Enabling your business to offer financial services

Build your own banking products with our API accessible banking platform

Banking infrastructure Security Compliance Payments API Accounts API Lending API
Illustration: Tech company with a banking license

Tech company with a banking license

solarisBank is a technology company with a German banking license. We enable other businesses to offer fully digital and fully compliant financial services to their end-customers. We combine a platform engineered like a startup with the regulatory expertise of a fully licensed bank - so our clients can truly focus on their core business.

Read more about us

Our modular approach enables your business

We treat the banking services on our platform as building blocks, which our partners can mix and match to create banking services specifically tailored to their business model. These building blocks include bank accounts, KYC services, algorithmic scoring, transactions and even payment cards - all accessible via APIs.

Illustration: Our modular approach enables your business

Build your own banking product with our APIs

Our banking platform provides you with several RESTful APIs to build exactly the financial product your customers want.

Our simple and self-explanatory documentation will have you up and running in almost no time.

Depending on your businesses need, you can easily connect with our APIs for Accounts & Cards, Lending or Payments.

Our services
Build your own
  • Neobank
  • SME bank
  • Debit card
  • Giftcard
  • P2P payment product
  • Marketplace payment service
  • Consumer loan product
  • SME loan product
with our
  • Digital Banking & Cards
  • Payments
  • Lending

Why you should work with solarisBank

Modern tech stack

Modern tech stack

Our banking platform has some of the most advanced RESTful APIs in the market.

Speed & Flexibility

Speed & Flexibility

Our platform approach coupled with our startup mindset will reduce your time to market.



As a pure B2B2X platform, solarisBank is always a strictly neutral partner.

Fully licensed bank

Fully licensed bank

We take care of every regulatory burden, so you can focus on creating the best possible product.

Trusted by innovators across various industries

"Working with solarisBank enabled us to create innovative app solutions for our customers, such as mobile payments and giftcards, while meeting the strict regulatory requirements for e-money products."

Christian Brützel, Managing Director Qnips

"In addition to the technical expertise, we were also impressed by the platform approach of solarisBank. This combination allowed us to meet the technological and legal requirements in a very short period of time. Together, we created the perfect product for our business model, with cost-efficient processes that will have a positive impact on our success as a company."

Stephan Tieleman, Founder & CEO fashioncheque

"We’re excited to tap into the tremendous potential of the B2B factoring market. With a dynamic and innovative banking partner such as solarisBank, we are also able to offer a state-of-the-art factoring solution to B2C e-commerce companies."

Ralf Linden, Managing Director of Sales & Marketing UNIVERSUM Group

"Until now, the process of getting a consumer loan took way too long and was mostly paper-based. The completely digital HeyCash loan changes that. It is finally giving consumers what they’re looking for when applying for a loan: Transparency and saving of time."

Vincent Ma, Director of Banking Verivox

"As a digital fintech challenger you need a banking partner with a similar mindset as well as technological approach. We were excited to have found this partner in solarisBank."

Sebastian Diemer, CEO & Founder finiata

"For the international expansion of our Peer-to-Peer payment product, we needed a licensed banking partner - which we found in solarisBank. Building with their modern API made it easy to connect our two infrastructures together. It made integration painless and straightforward."

Malte Klussmann, COO Cringle

Developers + entrepreneurs + bankers = solarisBank

The multidisciplinary solarisBank team from 25+ nations combines startup engineers and entrepreneurs with seasoned banking and finance experts to create the perfect mix for a tech company with a banking license.

Join the squad

solarisBank team photo

Start building your own banking service

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