Solarisbank AG, Sucursal en España

Solarisbank AG, Sucursal en España is the Spanish branch of a German-licensed banking-as-a-service provider that enables fintechs and brands to offer regulated financial products under Solarisbank’s banking license. The entity operates on a B2B model rather than as a retail bank, so consumers typically access accounts, cards, and payments through partner apps that integrate Solarisbank’s infrastructure. As an EU branch, it uses passporting to offer services in Spain and is registered with the Banco de España for host-state conduct rules, while prudential supervision and resolution planning are handled in Germany under BaFin and the Single Supervisory Mechanism. End users’ products are generally issued by Solarisbank, with the bank as the account-holding institution and the partner controlling the front-end, pricing, and customer support; fees and limits therefore vary by program and are not published as a unified tariff by the bank. Deposits held with Solarisbank are protected by the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to €100,000 per depositor, per bank, subject to scheme rules; coverage for funds depends on the legal setup described in the partner’s terms (for example, individual accounts vs. pooled fiduciary structures). Payment services typically include SEPA transfers and card issuing via major schemes, with know-your-customer checks performed either directly by the bank or by the partner under the bank’s oversight, in line with EU AML requirements. The Spanish branch does not operate a consumer-facing branch network; onboarding, servicing, and complaints ordinarily start with the partner, with escalation routes to Solarisbank and, depending on the service and location, to the Banco de España’s claims service for conduct matters or to German authorities for prudential issues. Because the model relies on multiple counterparties and shared infrastructure, changes in a partner’s operations or in regulatory requirements can affect features or timelines; portability of accounts or IBANs and the availability of local Spanish IBANs depend on the specific program. Users should review the underlying terms to confirm who holds the account, applicable fees, dispute and chargeback processes, and the precise scope of deposit protection.