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 stay compliant with the German banking license and 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
Almost a classic: Our digital bank accounts are designed to change the customer experience and provide the backbone for a rich financial services ecosystem through a scalable infrastructure.
Business bank accounts
Our business accounts for the self-employed, freelancers and small and medium-sized businesses can be combined with first-class features, such as real-time tax estimates. Use additional sub-accounts with separate IBANs for returns or taxes.
Savings accounts
Enable sub-accounts and allow your customers to achieve their savings goals and manage their spending habits. Dedicated IBANs, rewards, interest rates, and more - making saving fun and easy.
Restricted accounts (wallets)
Restricted accounts - a light version of our checking accounts - come with separate IBANs and can be used for investing, trading, wealth management or long-term payments. Allow your customers to set up restricted accounts for a clearly defined purpose.
Feature-rich banking features to power your product
Identification
A fully digital account opening process with the help of our outstanding identification services covering all the EEA countries with an option of local IBANs in Germany, France and Italy.
Real-time data
Gives you a better understanding of your customers´ usage, needs, and spending patterns. As a result, products can be optimized, leading to higher customer satisfaction.
SEPA Instant
Empower your customers to send and receive payments in euros between two cross-border bank accounts in the eurozone. Transfer of euro funds guaranteed in less than ten seconds - 365 days a year, around the clock.
Access to Open Banking
As an Account Servicing Payment Service Provider (ASPSP) and fully licensed bank, we can help you reshape your account holders' customer experience by enabling them to engage with Open Banking services.
From user account to bank account
By offering our financial services, businesses can transform what were previously just user accounts into fully comprehensive bank accounts.
By linking user and behavioral data with payment data, you can offer your customers a customized set of financial services tailored to their personal needs and circumstances.
Read more about bank accountsYour benefits
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.
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
