# 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](/guides/get-started/onboarding-requirements) 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

| Feature | Checking Account | Restricted Account | Safeguarding Account |
|  --- | --- | --- | --- |
| **Primary Use** | Daily Banking (Salary, Spending) | Wallets (Crypto, Trading) | Regulatory Segregation |
| **Target User** | Consumers, Business | Consumers, Business | **Regulated Institutions (B2B)** |
| **In/Out** | Full SEPA (SCT, SDD) | **Closed Loop** (Reference Account) | **Closed Loop** (Reference Account) |
| **Cards** | Debit Cards | *Not Supported* | *Not 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.