Comparison · 2026 edition
Airwallex vs Solaris: banking as a service compared 2026.
Airwallex and Solaris side by side in the Banking-as-a-Service and Sponsor Banks Index 2026: scores, evidence, published facts and awards.
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Airwallex and Solaris side by side in the Banking-as-a-Service and Sponsor Banks Index 2026: scores, evidence, published facts and awards.
In the Banking-as-a-Service and Sponsor Banks Index, Solaris scores higher overall: 3.9 out of 5 (77 out of 100) against 3.8 (75), ranking 2 and 3 of 11. Airwallex scores higher for software platforms embedding finance; Solaris scores higher for fintechs launching accounts and cards and regulated payment and e-money firms.
Overall and segment scores out of 100, and the score out of 5.
| Score | Airwallex | Solaris |
|---|---|---|
| Score out of 5 | 3.8 | 3.9 |
| Score out of 100 | 75 | 77 |
| Overall rank | 3 of 11 | 2 of 11 |
| For fintechs launching accounts and cards (out of 100) | 76, rank 3 | 82, rank 1 |
| For software platforms embedding finance (out of 100) | 71, rank 2 | 68, rank 3 |
| For regulated payment and e-money firms (out of 100) | 78, rank 3 | 81, rank 1 |
| Type | Global embedded finance platform | German bank for embedded finance |
Each score with the evidence behind it.
| Criterion | Airwallex | Solaris |
|---|---|---|
| Product range | 5/5 Accounts, cards, payments and credit all published. | 5/5 Accounts, cards, payments and lending all published. |
| Published pricing | 1/5 Platform fees not published; only the business account fee schedule is public. | 0/5 Not published on the pages read. |
| Licence and deposit protection | 4/5 Own e-money and payment licences with numbers in many countries; US accounts through named partner banks. | 5/5 Own full banking licence with regulators named and deposit protection stated. |
| Compliance support | 3/5 Airwallex states it handles KYC; transaction monitoring for the programme not described. | 5/5 Solaris states it carries regulatory compliance and onboarding checks for partners. |
| Integration | 4/5 API, ready-made components and a stated launch time; sandbox not confirmed on the pages read. | 3/5 API and stated launch time; sandbox and ready-made screens not published on the pages read. |
| Markets | 5/5 70+ countries across Asia, Europe and the Americas. | 4/5 Local IBANs in three countries with EEA coverage. |
Each criterion is scored 0 to 5 against the best published offer in the Banking-as-a-Service and Sponsor Banks Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Airwallex | Solaris |
|---|---|---|
| Product range | Accounts "with local bank details in 70+ countries"; branded physical and virtual cards; collections including Direct Debit and batch payouts; "Extend lines of credit to your customers". | "Offer accounts, payment cards, consumer lending, and compliant ID solutions"; cards "Branded credit, debit and prepaid"; payments; digital asset custody; KYC platform. |
| Pricing | Platforms "Set bespoke pricing for end customers"; Airwallex's platform fees not published. The US business account fee schedule is published separately. | Not published on the pages read. |
| Licence and deposit protection | Airwallex (UK) Ltd FCA e-money institution 900876; AWX Lithuania, UAB e-money institution 88; Airwallex (Singapore) Pte. Ltd. MAS Major Payment Institution PS20200541; UniCard Solution Ltd HKMA SVF0009; Airwallex US, LLC NMLS #1928093 with Lead Bank and Evolve Bank & Trust as partner banks. | Solaris SE holds a "full German banking license" under the European Central Bank and BaFin; "all customer deposits are ECB-insured" (Solaris's wording). |
| Compliance support | "Airwallex handles global Know Your Customer (KYC) requirements", with collection adjusted to local rules. | Solaris "handles all regulatory complexities, continuously maintaining compliance"; "three-lines-of-defense risk management framework"; acts as "your dedicated regulatory anchor". |
| Integration | Pre-built components to "Launch in days", or native API integration. | "modular REST APIs, real-time data webhooks"; partners can "go live in days, not years". |
| Markets | Accounts in 70+ countries; balances in 20 currencies; cards across 60 countries. | "local IBANs in Germany, France, and Italy"; expansion "across the EEA". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Airwallex: pricing, compliance support and integration.
Not published or not stated by Solaris: pricing and integration.
Facts read on 26 October 2026 from: airwallex.com/en-us/…, help.airwallex.com/hc/en-gb/articles/…; and solarisgroup.com/en/why-solaris, support.solarisgroup.com/hc/en-us/articles/….
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Platforms serving business customers in many countries from one integration.
European fintechs wanting a licensed bank that carries the compliance work.
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