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Overview
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Digital Banking

Solaris' Digital Banking product enables you to offer comprehensive current accounts to retail (B2C), freelance, and business (B2B) customers.

Issue accounts with German, French, Italian, or Spanish IBANs, giving your customers full access to the SEPA network and connected debit cards.

International accounts

Solaris operates under a German banking license but offers local IBANs in specific markets through Passporting and Branching.

1. Passporting (German IBAN)

Solaris opens a bank account with a German IBAN (DE) for a customer residing outside of Germany within the European Economic Area (EEA).

  • Regulation: Subject to BaFin (German Federal Financial Supervisory Authority).
  • Availability: Most EEA countries.

2. Branching (Local IBAN)

Solaris opens a bank account with a Local IBAN (e.g., FR, IT, ES).

  • Regulation: Subject to local rules of that country's financial supervisory authority.
  • Availability:
    • France (FR)
    • Italy (IT)
    • Spain (ES)
Data Requirements

Each branch has specific local requirements for customer onboarding (e.g., specific tax ID formats). See the Onboarding Requirements guide for per-country details.

Core account features

The foundation of the digital banking experience.

Account Opening

Asynchronous process to open B2C and B2B accounts with local IBANs.

Account Management

Handle account lifecycle: balance checks, blocking, statements, and closure.

SEPA Transfers

Execute SCT, SDD, and Instant transfers.

Cards

Issue Visa or Mastercard debit cards linked to the account.

International Inbound

Receive funds from non-SEPA regions via SWIFT/TARGET2.

Overdrafts

Offer credit lines and overdraft facilities (market dependent).

Specialized account models

Beyond standard current accounts, Solaris offers specialized account types to suit specific business models.

Account Type Comparison

FeatureChecking AccountRestricted AccountSafeguarding Account
Primary UseDaily Banking (Salary, Spending)Wallets (Crypto, Trading)Regulatory Segregation
Target UserConsumers, BusinessConsumers, BusinessRegulated Institutions (B2B)
In/OutFull SEPA (SCT, SDD)Closed Loop (Reference Account)Closed Loop (Reference Account)
CardsDebit CardsNot SupportedNot Supported

Savings Accounts

Offer interest-bearing fixed-term or flexible savings products.

Safeguarding Accounts

Segregated accounts for EMIs and PIs to protect customer funds against insolvency.

Restricted Accounts

Closed-loop accounts for settlement and wallet use cases (e.g., Crypto, Trading).

Billing Accounts

Internal accounts for collecting commercial revenue (e.g., subscriptions) and operational costs.

Multi-accounts

Allow a single customer to hold and manage multiple distinct bank accounts.

Enhanced capabilities

Enrich your banking proposition with these additional features.

Virtual IBANs

Issue multiple virtual IBANs routed to a single physical account for reconciliation.

Sub-accounts

Create separate pockets or wallets within a main account.

Viacash

Enable cash deposits and withdrawals at retail locations.

Trusted IBANs

Allowlist beneficiaries to bypass SCA for frequent transfers.

Instant Top-Ups

Fund accounts instantly using external cards (via Stripe integration).

Mobile Number Mgmt

Link mobile numbers to accounts for verify-by-mobile flows.

Fee Collection

Automate the collection of banking service fees from customer accounts.

Getting started

New to Solaris? Start with the Get Started guides to create your first customer and account.

Onboard a Person (B2C)

Step-by-step guide to creating a retail customer and account.

Onboard a Business (B2B)

Guide to onboarding legal entities, freelancers, and their authorized representatives.

API Reference

Explore the technical details for every endpoint.

Account Management

Create accounts, manage balances, statements, and blocks.

SEPA Transfers

Endpoints for SCT, SDD, and Instant payments.

Cards

Endpoints for card issuance, tokenization, and lifecycle.

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