Bankident Plus already meets upcoming German AML requirements, speeds up customer verification, and increases security during account opening.
BERLIN — January 29, 2026 — Solaris, Europe’s leading embedded finance platform, recently launched Bankident Plus, an enhanced identification solution that verifies a customer’s identity and opens a bank account in one seamless flow.
The new solution pairs a Qualified Electronic Signature (QES) with a reference transfer completed during a customer’s first account top-up. This simultaneous process meets the new requirements of Germany’s Anti-Money Laundering Act and helps Solaris’ partners boost onboarding conversion while reducing operational risk.
Bankident Plus adds a short pre-identification step (selfie capture and ID photo), followed by a QES. The mandatory reference transfer is bundled into the first SEPA top-up. Once the payment is confirmed and the identity is verified and has successfully passed Solaris’ fraud prevention systems, Solaris activates the account, giving customers immediate access and allowing them to use the account right away. Because identity verification is part of the top-up customers would make anyway, the flow is intuitive, safe, and time-saving. If identification fails, the account will not be activated.
With Bankident Plus, we’ve turned identity verification and account opening into a single, compliant motion. By combining pre-identification, QES, and a reference transfer that serves as the first top-up, Solaris’ partners can meet strict German AML obligations, improve conversion, and reduce operational risk, while giving customers a faster path to account activation.Andreas Simonsen, Executive Director Commercial Solaris SE.
What’s new versus Bankident: Both products pair QES with a reference transfer. However, Bankident Plus adds pre-identification and embeds the reference transfer into the first top-up, eliminating an extra step that Bankident typically handled separately. The outcome is a simpler user journey, faster verification, and immediate usability of the account upon successful name match. Unlike VideoIdent procedures, no interaction with an employee is required. Bankident Plus is a fully automated process that is available around the clock without any waiting times.