Is Flybits or Solaris better?

Neither clearly leads. Flybits starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Flybits or Solaris?

Flybits starts at On request and Solaris at On request.

Does Flybits or Solaris run on more platforms?

Flybits runs on Web, iOS, Android. Solaris runs on Web, API.

What is Flybits best used for?

Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what Solaris is typically brought in for.

What can Flybits do that Solaris cannot?

Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

APIs · head to head

Flybits vs Solaris

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

From: On request
Rated: -

Full review Website

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
They diverge on capability: Flybits covers Contextual decisioning engine, Solaris covers German banking licence.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Flybits and Solaris actually diverge.

Attributes where Flybits and Solaris differ
Attribute	Flybits	Solaris
Platforms	Web, iOS, Android	Web, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Flybits

Contextual decisioning engine
Non-technical configuration
Agentic Banking capability
Customer data unification
Card-linked offers
Real-time insight delivery

Only in Solaris

German banking licence
IBAN accounts
Card issuing
Lending as a service
Digital assets and custody
SEPA payments
KYC and onboarding
Deposit protection

What people use each for

The jobs each tool is most often brought in to do.

Flybits

A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Solaris
A product team wanting to configure personalisation rules without needing engineering support for every changenot Solaris
A bank wanting card-linked contextual offers tied to transaction datanot Solaris
A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot Solaris

Solaris

A retailer or platform launching a German current account or card product without applying for its own licencenot Flybits
A fintech that needs deposit taking and lending, which an e-money licence cannot providenot Flybits
A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot Flybits
A company requiring German statutory deposit protection on customer balances as a product claimnot Flybits

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Flybits

Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
Pricing is not published, requiring a licensing negotiation per institution.
As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

Solaris

BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

Pricing, plan by plan

Flybits

On request

Flybits$undefined/year
- Pricing not published, licensed per financial institution deployment

Solaris

On request

Solaris banking as a service$undefined/year
- Quoted per partner, typically setup fee plus monthly platform fee
- Per account, per card and per transaction charges on top
- Interchange sharing arrangements negotiated per programme

Which should you pick?

Choose Flybits if

You need contextual decisioning engine.
You work on Web, iOS, Android.
You also want non-technical configuration.

Flybits review

Choose Solaris if

You need german banking licence.
You work on Web, API.
You also want iban accounts.

Solaris review

Questions people ask

Is Flybits or Solaris better?: Neither clearly leads. Flybits starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flybits or Solaris?: Flybits starts at On request and Solaris at On request.
Does Flybits or Solaris run on more platforms?: Flybits runs on Web, iOS, Android. Solaris runs on Web, API.
What is Flybits best used for?: Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what Solaris is typically brought in for.
What can Flybits do that Solaris cannot?: Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

Answered from the vendors’ own pages

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

Flybits vs Solaris

Flybits

Solaris

The short version

Where they differ

What each one covers

Only in Flybits

Only in Solaris

What people use each for

Flybits

Solaris

Where each one falls short

Flybits

Solaris

Pricing, plan by plan

Flybits

Solaris

Which should you pick?

Choose Flybits if

Choose Solaris if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Flybits

More on Solaris

Keep looking

Other head to heads