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← Embedded Finance Index 2026/Banks

Solarisbank

Sponsor bank
BaaSCard IssuingSponsor BankLendingPSPTreasury Management

Sponsor bank tracked in the Embedded Finance Index. Named by 18 companies, most often as their banking-as-a-service. Sells embedded finance as Solaris embedded finance platform.

solarisbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
OfferingSolaris embedded finance platform
Used asBanking-as-a-Service, Sponsor bank, Card issuer
Rank#26 of 347 in BaaS
Buyers18 companies
HeadquartersBerlin, Germany
Founded2016

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How companies use Solarisbank

18 companies name Solarisbank in their stack. The most common role is banking-as-a-service (17). A company can use the same bank for more than one thing. Compare it with what Solarisbank says it sells, below.

Banking-as-a-Service17
Sponsor bank7
Card issuer6
Lending partner1
Payments & acquiring1
Treasury & cash management1
How Solaris sells embedded financeSponsor bank

Solaris embedded finance platform ↗since 2016

Solaris sells itself as a fully licensed German bank that stays neutral and never competes with partners for end customers. In March 2026, under majority owner SBI, it announced a restructuring into an AI-native bank built on standardised, reusable modules.

“Ten years ago, Solaris was one of the first companies in Europe to prove that cloud-based banking via APIs works.”
newsroom.solarisgroup.com ↗
What it offers
  • Digital banking. White-label accounts with local and virtual IBANs.
  • Cards. Debit, prepaid and credit, physical and virtual.
  • Payments. SEPA transfers, direct debits and instant payments.
  • Lending. Consumer loans and BNPL.
  • KYC/KYB. Fully digital identification flows.
Sells to
SaaS providersfintechstravel and mobility brandswealth managersnon-financial corporates
Delivery
Direct APIs
Claims and record
Programs and partners it names
Partner.
source ↗
Boerse Stuttgart Group
Partner.
source ↗
Partner.
source ↗
Partner.
source ↗
The bank’s own positioning and claims, checked against its pages 2026-10. Partners named here come from the bank and are not counted as buyer disclosures. Compare how banks sell embedded finance.
Solarisbank’s APIs · from Open Banking Tracker

Solarisbank publishes a developer portal with 3 API products, and 4 aggregators connect to it.

Developer portal
xs2a-portal.solaris-sandbox.de/#/apis/25 ↗
Standards
BERLIN
API products
Account and Transaction API ↗
Account information
Payment Initiation API ↗
Payment initiation
Confirmation of Funds API ↗
Funds confirmation
Reachable through
BANKSapiPowens (formerly Budget Insight)Salt EdgeYAXI
From Open Banking Tracker’s open dataset, record “solarisBank”. Full API profile on Open Banking Tracker ↗
Background · from Solarisbank’s own dossier

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.

Recent developments
  • 2023-01SBI Group completes strategic acquisition of majority stake in Solaris SE. source ↗
Full dossier: Solarisbank’s own stack, layer by layer →
Who uses Solarisbank
18 companies disclose Solarisbank in their stack
TomorrowBitwalainshaKontistHuobiLexofficeLexwareCAPTIQSamsung PayAdmiralsBison AppBitpanda+6 more
Buyer mix · 18 of 18 classified
Fintech / Crypto · 6Fintech / Neobank · 2Fintech / SMB banking · 2Horizontal SaaS / Accounting · 2Bank / National · 1E-commerce / Platform · 1Fintech / Consumer banking · 1Fintech / Investment · 1
EU · 13APAC · 3LATAM · 1UK · 1
What the disclosures say
Tomorrow
“Solarisbank publicly lists Tomorrow as a customer at https://www.solarisgroup.com/en/partners/. Tomorrow's own app privacy policy at https://assets.tomorrow.one/en-EU/legal/app-privacy-policy/tomorrow-app-data-privacy-policy.html explicitly references 'Cooperation with Solaris' including 'Verification of the payee for…”
View source · solarisgroup.com ↗
Bitwala
“FinTechFutures: 'a free current account... hosted by Berlin-based solarisBank.' Wikipedia and LinkedIn confirm Visa debit card and personal IBAN.”
insha
“FinTech Futures: 'Albaraka and solarisBank underpin the technology and infrastructure of insha.'”
Kontist
“Kontist operates SEPA-based transfers and issues Visa Debit Cards via Solarisbank infrastructure.”
Huobi
“Ibsintelligence publicly lists Huobi as a Solarisbank customer (ibsintelligence.com/ibsi-news/huobi-teams-up-with-solaris-to-launch-crypto-debit-card-in-europe/); bitdegree.org confirms Huobi and Solaris partnered to bring a crypto-to-fiat debit card to European Economic Area users from Q2 2023.”
Lexoffice
“Solarisbank acts as the regulated BaaS partner for lexoffice's embedded bank account.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Solarisbank? Claim this profile above to unlock your own full list.
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What Solarisbank runs on · from its own dossier
The third-party providers Solarisbank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Solarisbank.
KYC
Fourthline
Full dossier with evidence for each layer →
Other banks in BaaS

Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust72 buyers →Sutton Bank64 buyers →Cross River57 buyers →Pathward47 buyers →ClearBank40 buyers →Thread Bank35 buyers →Community Federal Savings Bank30 buyers →GBank27 buyers →
Share this rank

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Ranked #26 of 347 in BaaS — Embedded Finance Index 2026
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Solarisbank — frequently asked

Which companies use Solarisbank?

18 companies disclose Solarisbank in their stack in the Embedded Finance Index 2026, including Tomorrow, Bitwala, insha, Kontist, Huobi, Lexoffice, Lexware, CAPTIQ, Samsung Pay, Admirals and 2 others.

What do fintechs use Solarisbank for?

Solarisbank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (17), sponsor bank (7) and card issuer (6).

Does Solarisbank offer embedded finance?

Yes, as Solaris embedded finance platform. Solaris sells itself as a fully licensed German bank that stays neutral and never competes with partners for end customers. In March 2026, under majority owner SBI, it announced a restructuring into an AI-native bank built on standardised, reusable modules.

What are the alternatives to Solarisbank?

The most-disclosed BaaS alternatives to Solarisbank are Evolve Bank & Trust (72 buyers), Sutton Bank (64 buyers), Cross River (57 buyers), Pathward (47 buyers), ClearBank (40 buyers) and Thread Bank (35 buyers).

Where is Solarisbank headquartered?

Solarisbank is founded in 2016 and headquartered in Berlin, Germany.

How much funding has Solarisbank raised?

Solarisbank has raised EUR 530M+ in total.

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