Tikkie. The saviour of bill-splitting everywhere. It is a Dutch app from ABN AMRO that is free-to-use for iPhone and Android which allows users to conveniently send payment requests using WhatsApp or text message.
In the two years since its initial release in 2016 its customer base has risen to over 4 million users. Although it is an ABN AMRO initiative, clients of all Dutch banks can use Tikkie totally free of charge.