ApideckTape
← Embedded Finance Index 2026/Banks

ABN AMRO Bank

Transaction bank
LendingBaaSSponsor Bank

Transaction bank tracked in the Embedded Finance Index. Named by 2 companies, most often as their sponsor bank. Sells embedded finance as ABN AMRO Embedded Finance.

abnamrobank.com ↗Also analysed as a company — its own stack →
TypeTransaction bank
OfferingABN AMRO Embedded Finance
Used asSponsor bank, Banking-as-a-Service, Lending partner
Rank#72 of 201 in Sponsor Bank
Buyers2 companies
HeadquartersAmsterdam, Netherlands
Founded1991

Claim this profile. Work at ABN AMRO Bank? Verify your work email to unlock the full buyer list.

How companies use ABN AMRO Bank

2 companies name ABN AMRO Bank in their stack. The most common role is sponsor bank (2). A company can use the same bank for more than one thing. Compare it with what ABN AMRO Bank says it sells, below.

Sponsor bank2
Banking-as-a-Service1
Lending partner1
How ABN AMRO sells embedded financeTransaction bank

ABN AMRO Embedded Finance ↗

ABN AMRO frames embedded finance as bringing the bank closer to end users: platform providers get integrated products so their business customers never switch to a bank app. Its flagship is B2B Pay Later, built with Two.

What it offers
  • B2B Pay Later. 30-day invoice terms for buyers; the seller is paid after delivery.
  • Embedded SME lending. Fully digital business credit.
  • Payments. Automated payments inside partner platforms.
  • Fraud and information services. Offered as embedded services.
Sells to
platform providersB2B e-commerce sellersSMEs
Delivery
Direct APIs
Claims and record
  • B2B Pay Later pilot for business clients launched December 2024. abnamro.com ↗
Programs and partners it names
B2B payments technology behind Pay Later.
source ↗
The bank’s own positioning and claims, checked against its pages 2026-10. Partners named here come from the bank and are not counted as buyer disclosures. Compare how banks sell embedded finance.
Background · from ABN AMRO Bank’s own dossier

ABN AMRO is a 200+ year-old Dutch universal bank reconstituted in 1991 and re-listed in 2015 following its 2008 break-up and Dutch state rescue. Over the last five years the bank has built an explicit Embedded Finance proposition — wrapping its own Dutch banking rails, Tikkie payment requests, SME lending (via subsidiary New10), Achteraf Betalen B2B BNPL, FX, and Banking-as-a-Service deposit accounts (via ABN AMRO Clearing Bank) into APIs that platforms can embed. It is also a TPP-enabler under PSD2 via its Developer Portal.

Latest round: IPO, November 2015
Recent developments
  • 2026-10-07Participant in the CBMT (Commercial Bank Money Token) sandbox — a tokenized-deposit network led by Germany's Deutsche Kreditwirtschaft banking association, where tokens remain regulated deposits on the issuing bank's own balance sheet (not a stablecoin) and settle B2B/corporate payments on DLT in EUR, USD, JPY, and NOK. As of October 2026 the network counts 8 banks: Commerzbank, DZ Bank, Helaba, UniCredit, BNP Paribas, DNB, Commercial Bank of Dubai, and ABN AMRO — Commercial Bank of Dubai being the first non-European participant, extending the network into a Europe-Gulf settlement corridor. source ↗
Full dossier: ABN AMRO Bank’s own stack, layer by layer →
Who uses ABN AMRO Bank
2 companies disclose ABN AMRO Bank in their stack
MONEYOUNew10
Buyer mix · 2 of 2 classified
Fintech / Consumer banking · 1Fintech / Lending · 1
EU · 2
What the disclosures say
MONEYOU
“Moneyou B.V. is a wholly-owned subsidiary of ABN AMRO Bank N.V., which holds the Dutch banking licence (DNB).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent ABN AMRO Bank? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where ABN AMRO Bank’s disclosed buyers are headquartered. Represent ABN AMRO Bank? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

What ABN AMRO Bank runs on · from its own dossier
The third-party providers ABN AMRO Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose ABN AMRO Bank.
PSP
European Merchant ServicesFiserv — EMS acquiring partnerAchteraf Betalen
Card Issuing
International Card Services
Ledger
Panopticon
Spend / AP
Exact SRXP
Open Banking
ABN AMRO Developer Portal
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust101 buyers →Sutton Bank65 buyers →Cross River64 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for ABN AMRO Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #72 of 201 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/abn-amro-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/abn-amro-bank.svg"
       alt="Ranked #72 of 201 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/abn-amro-bank/install" width="1" height="1" alt="" style="display:none">

ABN AMRO Bank — frequently asked

Which companies use ABN AMRO Bank?

2 companies disclose ABN AMRO Bank in their stack in the Embedded Finance Index 2026, including MONEYOU and New10.

What do fintechs use ABN AMRO Bank for?

ABN AMRO Bank is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (2), banking-as-a-service (1) and lending partner (1).

Does ABN AMRO Bank offer embedded finance?

Yes, as ABN AMRO Embedded Finance. ABN AMRO frames embedded finance as bringing the bank closer to end users: platform providers get integrated products so their business customers never switch to a bank app. Its flagship is B2B Pay Later, built with Two.

What are the alternatives to ABN AMRO Bank?

The most-disclosed Sponsor Bank alternatives to ABN AMRO Bank are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is ABN AMRO Bank headquartered?

ABN AMRO Bank is founded in 1991 and headquartered in Amsterdam, Netherlands.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against ABN AMRO Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to ABN AMRO Bank and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.