“Can a fully licensed European bank become the default BaaS infrastructure layer for any company—SaaS, travel, mobility, or fintech—wanting to embed financial services across the EU?”
Founded in 2016 as Germany's first cloud-native BaaS bank, Solarisbank leveraged its CRR license to power white-label financial products for fintechs and corporates. The 2021 acquisition of Contis expanded its card issuing reach across Europe. After rebranding to Solaris SE in 2022, the company shifted from a fintech-focused infrastructure play to a broader embedded finance platform targeting SaaS companies, travel, mobility, and wealth verticals. The SBI Group acquisition in 2023 repositioned Solaris as a cross-border embedded finance infrastructure provider with ambitions in EU passporting and multi-country BaaS.
Solarisbank discloses Solaris SE (self-operated) as its banking provider, according to the Embedded Finance Index 2026.
Solarisbank does not disclose a bank charter of its own; its banking services are provided through Solaris SE (self-operated).
Solarisbank processes payments through Solaris SE (self-operated). Disclosed money-movement rails: SWIFT.
Solarisbank's cards are issued through Solaris SE (self-operated).
Solarisbank uses Fourthline for KYC and identity verification.
The Embedded Finance Index 2026 maps 6 layers in Solarisbank's stack: Payments / PSP (Solaris SE (self-operated)); Money movement (SWIFT); Banking / BaaS (Solaris SE (self-operated)); Card issuing (Solaris SE (self-operated)); Lending (Consumer Lending (white-label), BNPL - Splitpay (fixed payments or flexible installments), Fronting (license-as-a-service for third-party lenders), Credit Lines and 1 other); KYC (Fourthline).
Solarisbank is founded in 2016 and headquartered in Berlin, Germany.
Solarisbank has raised EUR 530M+ in total.
Get a read on where your own stack stands against Solarisbank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.