Penta helps small businesses and startups save time and money with easy online banking. Great features. Top security. Fast support.
Penta provides the same financial tools as traditional business banks, but is easier to use and helps you save time and money with online business banking.
You will have your own personal German IBAN to send and receive payments all over Europe (SEPA Zone).
You’ll receive your debit MasterCard for online and offline payments to your address within a few days.
Real-time banking. Get instant balance updates when you send and receive money.
Our support is professional, quick and friendly. We speak German and English.
Penta is free to open and free to use. You'll receive 10 free transactions every month.
Spend less time sending money. Automatically set payments on a recurring basis.
Categorize your transactions and export a CSV file to send to your accountant.
Your funds are held on an escrow account that we cannot access
In the coming weeks and months, we’ll be releasing some exciting new features and products that will help your business save time and money. Here’s a sneak peak of what we’re working on.
Let several team members access your bank account. Issue multiple MasterCards with custom limits.
Penta will give you the ability to charge your customers using Direct Debit.
Automate your accounting and sync your account with DATEV. We’ll also integrate other useful accounting tools into your Penta account.
No more high fees on international transfers. Send money in 34 different currencies all across the world — at a low-cost
In the coming weeks and months, we’ll be releasing some exciting new features and products that will help your business save time and money. Here’s a sneak peak of what we’re working on:
Let several team members access your bank account. Issue multiple MasterCards with custom limits.
No more high fees on international transfers. Send money in 34 different currencies all across the world — at a low-cost
Automate your accounting and sync your account with DATEV. We’ll also integrate other useful accounting tools into your Penta account.
Penta will give you the ability to charge your customers using Direct Debit.
Here’s what our customers say about us:
The easiest way to open a bank account and deposit your share capital for your business is now available with Penta—and it’s 100% online.
At Penta, we’ve made the process so easy that it only takes 15 minutes to apply and up to 48 hours to approve your account. You’ll need your passport or a valid ID, and you’ll need to upload the following documents:
Gründungsurkunde
(Memorandum)
Gesellschaftsvertrag
(Articles of Association)
Gesellschafterliste
(List of shareholders)
Your money is secured by the European Deposit Guarantee Fund in case of insolvency up to € 100,000. This is the standard for all European Union credit institutions.
Penta accounts are held by solarisBank AG, which is regulated by The Federal Financial Supervisory Authority of Germany (Bundesanstalt für Finanzdienstleistungsaufsicht) better known as BaFin.
The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.
Your money is secured by the European Deposit Guarantee Fund in case of insolvency up to € 100,000. This is the standard for all European Union credit institutions.
Penta accounts are held by solarisBank AG, which is regulated by The Federal Financial Supervisory Authority of Germany (Bundesanstalt für Finanzdienstleistungsaufsicht) better known as BaFin.
The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.
No monthly costs
10 first transactions per month
0 EUR
Every transaction after the 10th
0,10 EUR
Each additional business MasterCard
2 EUR/Month
Card transactions in Euro
0 EUR
Card transactions in different currencies
2 %
Sign up online in minutes.
Beautiful and easy to use interface.
100% online and paperless.
Freeze, unfreeze and change your MasterCard PIN instantly.
2-factor authentication on payments
Sign up online in minutes.
Beautiful and easy to use interface.
100% online and paperless.
Freeze, unfreeze and change your MasterCard PIN instantly.
2-factor authentication on payments
No monthly costs
10 first outgoing transactions per month
0 EUR
Every outgoing transaction after the 10th
0,10 EUR
Each additional business MasterCard
2 EUR/Month
Card transactions in Euro
0 EUR
Card transactions in different currencies
2 %
Penta is only available for German businesses. You are eligible to open a Penta account for your German business if you live in Germany or abroad.
You can also open an online business bank account if you’re incorporating a company in Germany (In Gründung) and if you need to deposit your share capital.
We are able to accept the following German company forms:
UG - GmbH - AG - GbR - OHG - PartG - KG - e.K. - eG
GmbH in Gründung
UG in Gründung
Sign-up online. All you need is your passport or ID.
Tell us about yourself and your business
Fill in your personal and business information, including your shareholders’ details
Personal identification
Identify yourself online. All you need is your passport
Your account is opened
Within 48 hours we’ll approve your account and notify you. Your account is now opened! Now you can order your MasterCard.
