Solaris alternatives - verified European options
94 verified providers share Solaris's ground. The closest matches are below, European-origin first - facts, not verdicts, each checked at source.
Who you would be replacing: Solaris is built for teams that want accounts, payments and cards behind one contract and one API. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: local IBANs in DE; credit-card capable.
An alternative has to cover the same ground - BaaS, Card issuing software, BIN sponsor, IBAN sponsor, Lending module - and fit your licence model, markets and data-residency requirements. The cards below rank by verified capability overlap; every claim traces to the provider's profile and register entry. The full category list lives in the BaaS hub.
Side-by-side
Verified facts in one table - licence, residency, rails. No verdict.
Closest verified alternatives
Local IBANs: ES
Pecunpay (Pecunia Cards EDE SL, Spain; est. 2015) - card issuing and BIN sponsorship; Visa/Mastercard and the first Spanish issuer of UnionPay cards. Spanish EMI (Banco de Espana). First EMI with direct access to the Spanish payment system (Iberpay) and its own IBAN codes.
Local IBANs: FR DE ES IT NL BE
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
Local IBANs: LT
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
Local IBANs: LT
ConnectPay (Lithuania) - BaaS and embedded finance for platforms (accounts, payments, cards). EMI No. 24 (Bank of Lithuania); PIS/AIS extension 2024.
Local IBANs: EE
Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).
Local IBANs: BG
iCard (Bulgaria) - personal and business IBANs, cards and a wallet (Phyre); the 2nd-largest EMI in Bulgaria (37.8% share). EMI, Bulgarian National Bank.
FAQ
What are the best Solaris alternatives?
Fintechnologica lists 94 verified European providers sharing Solaris's categories (BaaS, Card issuing software, BIN sponsor, IBAN sponsor, Lending module); the closest matches by verified capability overlap are on this page, European-origin first. Which one fits depends on your markets, licence model and volumes - exactly the comparison a match request answers with three named providers.
How do I compare Solaris with an alternative side by side?
Start from the verified fields every profile carries - licence type and regulator, EEA data residency, local IBANs and rails, published pricing. Curated side-by-side tables exist for selected pairs, and the catalogue's Compare checkbox puts any three providers in one table. For a like-for-like brief across three named providers, request a match.