Comparison · 2026 edition
Griffin vs Solaris: banking as a service compared 2026.
Griffin 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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Griffin 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 3.2 (64), ranking 2 and 5 of 11. Solaris also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Griffin | Solaris |
|---|---|---|
| Score out of 5 | 3.2 | 3.9 |
| Score out of 100 | 64 | 77 |
| Overall rank | 5 of 11 | 2 of 11 |
| For fintechs launching accounts and cards (out of 100) | 63, rank 5 | 82, rank 1 |
| For software platforms embedding finance (out of 100) | 61, rank 5 | 68, rank 3 |
| For regulated payment and e-money firms (out of 100) | 69, rank 5 | 81, rank 1 |
| Type | UK bank for embedded finance | German bank for embedded finance |
Each score with the evidence behind it.
| Criterion | Griffin | Solaris |
|---|---|---|
| Product range | 3/5 Accounts and payment rails published; cards and lending not published. | 5/5 Accounts, cards, payments and lending all published. |
| Published pricing | 2/5 Monthly spend tiers published; onboarding fee only as a "from" price. | 0/5 Not published on the pages read. |
| Licence and deposit protection | 5/5 Own UK banking licence with firm reference and FSCS protection. | 5/5 Own full banking licence with regulators named and deposit protection stated. |
| Compliance support | 3/5 Automated KYC and KYB published; transaction monitoring not described. | 5/5 Solaris states it carries regulatory compliance and onboarding checks for partners. |
| Integration | 4/5 API, sandbox and a stated launch time; ready-made screens not published. | 3/5 API and stated launch time; sandbox and ready-made screens not published on the pages read. |
| Markets | 1/5 UK only. | 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 | Griffin | Solaris |
|---|---|---|
| Product range | Embedded bank accounts, business accounts, savings, client money, safeguarding, payments (Faster Payments, Bacs credits, CHAPS) and Verify. Cards and lending not published. | "Offer accounts, payment cards, consumer lending, and compliant ID solutions"; cards "Branded credit, debit and prepaid"; payments; digital asset custody; KYC platform. |
| Pricing | Platform banking onboarding "from £15,000"; monthly minimum spend packages £4,000, £6,000 and £10,000, Enterprise custom. | Not published on the pages read. |
| Licence and deposit protection | Griffin Bank Ltd, "authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority", firm reference 970920; FSCS "up to £120,000". | 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 | Verify: "Automate KYC/KYB checks"; "Use our onboarding products to automate key compliance processes." | Solaris "handles all regulatory complexities, continuously maintaining compliance"; "three-lines-of-defense risk management framework"; acts as "your dedicated regulatory anchor". |
| Integration | "Embed accounts, payments and onboarding via our API"; sandbox at app.griffin.com/register; "Go live in 6 to 8 weeks". | "modular REST APIs, real-time data webhooks"; partners can "go live in days, not years". |
| Scale | "80+ companies use Griffin"; "£8.9B+ payments processed since launching in 2024". | Not listed in this index |
| Markets | Not listed in this index | "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 Griffin: product range, compliance support and integration.
Not published or not stated by Solaris: pricing and integration.
Facts read on 26 October 2026 from: griffin.com/pricing, griffin.com/about, griffin.com/products/embedded-bank-accounts, griffin.com/products/payments, griffin.com/products/verify, griffin.com/deposit-protection; 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.
UK fintechs and platforms wanting a bank with published plan tiers and fast onboarding.
European fintechs wanting a licensed bank that carries the compliance work.
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