Solaris
Solaris provides a Banking-as-a-Service platform for embedding financial services in business products.
What Solaris is
Solaris provides a Banking-as-a-Service platform for embedding financial services in business products. Its account options include checking, savings, wallets, multi-accounts and sub-accounts with local or virtual IBANs. Payment support covers SEPA Credit Transfer, Direct Debit, Instant, scheduled orders and batch payments. Businesses can issue branded physical, virtual or tokenized prepaid, debit and credit cards on Visa or Mastercard. Modular REST APIs cover accounts, cards and lending, while onboarding flows support VideoIdent, Bankident, eID, digital KYC and KYB. Lending services include overdrafts, Splitpay installments and consumer loans. Solaris offers a functional sandbox before production integration. It says it holds a full German banking licence, uses OAuth 2.0, hosts data in the European Union and lists PCI DSS 4.0, ISO/IEC 27001, GDPR, DORA and MaRisk frameworks. Solaris was founded in 2016 and is headquartered in Berlin.
Good
- Multiple account and IBAN types
- SEPA payment rails supported
- Branded Visa or Mastercard issuing
- KYC and KYB onboarding flows
- Functional integration sandbox
Watch out
- Pricing is available on request
- Sub-accounts lack individual IBANs
- Sub-accounts are not SEPA-reachable
- Separate infrastructure is needed for distinct reachable IBANs
Who it suits
Solaris serves big technology companies, fintechs, startups, corporates, banks and finance businesses. It suits teams embedding accounts, payments, cards, onboarding or lending through APIs in the EU and EEA.
Verdict
Solaris offers modular banking infrastructure spanning accounts, payments, cards, onboarding and lending. Businesses should account for the sub-account IBAN limitation and request commercial terms directly.
The facts
Each one read from Solaris's own pages, with the date it was checked.
What it does
- Account features
- Its digital banking offering includes checking, savings, wallet, multi-account, and sub-account types, plus local or virtual IBANs.checked 8 Oct 2026
- Accounts
- Its digital banking services include checking, savings, sub-accounts and multi-accounts with local or virtual IBANs.checked 8 Oct 2026
- API and sandbox
- Solaris provides modular REST APIs and a sandbox for development and integration testing before production.checked 8 Oct 2026
- API integration
- Solaris offers modular REST APIs organized by product domain, so teams can integrate the endpoints they need for accounts, cards, and lending.checked 8 Oct 2026
- API security
- Solaris APIs use OAuth 2.0 authentication, and the company says platform data is hosted within the European Union.checked 8 Oct 2026
- Cards
- Businesses can issue branded physical, virtual, or tokenized prepaid, debit, and credit cards on Visa or Mastercard.checked 8 Oct 2026
- Commercial access
- Solaris directs prospective business partners to contact its team to discuss their goals and requirements.checked 8 Oct 2026
- Data hosting
- Solaris says its platform data is hosted within the European Union.checked 8 Oct 2026
- Identification
- Solaris offers digital KYC and KYB flows for onboarding individuals, freelancers and businesses.checked 8 Oct 2026
- Integrations
- Solaris lists AWS, Visa, Mastercard, finleap connect, Fourthline, AAZZUR, Ecospend, and Salesforce among its ecosystem partners.checked 8 Oct 2026
- Intended customers
- Solaris says it works with Big Tech companies, fintechs and startups, corporates, and banks and finance businesses.checked 8 Oct 2026
- Lending
- Lending services include overdrafts, installments through Splitpay and consumer loans.checked 8 Oct 2026
- Notable account limitation
- Solaris says sub-accounts do not have individual IBANs and are not SEPA-reachable; separate multi-account infrastructure is needed for distinct SEPA-reachable IBANs.checked 8 Oct 2026
- Onboarding
- Solaris APIs support customer onboarding and identification flows including VideoIdent, Bankident, and eID.checked 8 Oct 2026
- Payments
- The platform supports SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, scheduled orders, and batch payments.checked 8 Oct 2026
- Product
- Solaris provides a Banking-as-a-Service platform that lets businesses embed financial services in their own products.checked 8 Oct 2026
- Sandbox
- Solaris provides a functional sandbox environment for development and integration testing before production.checked 8 Oct 2026
- Security and compliance
- Solaris says it holds a full German banking license and lists PCI DSS 4.0, ISO/IEC 27001, GDPR, DORA, and MaRisk among its compliance credentials or frameworks.checked 8 Oct 2026
- Support
- Solaris lists direct customer support by phone Monday through Friday from 13:00 to 15:00 and accepts support requests online.checked 8 Oct 2026
- What it does
- Solaris provides a Banking-as-a-Service platform that lets businesses embed financial services into their products.checked 8 Oct 2026
- Who it serves
- Solaris says it works with big tech companies, fintechs and startups, corporates, and banks and finance businesses.checked 8 Oct 2026
The company
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- Berlin, Germanychecked 28 Sep 2026
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