Introducing Multiple Logins & MasterCards

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Open a free business bank account online in minutes.

Penta helps small businesses and startups save time and money with easy online banking. Great features. Top security. Fast support.

open account now

Easy business banking.

Penta provides the same financial tools as traditional  banks, but is easier to use and helps you save time and money.

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German IBAN

You will have your own personal German IBAN to send and receive payments all over Europe (SEPA Zone).

MasterCard

You’ll receive your debit MasterCard, used for online and offline payments, to your address within a few days.

Real-Time

Real-time banking. Get instant balance updates when you send or receive money.

Professional Support

Our support is professional, quick, and friendly. We speak German and English.

Multiple Cards & Users

Let your business partners easily access your bank account. Order multiple MasterCards.

Recurring Payments

Spend less time sending money. Set up automatic payments on a recurring basis.

CSV Export

Categorize your transactions and export a CSV file to send to your accountant.

Custom notifications

Receive immediate email notifications about incoming or outgoing transactions, failed payments, and more.

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penta online Firmenkonto, geschäftskonto kostenlos
New feature

Multiple Logins & MasterCards

Now your business partner, accountant or employees can access your bank account with the permissions you assign. Delegate small banking tasks while still keeping full control of the account.

Does your team need more than one card? With Penta you can easily get MasterCards for all your business partners. Easily order additional cards and set custom spending limits right from your account.

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penta online Firmenkonto, geschäftskonto kostenlos

Here’s the Penta Product Roadmap for the coming months.

With Penta, you set the pace. We design the product around your needs and let you vote on our public roadmap.

Here are some of the features we will be releasing soon.

Open API

Automate your banking tasks and integrate your Penta bank account with any software.

Direct Debit

Penta will give you the ability to charge your customers using Direct Debit.

Automated Accounting

Automate your accounting and sync your account with DATEV. We’ll also integrate other useful accounting tools into your Penta account.

Foreign Transfers

No more high fees on international transfers. Send money in 34 different currencies all across the world — at a low-cost.

Thousands of business in Germany are using Penta. Join them today!

Here’s what our customers say about us:

"Thanks Penta for simplifying corporate banking for us! We switched recently and really love the design and UX."

Wünsche Christoph

BePro 11

"The onboarding process with Penta was super easy! I used „digital only banks“ before and with the guys from Penta it was above easy. Keep it going, that‘s how business banking works!"

Kim Körber

Better.one GmbH

"Opening up a business bank account was never easier and smoother. I wish I had Penta for my previous businesses!"

Christos Zioutas

Data Circle UG

"Penta made setting up a bank account incredibly easy, quick and straightforward. Best of all, we didn’t need to deal with any paperwork."

Sissel Hansen

Startupguide.world

"Penta has the greatest customer support I have experienced with any service. It's just like out of a movie. Penta's support is quick, fast and they care."

Bobby Juan

Nok City

Thousands of businesses
all over Germany use Penta.

Learn why so many companies choose Penta as their primary bank account.

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New feature

Deposit your Share Capital with Penta.

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. Within 48 hours, your account is approved. All  you’ll need is your passport or a valid ID, and you’ll need to upload the following documents:

Gesellschaftsvertrag

(Articles of Association)

Gesellschafterliste

(List of shareholders)

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Your money is safe.
Your data is secure.

Guarantee on Deposits

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.

Regulation & Compliance

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.

Data Protection

The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.

Penta online online business bank account, startup bank

Your money is insured. Your data is secure.

Insurance on Deposits

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.

Regulation & Compliance

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.

Data Protection

The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.

Transparent pricing.
No hidden fees.

Basic

0 EUR

per Month

10 free outgoing SEPA transfers

each additional 0.10 EUR

1 Business MasterCard

1 Online banking user

Coming soon

3% Foreign currency transfers

No API access

Advanced

9 EUR

per Month

Most popular

100 free outgoing SEPA transfers

each additional 0.10 EUR

2 Business MasterCards

2 Online banking users

Coming soon

1% Foreign currency transfers

No API access

Premium

19 EUR

per Month

Unlimited free outgoing SEPA transfers

Unlimited Business MasterCards

Unlimited Online banking users

Coming soon

0.6% Foreign currency transfers

Included API access

30 EUR Setup Fee

10 free outgoing SEPA transfers

each additional 0.10 EUR

1 Business MasterCard

1 Online banking user

Coming soon

3% Foreign currency transfers

No API access

Basic

0 EUR

per Month

Premium

19 EUR

9 EUR

per Month

Only for the first 6 months

special offer!

No Setup Fee

Unlimited free outgoing SEPA transfers

Unlimited Business MasterCards

Unlimited Online banking users

Coming soon

0.6% Foreign currency transfers

Included API access

Who can open a Penta account?

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

Penta online business bank account availability, startup bank account
Penta online business bank account availability, startup bank account

Who can open a Penta account?

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

Open a Penta account today.

Sign-up online. All you need is your passport or ID.

1

Tell us about yourself and your business

Fill in your personal and business information, including your shareholders’ details.

2

Personal identification

Identify yourself online. All you need is your passport or ID.

3

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.

APPLY IN 10 MINUTES