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Tikkie payment request scam: is this real or fake?

Tikkie is a popular Dutch payment-request app — the easiest way to split a bill or ask someone to pay you back. Because it's so familiar and trusted, scammers love to abuse it. You get a link, it looks right, and before you know it you're on a fake bank login page handing over your credentials. Or you're selling something online and the "buyer" sends you a Tikkie "to check your account works" — which is really a way to steal from you.

Neither trick is hard to see once you know what to look for.

What a Tikkie scam looks like

A common variant (invented example):

Message via SMS or WhatsApp: "Hi! I gave the wrong address, can you pay the €0.01 shipping fee via Tikkie so the parcel can still be delivered? https://tikkie.me-betaal.net/xY7"

And the "reverse" variant that targets people selling on second-hand marketplaces:

"Great, I'd like to buy it! I'll send you a Tikkie for €0.01 first to check the payment works. Just click the link and log in with your bank, and I'll see if it goes through."

In that second version, you log in on a fake bank page and the scammers drain your account — while you thought they were paying you.

The tells that give it away

  1. The link is not a real Tikkie link. A genuine Tikkie goes to tikkie.me. Not tikkie.me-betaal.net, not tikkie-betalen.com. Read the full URL carefully.
  2. You're asked to "log in with your bank" to receive money. You never need to. Receiving a Tikkie payment does not require any bank login.
  3. A suspiciously small amount, like €0.01. This is designed to make the request seem harmless.
  4. An unknown or vague sender, or a "buyer" who is in a hurry and wants to deal outside the marketplace platform.
  5. A Tikkie from a company or authority you don't recognise. Businesses and government bodies do not send Tikkie requests for invoices or fines.

What to do

  • Don't click the link. If something feels off, it usually is.
  • Remember: to receive money you never need to log in anywhere. Anyone who asks you to is scamming you.
  • Not sure? Forward the message (or a screenshot) to check@islegit.email for a free verdict in under a minute.

What NOT to do

  • Don't log in via a link from a payment request.
  • Don't enter bank details or codes "just to test".
  • Don't continue with a buyer who asks you to pay via a Tikkie link outside the marketplace.

If you already logged in or paid

Call your bank immediately, block your account if necessary, and ask to reverse the transaction. Change your online banking password. Report it to your country's fraud service (in the Netherlands, the Fraudehelpdesk on 0800-2117) and file a police report.

Still not sure about an email? Forward it to check@islegit.email and get a clear verdict in under a minute.

Check an email

This is a safety aid, not a guarantee. We don't store your emails, and personal details are stripped before anything looks at them.

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Frequently asked

Can you get scammed through Tikkie?

Tikkie itself is legitimate, but scammers send fake links that look like Tikkie and lead you to a fake bank login page. Always check that the link goes to tikkie.me.

Do I need to log in to receive money through Tikkie?

No. Receiving money through Tikkie never requires you to log in to your bank. Anyone who asks you to do that is running a scam.

A buyer sent me a Tikkie to "test" the payment. Is that normal?

No. This is a well-known seller scam. A real buyer pays you; you never need to log in anywhere.

How do I report a fake Tikkie scam?

Report it to your country's fraud service (in the Netherlands, the Fraudehelpdesk on 0800-2117) and to ABN AMRO (Tikkie's owner) via their phishing address. You can also forward the message to us.