“Can a 100+ year old motoring club turn its 20M+ members into a distribution channel for embedded banking (card, savings) and insurance without becoming a bank itself?”
ADAC is Germany's largest motoring club, best known for roadside assistance, with an insurance arm (ADAC Versicherung AG and the Zurich JV ADAC Autoversicherung AG) and a financial-services arm (ADAC Finanzdienste GmbH). The embedded-finance story is the ADAC Kreditkarte — historically run with a different bank partner, migrated to Solaris SE in September 2024, and extended in 2026 with a Tagesgeld savings account issued and operated by Solaris but distributed under the ADAC brand in the ADAC credit card app. The pattern is classic co-brand / embedded-finance: ADAC owns the member base, Solaris provides the regulated banking rail.
ADAC discloses Solaris SE as its banking provider, according to the Embedded Finance Index 2026.
ADAC does not disclose a bank charter of its own; its banking services are provided through Solaris SE.
ADAC's cards are issued through Solaris SE.
ADAC's lending and capital products are provided by Solaris SE.
ADAC's embedded insurance is provided by ADAC Versicherung AG (in-house), ADAC Autoversicherung AG (JV with Zurich) (in-house) and Zurich Beteiligungs AG.
The Embedded Finance Index 2026 maps 5 layers in ADAC's stack: Banking / BaaS (Solaris SE); Card issuing (Solaris SE); Lending (Solaris SE, ADAC Autokredit, ADAC Ratenkredit, E-Auto Finanzierung and 3 others); Insurance (ADAC Versicherung AG (in-house), ADAC Autoversicherung AG (JV with Zurich) (in-house) and Zurich Beteiligungs AG); Sponsor bank (Solaris SE).
ADAC is founded in 1903 and headquartered in Munich, Germany.
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