## Overview

Solaris' Digital Banking product allows you to offer **current accounts**
to retail (B2C), freelance, and business (B2B) customers. These are fully-fledged bank
accounts with German, French, Italian, or Spanish IBANs (depending on which
[branch](#non-german-bank-accounts) you use).

With Solaris' current accounts, your customers will have full access to the
SEPA network and can make [SEPA Direct
Debit](/guides/digital-banking/sepa-transfers/sepa-direct-debit-transfer)
and [SEPA Credit
Transfer](/guides/digital-banking/sepa-transfers/sepa-credit-transfer)
transactions. You can also [issue debit cards](/guides/cards) to them
(VISA or MasterCard) with your own custom designs.

### Get started with Solaris' Digital Banking product

If you are currently integrating Solaris in your solution for the first
time, then please see the [Get started guide](/guides/get-started) for detailed
step-by-step instructions on how to do so.

### Digital Banking APIs

See the comprehensive [API reference](/api-reference) for full descriptions of
every endpoint in the Solaris API.

### What's in this section:

See the links in the left-hand navigation about how to manage your
customers' accounts, how to set up proper security protocols for the accounts,
and how to handle Digital Banking payments in your solution.

## Non-German bank accounts

Solaris offers two options for opening bank accounts to customers outside of Germany:

- **Passporting:** Solaris opens a bank account with a **German IBAN** for a
customer residing outside of Germany within the European Economic Area (EEA).
This account is subject to rules and regulations from BaFin, the German
financial supervisory authority.
- **Branching:** Solaris opens a bank account with a **local IBAN** for a
customer residing within a country where Solaris has a branch, subject to
the rules of that country's financial supervisory authority. Currently,
Solaris offers branching in the following countries:
  - France
  - Italy
  - Spain


### How do I open bank accounts for customers outside of Germany?

The [Get started guide](/guides/get-started) is designed to cover the process of
onboarding customers in every branch. See the following guides for more
information:

- [Onboard a person](/guides/get-started/digital-banking/onboard-person)
- [Onboard a business](/guides/get-started/digital-banking/onboard-business)


note
Each country where Solaris has a branch has its own requirements for
**customer data points** that you must collect. See the [data collection
guide](/guides/get-started/onboarding-requirements/2-data-collection/#2-data-collection)
for information about which points are required for each country.