app and log in.
  2. Tap the savings account for which you want to turn on the Savings Lock.
  3. Tap ‘Self service’ in the top-right corner of your screen.
  4. Tap ‘Turn Savings Lock on or off’.
  5. A screen now opens in Internet Banking.
  6. If you have several savings accounts, click the savings account for which you want to turn on the Savings Lock at the top of your screen.
  7. Set the slider to ‘on’
  8. Confirm that you want to turn on the Savings Lock using the ‘Turn the Savings Lock on’ button.

Here’s how to turn on the Savings Lock on Internet Banking

  1. Go to Internet Banking and log in.
  2. In the account overview, click your savings account.
  3. Next, click ‘Turn your Savings Lock on/off’ (top left under ‘New transfer’).
  4. If you have several savings accounts, click the savings account for which you want to turn on the Savings Lock at the top of your screen.
  5. Set the slider to ‘on’ and then click ‘Turn the Savings Lock on’.

1. Daily limit

Your daily limit is the amount you can transfer per day via the ABN AMRO app without the e.dentifier. If you want to transfer more than your current daily limit, you will first need to increase your limit in the app. You can set a limit of up to €50,000. For your security, it always takes four hours for a higher limit to take effect. This is to protect you from scammers.

Imagine, for example, someone pretending to be a family member or friend on WhatsApp asking you to transfer money to them quickly for some kind of emergency (WhatsApp fraud). By keeping your daily limit low, or only increasing it temporarily, you limit your financial losses should you unwittingly fall for such a scam.

Tip: set your daily limit to match your personal situation. Not so low that you can no longer do your daily banking, and not so high that you run more risk of major financial losses in the event of fraud. 

Here’s how to change your daily limit in the app

  1. Log in to the app. 
  2. Tap ‘Profile’ (bottom-right corner of your screen). 
  3. Tap ‘Daily transfer limit’. 
  4. Set your daily limit, up to a maximum of €50,000. 
  5. To protect you from scammers, we will ask you whether or not you want to proceed with the limit increase. 
  6. If your new limit is higher than €2,500, you will have to set an end date as well (this is more secure, because you will automatically revert to your previous limit after that date). 
  7. Confirm with your identification code, your fingerprint, or facial recognition. 
  8. You will receive a Bankmail message to confirm that you have raised your limit. 
  9. Your higher daily limit will take effect after four hours. 

2. Card limit

Your card limit is the amount you can withdraw or spend in shops each day using your debit card. Don’t set your card limit too high, so as not to expose yourself to major financial losses in the event that your debit card is stolen or switched (debit card fraud). If your debit card has been stolen or you’ve lost it, make sure you block your card as soon as possible.

Change your card limit with ease in the app or on Internet Banking. Tip: be smart about setting your card limit. Not so low that you can no longer do your daily banking, and not so high that you run more risk of major financial losses in the event of fraud. 

Here’s how to change your card limit in the app

  1. Log in to the app.
  2. Select the current account for which you want to change the limit.
  3. Go to ‘Self-service’ in the top-right corner of your screen and tap ‘Debit cards’.
  4. Select the debit card for which you want to change the limit.
  5. Tap ‘General settings’.
  6. To change the limit for payments in shops, tap ‘Daily payment limit’ and choose the limit you want. You can’t choose an amount higher than your account balance.
  7. To change the limit for cash withdrawals at an ATM, tap ‘Daily withdrawal limit’ and choose the required limit. You can’t choose an amount higher than your account balance.

Your limit will work straight away. No need to wait.

Here’s how to change your card limit on Internet Banking

  1. Click the button below and log in.
  2. To change the limit for payments in shops, go to ‘Debit card settings’ and then ‘Payment limit’.
  3. To change the limit for cash withdrawals at an ATM, go to ‘Debit card settings’ and then ‘Withdrawal limit’.
  4. Move the toggle to the limit you want and then choose ‘Temporary’ or ‘Permanent’.
  5. Click ‘Save’ and confirm the order.

Your limit will work straight away. No need to wait.

3. Push notifications

Push notifications bring you up to date quickly on any changes on your current account. You will get a notification from the app when, for example, money has been debited from your account. It is up to you to choose the amount from which you want the app to trigger a push notification. 

Imagine that you have inadvertently given scammers access to your current account by clicking a fake link (phishing). If you have set up push notifications for transfers out of your account, the app will send a notification for each transfer from the amount you set. If something is not right, you will know about it right away. This way you can immediately have your account blocked to make sure things don’t go from bad to worse. Push notifications are quick and easy to set up in the app.

Here’s how to set up push notifications in the app

  1. Log in
    Open the ABN AMRO app on your device and log in.
  2. Enable push notifications
    Tap ‘Profile’ (bottom-right corner of your screen), followed by ‘Set push notifications’. Select the account you want.
  3. Set up your notifications
    Set which push notifications you want to receive and tap ‘Save’. Once you’ve done that, you’ll automatically receive your notifications!
Read more about push notifications

4. Payment profile

We advise you to always keep your debit card set to the ‘Europe’ profile. This will ensure better protection in the event that your debit card details are copied without you realising it (skimming). If you fall victim to skimming, the scammers will not be able to use your debit card outside Europe. Only set your payment profile to ‘World’ when travelling outside Europe. You can change your payment profile in just a few steps in the app or on Internet Banking.

