Knip vs Tikkie
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Knip
Manage your credits and view transaction history for your account. Use your account for payments at various participating locations, including sports clubs and events.
- Credit top-up
- Transaction history
- Online account management
- Payment at partner locations
- Event payments
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You can use the KNIP app to top up your credits online on your KNIP account and you can see all of your transactions. Moreover, you can use your KNIP account at different locations of Twelve (sports club, business caterers, stadiums and events). Ask the organization if you can pay with your KNIP account.
Tikkie
Easily request and send money to friends and family. Share payment links via messaging apps to get paid back quickly without exchanging bank details. Track group expenses and enjoy cashback deals.
- Send payment requests
- Receive money easily
- Group expense tracking
- Cashback deals
- No bank account exchange
- Business payment requests
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Requesting back your money and paying back other people doesn’t have to be difficult. Tikkie lets your friends pay you back quickly and easily over WhatsApp, Telegram, Messenger or by text message. And it’s really easy to transfer money with Tikkie, no matter where you bank. Anyone can use Tikkie! When to use Tikkie Tikkie comes in handy when you have paid for someone else and you want your money back, or when someone else has paid for you and you need to pay them back. Whether it’s a one-off purchase or various different group expenses, Tikkie can be used in any situation. You might have paid for: • drinks with your club friends; • a present for a colleague; • festival tickets; • weekend away with friends; • household expenses in your student house. Really easy payment requests Simply use Tikkie to send a payment request over WhatsApp, Telegram or Messenger, by text message, or however else you want. The request will contain a link that your friends can use to pay you back. So you no longer need to exchange account numbers! Your friends don’t need to have Tikkie, but they do need a Dutch current account, and a Dutch, Belgian or German phone number. Tip: you can now also let your friends fill in the amount themselves. That’s handy when different people owe you different amounts. Track your group expenses and settle up Tikkie makes it easy for you to keep track of group expenses too. Create a Groepie, invite your friends, and you’re good to go. All of the group members can add and settle up expenses, with a Tikkie of course! Good to know: your friends need the Tikkie app to join a Groepie. Unique deals with Tikkie Terug Get money back from well-known brands thanks to cashback promotions! If you see a QR code in a shop or on an online promotion page, simply scan it with the Tikkie app and get all or part of the purchase price back right away. iDEAL | Wero payments Your friends pay you back using iDEAL | Wero and their own banking app, and the money is paid straight into your current account. Payments through Tikkie also use iDEAL | Wero and we don’t charge any transaction fees for this. For businesses too If you’re an ABN AMRO business client, make things easy on yourself and your customers by sending a payment request! Tikkie is also available to businesses, from self-employed individuals to multinationals. Your invoices are paid fast and your customers are happy. They don’t need cash, and you don’t need an expensive payment terminal. ABN AMRO initiative Tikkie is an ABN AMRO initiative, which means your details are secure. ABN AMRO only uses your details for the payments requests and payments, and not for any commercial activities.
Screenshots
Verdict
The clearest difference is rating: Tikkie at 4.8 against Knip's 1.0. Tikkie also leads on ratings volume (1.5K vs 1) and review sentiment (19% vs 0%). Knip's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (11.0 vs 16.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Tikkie holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: Tikkie has 1.5K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of Knip's written reviews are positive against 19% of Tikkie's.
Knip ships an update every 3 weeks, Tikkie monthly. The most recent releases landed on October 7, 2026 and October 22, 2026 respectively.
| Parameter | Knip | Tikkie |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 4.8 (1.5K ratings) — better |
| Positive reviews | 0.0% of reviews | 18.7% of reviews — better |
| Number of ratings | 1 | 1.5K — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 11.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 25 MB | 239 MB |
| Age rating | 4+ | 4+ |
| Developer | Twelve B.V. | ABN AMRO Bank N.V. |
Customer experience
Knip
Tikkie
Bugs and requests
Knip
Not enough reviews yet to summarise bugs or requests.
Tikkie
Reported bugs
2 issues- Incompatible with new iPhone models
- Doesn't work with non-Dutch IBANs
Requested features
5 requests- Support for Belgian bank accounts
- Support for non-Dutch phone numbers
- Support for more European countries
- History of paid Tikkies
- Bancontact integration for Belgium
In-app purchases
Knip
No in-app purchases
Tikkie
No in-app purchases









