Digital Banking
Create branded digital bank accounts with one API platform
Create compliant, scalable banking products with our embedded finance APIs. Go live faster with 5+ configurable account types, seamless payments, virtual and local IBANs, and Open Banking integrations—all through a single platform.
Serve consumers, freelancers, and SMEs with CRR-compliant infrastructure and EU passporting for full regulatory coverage.
Embed EU-compliant banking into your product, fast
Launch EU-compliant banking products under your brand—powered by Solaris.
Embed digital accounts, payments, and banking features into your product with a white-label solution built for consumers, freelancers, and business users.
As a CRR-licensed bank in Germany, with passporting and operations in France, Spain, and Italy, Solaris enables you to offer safeguarded banking services across the EU.
Digital banking building blocks for your business
Accounts at the core of your digital banking product
Choose from five account types—checking, savings, wallets, multi-accounts, and sub-accounts—designed for consumers, freelancers, and businesses.
Offer local IBANs in Germany, France, Spain, and Italy to eliminate IBAN discrimination. Alternatively, deploy virtual IBANs to enable seamless international payments. This flexibility supports compliant, scalable, and user-friendly banking experiences.
SEPA, SEPA Instant, standing and scheduled transfers
Enable fast, secure euro payments with SEPA Credit Transfer, SEPA Direct Debit, and SEPA Instant, available 24/7 across 38 countries.
Support TARGET-2, scheduled orders and batch payments to let customers schedule and automate transactions efficiently.
Enhance payment security with Verification of Payee (VoP), reducing fraud by confirming recipient names before funds transfer.
Seamless banking powered by smart features
Enable real-time notifications, SEPA Instant payment limit controls, and cash deposit and withdrawal options—providing customers with familiar banking convenience.
Offer instant card top-ups for easy funding, Open Banking integrations to connect third-party services, and loyalty programs to increase customer engagement. Manage pricing efficiently using our Billing Engine and dynamic product catalog.
Hear what our partners have to say
“We said, it’s so difficult to found a bank - and then we figured out there is Solaris”
Co-Founder and CEO of Tomorrow
Real-time AI fraud detection for enhanced security
Real-time fraud monitoring
Protect every transaction with 24/7 real-time fraud monitoring. Our system detects suspicious activity instantly, helping maintain customer trust and platform security.
AI-powered risk management
Leverage AI-based risk management to scan transactions continuously, identify anomalies, and prevent fraud proactively—supporting compliance and reducing operational risk.
Smart Agent & 3D Secure
Combine Smart Agent alerts with 3D Secure authentication to notify users immediately of suspicious activity and add a robust security layer for online card payments.
Go beyond accounts with advanced financial services
Identification
Enable fast, frictionless onboarding with EU-compliant identity verification, reducing customer drop-off while meeting anti-money laundering (AML) requirements.
Overdraft
Provide financial flexibility by offering overdraft facilities that allow customers to borrow up to a predetermined limit, improving short-term cash flow.
Cards
Issue branded physical and virtual cards—Visa or Mastercard, prepaid, debit, or credit—enabling customers to pay globally with your product in their wallet.
Transform your business with embedded banking benefits
Engage your customers more deeply
Banking services are part of daily life. Increase your customer touchpoints and gain actionable insights into spending behavior to improve retention and personalization.
Launch and scale quickly
Deploy your digital banking product within months using our compliant, secure API platform. Leverage EU passporting to scale across 30 EEA countries with a single integration.
Tap into new revenue streams
Expand your product portfolio with advanced banking features, creating multiple income opportunities that complement your core business.
Let us handle compliance
You own the customer experience; Solaris manages compliance, safeguarding, and regulatory reporting. As a fully licensed CRR bank in Germany, we handle the regulatory complexity so you can concentrate on scaling your banking product.