Here’s how to change your payment profile in the app

  1. Log in.
  2. Tap ‘Profile’ and then ‘Debit cards and wearables’.
  3. Tap ‘Debit card settings’, select your debit card and tap ‘General settings’.
  4. This is where you can switch your profile from ‘Europe’ to ‘World’ and change your limits for payments and cash withdrawals.
  5. Confirm with your identification code, your fingerprint or Touch ID/Face ID.

Here’s how to change your payment profile on Internet Banking

  1. Click the button below and log in.
  2. Do you want to switch your profile from Europe to World? Then, under 'Debit card settings', click 'International use'.
  3. This is where you can select the region 'World'.
  4. Set the end date for the change and click 'Save'.

5. Savings Lock

The Savings Lock lets you get your savings extra protected from scammers who want to steal your money. By posing as an employee of the bank, for example, they try to win your trust and get you to transfer your money to a ‘secure account’ (boiler room fraud).

If the Savings Lock is on, nobody can access your savings — not even you! This way, you can make sure you don’t lose all your savings if you fall victim to fraud. Turn on the Savings Lock in just a few taps or clicks in the ABN AMRO app or on Internet Banking.

Here’s how to turn on the Savings Lock in the app

  1. Open the ABN AMRO app and log in.
  2. Tap the savings account for which you want to turn on the Savings Lock.
  3. Tap ‘Self service’ in the top-right corner of your screen.
  4. Tap ‘Turn Savings Lock on or off’.
  5. A screen now opens in Internet Banking.
  6. If you have several savings accounts, click the savings account for which you want to turn on the Savings Lock at the top of your screen.
  7. Set the slider to ‘on’
  8. Confirm that you want to turn on the Savings Lock using the ‘Turn the Savings Lock on’ button.

Here’s how to turn on the Savings Lock on Internet Banking

  1. Go to Internet Banking and log in.
  2. In the account overview, click your savings account.
  3. Next, click ‘Turn your Savings Lock on/off’ (top left under ‘New transfer’).
  4. If you have several savings accounts, click the savings account for which you want to turn on the Savings Lock at the top of your screen.
  5. Set the slider to ‘on’ and then click ‘Turn the Savings Lock on’.

Frequently asked questions

We do everything we can to make sure you can do your banking securely. On the preventing fraud page, you can read what exactly you can expect from us. But you can also do something extra yourself to keep your money even safer. We offer these tools to enable you to take measures yourself to make things more difficult for scammers.  

Yes, you can. In fact, it’s the wise thing to do. Do make sure, however, that the tools don’t limit you in doing your day-to-day banking or making non-everyday purchases. For example, if you want to transfer money from your savings account (quickly) to buy concert tickets, but you have the Savings Lock turned on, bear in mind that you have to wait 24 hours after turning off the Savings Lock before you can transfer money from your savings account.  

Imagine that you have inadvertently given scammers access to your current account by clicking a fake link. If you have set up push notifications for transfers out of your account, the app will send a notification for each transfer from the amount you set. If it is suspicious, you will know about it right away. This way you can immediately have your account blocked to make sure things don’t go from bad to worse.

The Savings Lock lets you get your savings extra protected from scammers who want to steal your money. By posing as an employee of the bank, for example, they try to win your trust and get you to transfer your money to a ‘secure account’. If the Savings Lock is on, nobody can access your savings — not even you! This way, you can make sure you don’t lose all your savings if you fall victim to fraud.

Your daily limit is the amount you can transfer in a day using the ABN AMRO app without having to confirm with your e.dentifier. Imagine someone pretending to be a family member or friend of yours on WhatsApp asking you to transfer money to them quickly for some kind of emergency. By keeping your daily limit low, you limit your financial losses in the event that you are tricked by this kind of scam.

For your security, it always takes four hours for a higher limit to take effect. This is to protect you from scammers. If you only want to raise your limit temporarily, simply set an end date. Your limit will then automatically be reset to your previous, lower limit after that date. This is more secure.

That’s right, you can only do that in the app. Notifications advising you that you are up to your daily limit are also sent only from the app.

Setting a daily limit is something very personal. Set your daily limit to match your personal situation. Not so low that you can no longer do your daily banking, and not so high that you run the risk of major financial losses in the event of fraud.

• We share our knowledge and experience, for example, with other banks and the police.
• We use two-factor authentication to make payments technically secure.
• We try to take down fake websites and tackle fake emails.
• We try to get stolen money back.
• We close accounts belonging to fraudsters.
• We try to recognise fraudulent payments.
• We work together with other banks to keep you up to date on secure banking.

If you think you’ve been scammed, or you’ve been through something suspicious, report the fraud to us, even if you’re not sure it was fraud. Report fraud on this page, which also explains what to do if you have lost your debit card, credit card or phone.