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The use of personal data, with or without your consent

We usually use your personal data without your legal consent. The law allows this. We do this because: 

 
  • this is necessary because of the agreement we have with you. After all, we need personal data from you to enter into and perform the agreement.
  • the law requires us to use your personal data, for example to identify you as a customer. 
  • there is a legitimate interest of the bank or a third party, such as in fraud prevention and if we want to send you a message about Safe Banking.

Sometimes we do need to ask for your consent. We will then first explain to you what we use personal data for before you provide us with your personal data. We advise you to carefully read the information we give you on the use of your personal data first. 

Have you given consent? And would you like to withdraw it? This can be done very easily. You can read how to do this for example in the form or in the app where your consent is explicitly asked for.

When do we ask for your consent? At least in the following cases:

  1. If we use biometric technologies, such as facial recognition for identity verification, for example.
  2. If we place cookies and similar techniques on our websites and/or apps to provide you with personalised offers. You can read more about this in the Cookie Statement. 
  3. If we want to send you commercial messages about products or services from one of our Partners, for example in the context of sustainable real estate. You can read more about this under "Tips and Offers".
  4. If we send you commercial messages based on your individual payment details. You can read more about this under "Tips and Offers".
  5. If we use automated decision-making and profiling and the law states that we need your consent to do so.


The Payment Services Directive is a European law for payment transactions. This law also allows you to give third parties access to your payment data. If another party requests access to your payment data and account information so that you can use external (payment) services, you first give permission to the provider of this service. You will then confirm to us that this party obtains access to your account information at ABN AMRO. If you wish to add your accounts held at other banks to ABN AMRO Internet Banking and the ABN AMRO app, you will also give permission.