Who Solaris is
Solaris is a Berlin-based bank that launched in 2016 to provide banking services to other companies under its full German banking licence, supervised by BaFin. It was called Solarisbank until 2022, and Japan's SBI Group became its majority shareholder in 2025.
Software providers, accounting and ERP platforms, wealth managers, and travel and mobility companies embed its accounts, cards, payments, lending and identification under their own brand. In 2026 it announced, with SBI, a plan to develop this platform into pan-European infrastructure with largely AI-automated processes. It is one of the banking-as-a-service providers our Accounts & IBANs module connects to.
What it does in your platform
Accounts & IBANs
Holds your customers' accounts on its German banking licence, with local IBANs, SEPA Credit Transfers, direct debits, SEPA Instant and Verification of Payee. Your brand is on the app; Solaris is the bank behind it.
How the connection works
One connector in the Accounts & IBANs module talks to Solaris's API with OAuth 2.0 client credentials, and receives Solaris webhooks signed with an HMAC SHA-256 signature.
The customer signs up
Your app shows the legal screens and collects the data Solaris requires, and the module creates the person at Solaris.
Solaris identifies them
The customer completes one of Solaris's identification methods, such as video identification, and Solaris runs its due diligence checks.
The account opens
Once the checks pass, the module opens the account and the customer gets an IBAN.
Money arrives
Solaris books an incoming SEPA or SEPA Instant transfer and sends a BOOKING webhook. The module verifies its signature and posts it to the ledger and the customer's statement.
Money goes out
An outgoing transfer waits for the customer's strong customer authentication through Solaris's change request process before Solaris executes it.
Next to other providers
Solaris puts a German bank behind euro accounts. The module talks to it through the same interface as every other banking partner, so the app, the ledger and the statements look the same whichever partner holds an account.
Changing partner later does not change the app, though customers get new IBANs under the new partner, a move we plan with you.
When Solaris fits best
A strong fit when
- You want your customers' money held by a bank with a full licence, not an e-money institution.
- You plan to add cards or lending from the same bank as your product grows.
- You can build the onboarding screens and identification flow a regulated bank requires.
Also worth a look
- Swan or Treezor, e-money institutions, when a banking licence behind the accounts is not required.
- ClearBank or Griffin, for sterling accounts in the UK.
How we get you live
The contract
We help you get your Solaris account and contract in place, for the products you plan to offer.
The onboarding
We build the legal screens, data collection and identification flow Solaris requires into your sign-up, and subscribe to the webhooks Solaris makes mandatory.
The keys
The OAuth client credentials and each webhook secret, which Solaris shows only once, go straight into your platform's secrets.
A full test run
The flow runs first in Solaris's sandbox, from sign-up and identification to transfers in and out.
