Introducing Multiple Logins & MasterCards
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Introducing Multiple Logins & MasterCards
learn more
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 banks, but is easier to use and helps you save time and money.
You will have your own personal German IBAN to send and receive payments all over Europe (SEPA Zone).
You’ll receive your debit MasterCard, used for online and offline payments, to your address within a few days.
Real-time banking. Get instant balance updates when you send or receive money.
Our support is professional, quick, and friendly. We speak German and English.
Let your business partners easily access your bank account. Order multiple MasterCards.
Spend less time sending money. Set up automatic payments on a recurring basis.
Categorize your transactions and export a CSV file to send to your accountant.
Receive immediate email notifications about incoming or outgoing transactions, failed payments, and more.
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.
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.
Automate your banking tasks and integrate your Penta bank account with any software.
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.
Here’s what our customers say about us:
Learn why so many companies choose Penta as their primary bank account.
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)
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.
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
per Month
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
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
per Month
per Month
Only for the first 6 months
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
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 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 or ID.
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.
