SolarisBank Partners with ABN AMRO's Moneyou for White-Label Lending

Berlin-based SolarisBank entered a white-label banking partnership with Moneyou, a subsidiary of Dutch bank ABN AMRO, to deliver rapid consumer loan approvals in Germany. Under the arrangement, SolarisBank provided the Banking-as-a-Service backend infrastructure, enabling Moneyou to offer loans under its own brand with approval times as fast as seven minutes. The collaboration was part of ABN AMRO's broader strategy of investing in and partnering with fintechs through its Digital Impact Fund, which backed companies including SolarisBank, Tink, Cloud Lending Solutions, BehavioSec, and Ockto.

ABN AMRO's approach reflected a shift in the banking industry from viewing fintechs as competitive threats to treating them as innovation allies. The partnership allowed Moneyou to rapidly scale digital lending in Germany without building its own full technology stack. Financial terms of the deal were not publicly disclosed.

The arrangement served as an early template for the BaaS model that would gain significant traction across Europe in subsequent years.