Freedom251 › Banking-as-a-Service Platforms

Solaris

Paid API

What Solaris is

Solaris is a Banking-as-a-Service platform for businesses that want to add financial services to their own products. Its digital banking capabilities include checking and savings, wallets, multi-accounts and sub-accounts, with local or virtual IBANs. Payments include SEPA Credit Transfer, Direct Debit and Instant, as well as 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 are organized by product domain, allowing teams to select endpoints for accounts, cards and lending. Solaris also provides digital KYC and KYB onboarding for individuals, freelancers and businesses, with identification flows such as VideoIdent, Bankident and eID. Lending options include overdrafts, Splitpay installments and consumer loans. A functional sandbox supports development and integration testing before production. Solaris says it holds a full German banking license, lists PCI DSS 4.0, ISO/IEC 27001, GDPR, DORA and MaRisk among its compliance credentials or frameworks, and hosts platform data in the EU. Founded in 2016 and headquartered in Berlin, it serves fintechs, startups, large technology companies, corporates, banks and finance businesses. Pricing is on request.

Who it suits

Solaris suits fintechs, startups, technology companies, corporates and financial businesses seeking embedded accounts, payments, cards, onboarding or lending through APIs. Its EU and EEA coverage and local operations in Germany, France, Spain and Italy may suit businesses working in those regions.

What it does well

Offers checking, savings, wallets and multi-account options.
Supports several SEPA payment types, scheduled orders and batch payments.
Issues branded Visa or Mastercard cards in physical, virtual or tokenized form.
Provides digital KYC and KYB onboarding flows.
Sandbox supports development and integration testing before production.
Platform data is hosted within the European Union.

What to know first

Pricing is available on request.
Sub-accounts have no individual IBANs and are not SEPA-reachable.
Direct phone support is listed only Monday through Friday, 13:00–15:00.

Limits

Sub-accounts do not have individual IBANs and cannot be reached through SEPA. Separate multi-account infrastructure is needed for distinct SEPA-reachable IBANs.

Getting started

Visit the Solaris website.
Contact the Solaris team to discuss business goals and requirements.
Select the product domains and API endpoints needed for accounts, cards or lending.
Use the sandbox for development and integration testing before production.

Verdict

Choose Solaris if your business needs embedded banking capabilities, modular APIs and account, payment, card or lending services. Look elsewhere if sub-accounts need their own SEPA-reachable IBANs; Solaris says that requires separate multi-account infrastructure. Prospective partners are directed to contact Solaris to discuss requirements and pricing.

Questions

How much does Solaris cost?

Solaris is paid, with pricing on request. Prospective business partners can contact its team to discuss requirements.

What does Solaris provide?

It provides a Banking-as-a-Service platform with accounts, payments, cards, onboarding and lending capabilities for businesses to embed in their products.

Which payment methods does it support?

It supports SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, scheduled orders and batch payments.

Which platforms does Solaris support?

The listed platform is API.

What is the sub-account limitation?

Sub-accounts do not have individual IBANs and are not SEPA-reachable. Separate multi-account infrastructure is needed for distinct SEPA-reachable IBANs.

What security and compliance credentials does Solaris list?

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. It says platform data is hosted within the European Union.

Facts from Solaris's own pages

Account features: Its digital banking offering includes checking, savings, wallet, multi-account, and sub-account types, plus local or virtual IBANs. · solarisgroup.com, 8 Oct 2026
Accounts: Its digital banking services include checking, savings, sub-accounts and multi-accounts with local or virtual IBANs. · solarisgroup.com, 8 Oct 2026
API and sandbox: Solaris provides modular REST APIs and a sandbox for development and integration testing before production. · solarisgroup.com, 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. · solarisgroup.com, 8 Oct 2026
API security: Solaris APIs use OAuth 2.0 authentication, and the company says platform data is hosted within the European Union. · solarisgroup.com, 8 Oct 2026
Cards: Businesses can issue branded physical, virtual, or tokenized prepaid, debit, and credit cards on Visa or Mastercard. · solarisgroup.com, 8 Oct 2026
Commercial access: Solaris directs prospective business partners to contact its team to discuss their goals and requirements. · solarisgroup.com, 8 Oct 2026
Data hosting: Solaris says its platform data is hosted within the European Union. · solarisgroup.com, 8 Oct 2026
Founded: 2016 · solarisgroup.com, 28 Sept 2026
Headquarters: Berlin, Germany · solarisgroup.com, 28 Sept 2026
Identification: Solaris offers digital KYC and KYB flows for onboarding individuals, freelancers and businesses. · solarisgroup.com, 8 Oct 2026
Integrations: Solaris lists AWS, Visa, Mastercard, finleap connect, Fourthline, AAZZUR, Ecospend, and Salesforce among its ecosystem partners. · solarisgroup.com, 8 Oct 2026
Intended customers: Solaris says it works with Big Tech companies, fintechs and startups, corporates, and banks and finance businesses. · solarisgroup.com, 8 Oct 2026
Lending: Lending services include overdrafts, installments through Splitpay and consumer loans. · solarisgroup.com, 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. · solarisgroup.com, 8 Oct 2026
Onboarding: Solaris APIs support customer onboarding and identification flows including VideoIdent, Bankident, and eID. · solarisgroup.com, 8 Oct 2026
Payments: The platform supports SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, scheduled orders, and batch payments. · solarisgroup.com, 8 Oct 2026
Product: Solaris provides a Banking-as-a-Service platform that lets businesses embed financial services in their own products. · solarisgroup.com, 8 Oct 2026
Sandbox: Solaris provides a functional sandbox environment for development and integration testing before production. · solarisgroup.com, 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. · solarisgroup.com, 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. · solarisgroup.com, 8 Oct 2026
What it does: Solaris provides a Banking-as-a-Service platform that lets businesses embed financial services into their products. · solarisgroup.com, 8 Oct 2026
Who it serves: Solaris says it works with big tech companies, fintechs and startups, corporates, and banks and finance businesses. · solarisgroup.com, 8 Oct 2026

Where Solaris stands on Freedom251

Banking-as-a-Service Platforms#30 of 31