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Solaris is a German bank with a full banking licence supervised by BaFin and the ECB, offering accounts, cards, payments and consumer lending to partners across the EEA, with local IBANs in Germany, France and Italy.
Solaris is ranked in 3 Buckingham Intelligence indices. Its highest score is 3.9 out of 5 (77 out of 100) in the Banking-as-a-Service and Sponsor Banks Index, where it ranks 2 of 11. It is strongest for european fintechs wanting a licensed bank that carries the compliance work, with 5 out of 5 for product range, licence and deposit protection and compliance support. Not published or not stated on the pages read: pricing and integration.
Also ranked in: Embedded Finance and Insurance Index (2.7 out of 5, rank 6 of 14) and Safeguarding Banks Index (2.2 out of 5, rank 11 of 14).
Scores from the Banking-as-a-Service and Sponsor Banks Index, Embedded Finance and Insurance Index and Safeguarding Banks Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For fintechs launching accounts and cards | 82 | 1 of 11 |
| For software platforms embedding finance | 68 | 3 of 11 |
| For regulated payment and e-money firms | 81 | 1 of 11 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For software and platform companies | 52 | 7 of 14 |
| For retailers, travel and marketplaces | 62 | 5 of 14 |
| For regulated firms adding products | 49 | 7 of 14 |
No award in the Safeguarding Banks Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For E-money institutions | 47 | 11 of 14 |
| For payment institutions | 46 | 11 of 14 |
| For firms applying for a licence | 40 | 12 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
European fintechs wanting a licensed bank that carries the compliance work.
European brands wanting accounts, cards and consumer lending under a bank licence.
A second safeguarding account for licensed EMIs and PIs.
What Solaris publishes on its own pages, read on 21 and 26 October 2026.
Solaris is a German bank with a full banking licence supervised by BaFin and the ECB, offering accounts, cards, payments and consumer lending to partners across the EEA, with local IBANs in Germany, France and Italy. It states that it handles regulatory compliance for partners. It does not publish prices, security audits or clients on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product range | "Offer accounts, payment cards, consumer lending, and compliant ID solutions"; cards "Branded credit, debit and prepaid"; payments; digital asset custody; KYC platform. |
| Pricing | Not published on the pages read. |
| Licence and deposit protection | 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 | Solaris "handles all regulatory complexities, continuously maintaining compliance"; "three-lines-of-defense risk management framework"; acts as "your dedicated regulatory anchor". |
| Integration | "modular REST APIs, real-time data webhooks"; partners can "go live in days, not years". |
| Markets | "local IBANs in Germany, France, and Italy"; expansion "across the EEA". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: solarisgroup.com/en/why-solaris, support.solarisgroup.com/hc/en-us/articles/….
A German banking-as-a-service provider with a full banking licence, offering accounts, debit, prepaid and credit cards, overdrafts, instalments and consumer loans across the EU. It publishes its licence type and regulator but not a licence number, prices, launch time or security certificates.
| Fact | What the provider publishes |
|---|---|
| Products | "checking, savings, sub-accounts or multi-accounts"; debit, prepaid and credit cards; "overdrafts, installments (Splitpay) and consumer loans". |
| Regulatory standing | "We obtained a full German banking license (CRR) in 2017"; "a licensed bank regulated by the German Federal Financial Supervisory Authority". |
| Reach | "With our German banking license, we can operate in all EU countries." |
| Integration | "some of the most advanced RESTful APIs in the European market"; "Our entire banking infrastructure is cloud-based." |
| Model | "As a B2B2X platform, Solaris is always a neutral partner and never competes for customers." |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: solarisgroup.com/en, solarisgroup.com/en/license.
A German banking-as-a-service bank. Its developer documentation describes a business safeguarding account for licensed EMIs and PIs, run by API with real-time balance, booking and statement endpoints. The account is closed loop to one reference account, and the firm must already hold a safeguarding account at another bank. No prices or timeline are published.
| Fact | What the provider publishes |
|---|---|
| Legal status | Solaris SE, Berlin; "full German banking license (CRR)" granted by BaFin in 2017; "the European Central Bank (ECB) is responsible for regulatory oversight." |
| Who it serves | "Electronic Money Institutions (EMIs) and Payment Institutions (PIs) are legally required to protect customer funds"; "this is a B2B product where you are the customer." Prerequisites: full business KYC with video identification of legal representatives, "an existing safeguarding account at another bank" as reference, and a licence as an EMI or PI. |
| Products | Safeguarding account, closed loop to one external reference account. Operating accounts and scheme access for EMIs and PIs not described on the pages read. |
| Pricing | Not published. |
| Onboarding | Business KYC with video identification; licence required. No timeline or document list. |
| Technology | API endpoints for payouts, "GET /v1/accounts/{account_id}/balance" ("Check current funds"), bookings and statements; dashboard access. "You must perform daily reconciliation". |
| Protection and scale | Funds "are protected by the German Deposit Guarantee Act up to an amount of EUR 100,000". No client numbers published. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: docs.solarisgroup.com/guides/digital-banking/…, solarisgroup.com/en/license.
