Accounts
Flexible, compliant accounts for every customer type
Offer consumer, freelancer, and business accounts with local IBANs in Germany, Italy, or France—or scale with virtual IBANs. Choose from 5 account types, access open banking, and rely on our German banking license and the deposit protection scheme.
Bank accounts: Your gateway to embedded finance
The bank account is the foundation of long-term customer relationships—and a powerful starting point for embedded financial services.
Use it to boost customer engagement, increase daily touchpoints, and unlock new revenue streams. With our accounts, you can embed payments, loans, overdrafts, and value-added features like loyalty and cashback into your product ecosystem.
A full suite of accounts for every customer need
Checking Accounts
Power everyday transactions with SEPA and SEPA Instant capabilities. Offer checking accounts to consumers, freelancers, and businesses—supporting deposits, withdrawals, and payments. Connect to debit or credit cards for full functionality.
Savings Accounts
Enable consumers to save securely and earn interest. Available in Germany, savings accounts support SEPA and SEPA Instant transfers, and are ideal for both short- and long-term financial goals. Not linked to cards, ensuring funds stay dedicated.
Restricted Accounts (Wallets)
Purpose-built accounts for funds with specific conditions. Ideal for consumers, freelancers, or businesses needing controlled disbursements. Incoming/outgoing transfers are restricted to designated reference accounts only.
Multi-Accounts
Flexible, SEPA-reachable accounts for varied use cases. These accounts can be linked to cards via your app—letting users control which account powers each transaction. Serve consumers, freelancers, and businesses.
Sub-Accounts (Pockets)
Help end users segment finances with non-SEPA-reachable sub-accounts. Perfect for budgeting, goal-setting, or fund allocation. For consumers, freelancers, and businesses—built to organize money with structure and intent.
Local or virtual IBANs? Choose what fits your model
Local IBANs in Germany, Italy, or France build credibility, reduce payment friction, and protect your customers from IBAN discrimination.
Virtual IBANs offer international reach—flexible identifiers route payments to central accounts, enabling simplified reconciliation.
Both support SEPA and SEPA Instant, and work across consumer, freelancer, or business use cases.
Feature-rich banking features to power your product
Deliver seamless banking with real-time notifications, SEPA Instant limit controls, and 24/7 cash deposit and withdrawal options. Support instant card top-ups and open banking for smooth third-party integrations.
Reward loyalty through tailored programs and simplify pricing with our Billing Engine and dynamic product catalog, built for scalability and control.
Hear what our partners have to say
“At Lexware, we believe that small businesses deserve the same level of efficiency and financial control as large enterprises—without added complexity. Our partnership with Solaris allows us to deliver a truly seamless banking and accounting experience, eliminating unnecessary manual work for entrepreneurs. By integrating these services directly into Lexware Office, we empower business owners to focus on what truly matters: growing their business.”
Head of Banking at Lexware
Empower customers with seamless Open Banking access
Leverage our full banking license to provide your users with direct Open Banking access.
Enhance user experience by offering instant data sharing, smooth payment initiation, and personalized financial insights—driving engagement and opening pathways for new embedded services.
Expand your offering with complementary financial services
Identification
Speed up onboarding with EU-compliant digital ID verification. Cut drop-off rates and maintain strict anti-money laundering compliance for secure customer acquisition.
Overdraft
Offer overdrafts to boost your customers’ cash flow flexibility. Allow temporary access to funds within preset limits—supporting personal financial health.
Cards
Issue branded Visa or Mastercard cards—physical or virtual, prepaid, debit, or credit. Enable global payments that keep your brand front and center in customers’ wallets.
Why choose Solaris accounts for your business
100% secure deposits
Customer deposits are protected up to €100,000 under the German Deposit Guarantee Act—ensuring trust and regulatory compliance.
Fast time to market
Leverage our German banking license to launch payment accounts in weeks, not months, accelerating your digital banking rollout.
Full ownership, German bank backing
Maintain complete control over your product while benefiting from the security and compliance of a fully licensed German bank.
Boost brand engagement
Increase customer touchpoints with embedded banking, gaining valuable insights into spending habits to personalize your offerings.
Unlock new profit streams
Expand your services with advanced banking features, opening diverse revenue opportunities beyond your core business.
Data-driven insights
Use account transaction data to understand customer behavior better and refine your product strategy for higher retention.
