How do I Set Up Your First Tikkie?

To send a Tikkie, you need three specific things: a smartphone, a Dutch bank account (IBAN), and a mobile phone number (Dutch, Belgian, or German numbers are all supported).

Step 1: Download and Link Your Account

1. Download the App: Search for “Tikkie” in the Apple App Store or Google Play Store.

1. Verify Your Number: Enter your mobile number. You will receive an SMS code to verify your identity.
2. Link Your IBAN: The app will ask for your Dutch bank account number. This is the account where the money will be deposited when people pay you.
   • Note: You can use any Dutch bank (bunq, ING, ABN AMRO, etc.).

Step 2: Creating Your First Request

1. Tap the ‘+’ Icon: Open the app and start a new request.

1. Enter the Amount: Type in the exact amount you are owed.

1. Add a Description: Be specific (e.g., “Dinner at Loetje” or “Beer “). The Dutch appreciate clarity!
2. Share the Link: Tikkie will generate a unique URL. You can share this directly via WhatsApp (the most common way), SMS, or even a QR code for someone to scan on the spot.

Step 3: Settling Up with “Groepie”

If you are on a weekend trip or sharing a house, 2026’s most popular feature is Groepie.

• Instead of sending ten individual Tikkies, you create a “Groepie” in the app.

• Everyone adds their expenses throughout the trip.
• At the end, you hit “Settle Up”, and the app automatically calculates who owes what to whom, sending out the necessary Tikkies in one go.

4 Rules of Tikkie Etiquette

1. The 24-Hour Rule: It is considered polite to pay a Tikkie within 24 hours. Most Dutch people pay within 30 minutes of receiving one.
2. No Amount is Too Small: Don’t be offended if you receive a Tikkie for €1.20. It’s not about being stingy; it’s about keeping accounts clean.
3. Don’t “Forget” to Send: If you paid for the group, send the Tikkie immediately. Waiting three days makes it awkward for everyone to remember what it was for.
4. Check the Name: When you pay a Tikkie, the payment screen will show the recipient’s name. Always double-check this before hitting “Pay.”

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