Solarisbank AG

Solarisbank AG, operating under the Solaris brand, is a German Banking-as-a-Service provider headquartered in Berlin that offers regulated financial infrastructure via APIs to companies seeking to embed banking products. The bank holds a full German banking license and is supervised by BaFin and the Deutsche Bundesbank, enabling it to provide current accounts with IBANs, SEPA payments, card issuing and processing, onboarding/KYC and AML services, and lending modules that partners can configure into retail or SME offerings; eligible deposits with the bank are covered by the German statutory deposit guarantee scheme up to €100,000 per depositor. Solaris expanded its footprint in 2021 by acquiring Contis Group, integrating card and payments capabilities and supporting service delivery in additional markets; in the United Kingdom, related services are provided via an affiliated e-money institution regulated by the FCA rather than a UK bank license. The operating model places Solaris as the bank of record while end users typically interface with a partner brand, meaning product features, fees, interest rates, and customer support are set and handled by the partner within Solaris’s regulatory and technical framework. This approach can shorten time-to-market for partners relative to obtaining their own licenses but introduces dependencies on Solaris’s platform, scheme memberships, and compliance processes, as well as on the partner’s own operational resilience. Solaris is subject to EU prudential, payments, and AML requirements (including PSD2 and GDPR) and to ongoing supervisory reviews; cross-border availability within the EEA relies on passporting, and local rules can affect product scope and onboarding in each market.