Moneyou was launched in 2008 as the online-only retail banking subsidiary of Dutch bank ABN AMRO. It was designed to be a modern, digital-first bank, operating without physical branches to offer competitive interest rates on savings products and mortgages. The company primarily targeted customers in the Netherlands and Germany, with previous operations in Belgium and Austria. In late 2020, ABN AMRO announced the decision to discontinue Moneyou's activities, citing the persistently low-interest-rate environment which challenged the viability of a savings-only model. The phasing out of all services was completed in 2021, with customer accounts being either closed or migrated to ABN AMRO's main platform.