Each score with the evidence behind it.
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
Each criterion is scored 0 to 5 against the best published offer in the Embedded Finance and Insurance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Safeguarding Banks Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Swan | 3.9 | 1 of 11 | European software platforms wanting accounts and cards fast, with no-code screens |
| Airwallex | 3.8 | 3 of 11 | Platforms serving business customers in many countries from one integration |
| Weavr | 3.2 | 4 of 11 | UK and EU business software adding accounts and cards at a fixed monthly price |
| Griffin | 3.2 | 5 of 11 | UK fintechs and platforms wanting a bank with published plan tiers and fast onboarding |
| ClearBank | 3.2 | 6 of 11 | UK payment and e-money firms wanting FSCS-protected accounts and direct UK payment access |
| Synctera | 2.8 | 7 of 11 | Fintechs in the US and Canada wanting onboarding and monitoring built in |
| Column | 2.6 | 8 of 11 | US fintechs wanting to build directly on a chartered bank rather than through a middle layer |
| Increase | 2.6 | 9 of 11 | US platforms wanting a fully priced payments and accounts API |
| Unit | 2.4 | 10 of 11 | US software platforms wanting ready-made banking screens |
| Treasury Prime | 1.9 | 11 of 11 | US banks running their own fintech programmes |
Full Banking-as-a-Service and Sponsor Banks Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Qover | 4.2 | 1 of 14 | Firms selling cover across Europe and the UK |
| Cover Genius | 3.6 | 2 of 14 | Global retailers, airlines and marketplaces selling cover in many countries |
| Weavr | 3.6 | 3 of 14 | UK and EU software firms adding accounts and cards at a published price |
| Unit | 3.0 | 4 of 14 | US software firms adding accounts, cards and credit |
| Swan | 2.8 | 5 of 14 | European software firms wanting accounts and cards under their own brand |
| bolttech | 2.6 | 7 of 14 | Telecoms, retailers and banks selling device and travel cover in many markets |
| YouLend | 2.5 | 8 of 14 | Marketplaces and payment firms offering merchant finance quickly |
| Liberis | 2.5 | 9 of 14 | Payment and software platforms offering funding to small businesses |
| Igloo | 2.4 | 10 of 14 | Ecommerce, telecoms and finance firms selling cover in Southeast Asia |
| Treasury Prime | 2.1 | 11 of 14 | US fintechs wanting a choice of sponsor banks |
| Synctera | 2.1 | 12 of 14 | US and Canadian fintechs launching accounts and cards with a sponsor bank |
| Boost Insurance | 2.0 | 13 of 14 | US insurtechs and platforms launching their own branded programmes |
| Railsr | 1.8 | 14 of 14 | Brands testing card and wallet products through staged sandboxes |
Full Embedded Finance and Insurance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| ClearBank | 4.2 | 1 of 14 | EMIs and PIs needing direct UK and EU scheme access |
| European Merchant Bank | 3.8 | 2 of 14 | EU EMIs wanting a published safeguarding tariff |
| Mano Bank | 3.8 | 3 of 14 | EU EMIs and PIs wanting fixed published safeguarding fees |
| Memo Bank | 3.6 | 4 of 14 | EU firms wanting interest on safeguarded euros |
| Magnetiq Bank | 3.5 | 5 of 14 | EEA EMIs and PIs still in the licensing queue |
| Banking Circle | 3.5 | 6 of 14 | Multi-currency safeguarding across the UK and EEA |
| Bank of London | 3.5 | 7 of 14 | Firms opening accounts during authorisation |
| Griffin | 3.2 | 8 of 14 | Dedicated per-customer safeguarding accounts |
| LHV Bank | 3.0 | 9 of 14 | GBP and EUR safeguarding with agency banking |
| Starling Banking Services | 2.8 | 10 of 14 | UK payment firms wanting their own sort code |
| CaixaBank | 2.1 | 12 of 14 | Payment firms licensed or passported into Spain |
| BNY | 1.9 | 13 of 14 | Large EMIs investing safeguarded cash in money market funds |
| Sutor Bank | 1.9 | 14 of 14 | Digital e-money and payment firms using banking as a service |
Side by side on every criterion, fact and award.
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