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Introduction to APIs

What is an API?


API is an acronym for Application Programming Interface. An API is a standard non-graphical interface that makes an application’s functionality available to other applications over a network.

Imagine the possibilities if you could connect an application to another, with almost the ease of plugging in a USB-cable. In the case of USBs, through a widely accepted standard, you can connect different devices to your PC, adding capabilities and value.
Similarly, APIs also enable you to combine application functionalities and services via a standardized interface. With these digital building blocks, you can for instance retrieve account information or initiate a payment from your own connected application.

Not a new technology

Companies such as Apple, Spotify and Dutch railway operator NS show that providing strategically selected services to third parties can add great client value. For example, Google Maps uses the NS API to show departures times in real time.

New in banking

ABN AMRO's goal is to provide clients with the ability to control their finances, so that they are in a position to make decisions that are right for them. This is done by developing products and services that are fast, simple, and personalized.
By offering API products next to proprietary channels, you can leverage ABN AMRO's capabilities to reinvent your customer experience, automate your processes, and build a future-proof banking solution.

ABN AMRO APIs for you

Our APIs enable you to make processes easier and more efficient, increase transparency and insights into your financial value chain, and help you to innovate.

The digital building blocks can serve multiple different purposes within your organization. The processes you optimize depend on your specific needs and wants.

What we offer:

  • Create applications
  • Real-time data & interactions
  • Real-time access (24/7)
  • Standardized format
  • Connectivity
  • Machine-to-machine

Benefits of using APIs:

  • Improved experiences
  • Real-time insights
  • Reduce costs
  • Reduce risks
  • Increase revenue
  • Increase efficiency

What could you build?

Credit management

Starting Point:
Reliable and timely data is required in order to have a good credit management.

Business Account Insight


1. Set credit limits

Determine your internal credit limits and keep track of debtor levels.

2. Instant reconciliation

A direct feed into your preferred system allows real-time, fully-automated reconciliation.


Instant insight give you more control on amounts due. This helps to reduce risks and optimizes sales.

Customer care

Starting Point:
Reliable and timely data is needed to optimize customer care.

Business Account Payment


1. Settle complaint

A customer complaint on the delivered service is being settled via a payment return.

2. Instant orders

A direct feed into your preferred system triggers a payment order and notifies the beneficiary party.


Having payment settlements leads to increased customer trust. The customer's experience will improve.

Optimize positions

Starting Point:
Reliable and timely data is needed in order to optimize cash pool positions.

Business Account Payment +
Business Account Notification

Mobile alert

1. Set balance limits

Determine your internal balance limits and receive a notification when a lower/upper limit is reached.

2. Instant settlements

A direct feed into your preferred system triggers an automated payment to settle the balance.


Instant insights into balance details leads to more control on your cash positions, and lower risks.

Download the API Guide
Get the full picture and start working with APIs

When you consider to start working with APIs, there are some important steps to think about. From your use case and stakeholder buy-in; to technical implementation and execution. To help you with the most essential steps, we created an API Guide. It is based on our own experience and of our customers.

Use cases of others

Learn what others have built and how!

Our Developer Blog is a place for all business and IT developers. We share insights about innovation and tech, give you updates on our APIs, and share the best stories to celebrate your accomplishments and contributions.

Ready? Give it a spin!

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Check the frequently asked questions or contact us. We are happy to help.

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