Solaris
5.8/10Solaris is a Berlin-based, fully licensed bank that offers Banking-as-a-Service APIs. Fintechs and brands use it to embed accounts, cards, payments, lending and KYC in their own products.
Data last updated November 2026 · Our methodology
Overview
Solaris is a German technology company with a full banking licence, founded in 2016 and based in Berlin. It sells banking infrastructure rather than accounting software. Companies such as fintechs, digital platforms and multinational brands connect to its APIs to offer banking under their own brand. The modules are digital accounts with local or virtual IBANs, debit, prepaid and credit cards in physical or virtual form, SEPA Credit Transfer, Direct Debit, Instant and batch payments, overdrafts and Splitpay instalments, and KYC and KYB onboarding using VideoIdent and Bankident. Partners named include Tomorrow, ADAC, Samsung and Bitpanda. Its German licence is passported across the EU, so one integration can serve customers in many European markets. Developers get a sandbox, guides, an API reference with webhooks, release notes and a status page. Pricing is not published. Deals are negotiated and sales-led, and third-party commentary cites implementation fees from roughly 30,000 to more than 350,000 euros, with go-live usually taking 60 to 90 days. SBI Group became the majority owner through a 140 million euro round in February 2025. In March 2026 the company announced it would become an AI-native bank and cut about 80 of roughly 400 roles. Its main limitation for buyers is that it is infrastructure, not finished finance software. Partners must build their own customer experience and handle reconciliation, and end users of some live programmes complain on Trustpilot about frozen accounts and slow support.
Our Rating
Who Solaris is best for
Best software for Financial ServicesGood fit
It is built for fintechs and financial firms that need a licensed bank to embed accounts, cards and lending.
Multinationals such as ADAC and Samsung are partners, and the sales-led deals with high implementation fees suit large programmes.
Solaris lists SaaS as a target industry for embedding accounts and payments in software products.
Less suited
The modular REST APIs come with sandbox, webhooks and documentation, but access is gated behind a commercial agreement.
It is not a product that small businesses can buy directly. It only reaches them through partner brands.
Pros & Cons
Pros
- Its own German full banking licence, passported across the EU, means partners do not need a sponsor bank or their own licence.
- It covers accounts, SEPA rails including Instant, cards, lending and KYC/KYB in one licensed stack.
- The modular APIs are documented, with a sandbox, webhooks, release notes and a system status page.
- Its SEPA Instant payments now run on ACI Connetic, ACI Worldwide's cloud payments platform.
- Majority owner SBI Group has pledged long-term financial support.
Cons
- Prices are not published, and implementation fees reportedly range from about 30,000 to over 350,000 euros.
- Going live usually takes 60 to 90 days and the process is sales-led.
- End users rate it 1.5 out of 5 on Trustpilot, citing frozen accounts, slow refunds and slow support.
- Coverage centres on the euro, and partners have to handle reconciliation with their own ERP.
- Repeated restructuring, including about 20 percent job cuts in March 2026 and leadership changes, adds some vendor risk.
Key Features
Solaris Pricing
Custom (sales-led)
- Sandbox access for development
- Implementation fees negotiated per deal
- Modular product fees plus usage-based API and transaction fees
Frequently Asked Questions
No. Pricing is quoted per deal and combines modular product fees, usage-based API and transaction fees, and implementation fees.
Yes. It holds a full German banking licence, which it uses to operate across EU countries.
You can build branded accounts with IBANs, debit, prepaid and credit cards, SEPA payments, overdrafts, Splitpay instalments, consumer loans and KYC/KYB onboarding.
Yes. The developer documentation explains how to get credentials and set up a sandbox, and includes guides and an API reference with webhooks.
SBI Group became the majority shareholder through the 140 million euro Series G round in February 2025, and regulators approved the takeover.
No. Solaris sells to companies that embed banking in their own products, so end businesses reach it only through those partner brands.
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Ranked near Solaris in Finance Software
See Solaris in the listSolaris is #252 in Finance Software by our score.
