The account sits alongside the existing credit card account and can be opened digitally in a few steps. Onboarding requires IBAN linking and two-factor authentication. Deposits and withdrawals are processed either via the ADAC credit card account or a designated reference account, and deposited funds remain available daily.

At launch, new customers receive a promotional interest rate of 3.5% per annum for the first three months. After that, a variable standard rate of 1.5% per annum applies to balances up to 100,000 euros. Interest accrues monthly and can be tracked daily through the ADAC credit card app and online banking portal.

Steffen Jentsch, chief executive of Solaris, said the savings product was the “next logical step” in the partnership, with a stated aim of continuously expanding digital services for ADAC’s large membership base. Joost Greve, managing director of ADAC Finanzdienste GmbH, pointed to simple digital processes and security standards as the product’s defining priorities.

The savings account is not the only feature added to the ADAC card this year. Since May, cardholders have had access to a function called EuroAbruf, which allows customers to transfer up to 5,000 euros from their available credit limit directly to a personal bank account via SEPA Instant Credit Transfer. The process is fully self-service and subject to risk and authorisation checks. According to a survey cited by Solaris, 90.3% of participating cardholders said they were very satisfied with the additional card features, though the methodology and sample size were not disclosed.

The two additions together represent a pattern familiar in embedded finance: a card product used as a distribution anchor, with savings, credit access and payments layered progressively on top.

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