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5 tools to make your banking even more secure

Take action against fraud!

Just imagine it, falling victim to fraud and losing all your money. You can take extra action to keep your money even safer. Using the  5 security tools  will make things more difficult for scammers. Clients tell us that it makes them feel safe.

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. 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 will prevent you from losing your savings if you accidentally fall for a scam. 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. Or off (it's just as easy)

  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.

If you need to access your savings, make sure you turn the Savings Lock off in good time. It will take 24 hours before you can transfer money from your savings account.

Here’s how to turn on the Savings Lock on Internet Banking. Or off (it's just as easy)

  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.

If you need to access your savings, make sure you turn the Savings Lock off in good time. It will take 24 hours before you can transfer money from your savings account.

Turn on the Savings Lock Read more about the Savings Lock
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.

Change card limit Read more about the card limit
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 enable in the app.

Here’s how to enable push notifications in the app

  1. Open the app and go to Profile (bottom-right corner) > Set push notifications. Tap the slider to turn on push notifications. 
  2. If a message appears on your screen, tap Allow.
  3. To personalise push notifications, tap Payments and select an account. Set your preferences and tap Save.

Once you’ve done that, check to see if the app has been given permission to send push notifications. To do so, exit the ABN AMRO app and go to your device settings.

  1. Go to Settings > Notifications.
  2. Tap the ABN AMRO app.
  3. You will see a slider here. If it is set to on, you don’t need to do anything. If not, tap the slider to allow notifications.

These steps may be slightly different on your device. Check your device’s manual for help.

Read more about push notifications
4. 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 €250,000. 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 €250,000. 
  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. 
Read more about the daily limit
5. 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.
Change payment profile Read more about payment profiles
1. Savings Lock
2. Card limit
3. Push notifications
4. Daily limit
5. Payment profile

1. 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 will prevent you from losing your savings if you accidentally fall for a scam. 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. Or off (it's just as easy)

  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.

If you need to access your savings, make sure you turn the Savings Lock off in good time. It will take 24 hours before you can transfer money from your savings account.

Here’s how to turn on the Savings Lock on Internet Banking. Or off (it's just as easy)

  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.

If you need to access your savings, make sure you turn the Savings Lock off in good time. It will take 24 hours before you can transfer money from your savings account.

Turn on the Savings Lock Read more about the Savings Lock

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.

Change card limit Read more about the card limit

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 enable in the app.

Here’s how to enable push notifications in the app

  1. Open the app and go to Profile (bottom-right corner) > Set push notifications. Tap the slider to turn on push notifications. 
  2. If a message appears on your screen, tap Allow.
  3. To personalise push notifications, tap Payments and select an account. Set your preferences and tap Save.

Once you’ve done that, check to see if the app has been given permission to send push notifications. To do so, exit the ABN AMRO app and go to your device settings.

  1. Go to Settings > Notifications.
  2. Tap the ABN AMRO app.
  3. You will see a slider here. If it is set to on, you don’t need to do anything. If not, tap the slider to allow notifications.

These steps may be slightly different on your device. Check your device’s manual for help.

Read more about push notifications

4. 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 €250,000. 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 €250,000. 
  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. 
Read more about the daily limit

5. 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.
Change payment profile Read more about payment profiles

Secure banking is something we need to work on together

We do everything we can to make sure you can do your banking securely. We also take measures and do our best to prevent fraud. For example, we try to take down fake websites, and we close accounts belonging to scammers. Read on to find out what else you can expect from us:

Frequently asked questions

Why does ABN AMRO offer security tools?

We offer these tools so that you can take extra measures to make things more difficult for scammers. 

Can I set up all the security tools?

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.  

How does the Savings Lock protect me from being scammed?

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 will prevent you from losing your savings if you accidentally fall for a scam.

How does a lower card limit protect me from being scammed?

Your card limit is the amount you can withdraw from an ATM or spend in shops each day using your debit card. Scammers may ask you by email, letter or over the phone to send in your debit card. Sometimes they install a small device or a tiny camera on an ATM’s card slot (skimming). Or they try to distract you while you’re withdrawing cash so that they can watch you enter your PIN and or steal your debit card.

If you don’t set your card limit too high, you can limit the financial losses if you fall victim to debit card fraud.

How do push notifications protect me from being scammed?

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.

How does setting a daily limit protect me from being scammed?

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.

Can I set up push notifications and the daily limit only in the app?

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.

How do I know if my card limit is right?

Setting a card limit is something very personal. Set your card 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.

How do I know if my daily limit is right?

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.

What should I do if I think I’m dealing with a scammer or have been scammed?

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.

More about fraud and secure banking