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Overview
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Digital Banking

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

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

Key capabilities

FeatureDescription
Current AccountsOpen B2C and B2B accounts with local IBANs.
SEPA TransfersExecute Credit Transfers and Direct Debits.
CardsIssue Visa or Mastercard debit cards linked directly to the account.
OverdraftsOffer credit lines and overdraft facilities (market dependent).

International accounts (Branching)

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 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).

Getting started

If you are integrating Solaris for the first time, start with the Get Started guides to create your first customer and account.

API Reference

Explore the technical details for every endpoint:

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