Is Solaris or Weavr better?

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

Which is cheaper, Solaris or Weavr?

Solaris starts at On request and Weavr at On request.

Does Solaris or Weavr run on more platforms?

Solaris runs on Web, API. Weavr runs on Web, REST API.

What is Solaris best used for?

Solaris is most often used for a retailer or platform launching a german current account or card product without applying for its own licence, a fintech that needs deposit taking and lending, which an e-money licence cannot provide, a european business needing german ibans because customers reject foreign ibans for salary and direct debit, a company requiring german statutory deposit protection on customer balances as a product claim. Of those, a retailer or platform launching a german current account or card product without applying for its own licence and a fintech that needs deposit taking and lending, which an e-money licence cannot provide are not what Weavr is typically brought in for.

What can Solaris do that Weavr cannot?

Solaris covers German banking licence, IBAN accounts, Lending as a service, Digital assets and custody. Weavr covers Plug-and-play products, Regulated cover, Multi-currency accounts, Identity and onboarding. Both handle Card issuing.

APIs · head to head

Solaris vs Weavr

Solaris

APIs

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

From: On request
Rated: -

Full review Website

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: 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.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
They diverge on capability: Solaris covers German banking licence, Weavr covers Plug-and-play products.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Solaris and Weavr actually diverge.

Attributes where Solaris and Weavr differ
Attribute	Solaris	Weavr
Platforms	Web, API	Web, REST 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 Solaris

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

Only in Weavr

Plug-and-play products
Regulated cover
Multi-currency accounts
Identity and onboarding
Data insights

Both cover

Card issuing

What people use each for

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

Solaris

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

Weavr

A project management SaaS adding expense cards without hiring a compliance officernot Solaris
A marketplace paying out sellers from accounts held inside its own productnot Solaris
A procurement platform issuing virtual cards against approved purchase ordersnot Solaris
A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Solaris

Where each one falls short

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

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.

Weavr

Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

Pricing, plan by plan

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

Weavr

On request

Weavr embedded finance$undefined/year
- Platform subscription plus per-account and per-card fees
- Interchange share negotiated as part of the commercial terms
- Monthly minimums apply to card programmes

Which should you pick?

Choose Solaris if

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

Solaris review

Choose Weavr if

You need plug-and-play products.
You work on Web, REST API.
You also want regulated cover.

Weavr review

Questions people ask

Is Solaris or Weavr better?: Neither clearly leads. Solaris starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Solaris or Weavr?: Solaris starts at On request and Weavr at On request.
Does Solaris or Weavr run on more platforms?: Solaris runs on Web, API. Weavr runs on Web, REST API.
What is Solaris best used for?: Solaris is most often used for a retailer or platform launching a german current account or card product without applying for its own licence, a fintech that needs deposit taking and lending, which an e-money licence cannot provide, a european business needing german ibans because customers reject foreign ibans for salary and direct debit, a company requiring german statutory deposit protection on customer balances as a product claim. Of those, a retailer or platform launching a german current account or card product without applying for its own licence and a fintech that needs deposit taking and lending, which an e-money licence cannot provide are not what Weavr is typically brought in for.
What can Solaris do that Weavr cannot?: Solaris covers German banking licence, IBAN accounts, Lending as a service, Digital assets and custody. Weavr covers Plug-and-play products, Regulated cover, Multi-currency accounts, Identity and onboarding. Both handle Card issuing.

Answered from the vendors’ own pages

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.

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

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.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

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.

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

Solaris vs Weavr

Solaris

Weavr

The short version

Where they differ

What each one covers

Only in Solaris

Only in Weavr

Both cover

What people use each for

Solaris

Weavr

Where each one falls short

Solaris

Weavr

Pricing, plan by plan

Solaris

Weavr

Which should you pick?

Choose Solaris if

Choose Weavr if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Solaris

More on Weavr

Keep looking

Other head to heads