Business Banking Simplified

Business Banking Simplified

Penta puts banking, budgeting, and bookkeeping at your fingertips.

  • Apply in 15 minutes and start banking within 48 hours
  • Connect DATEV & other bookkeeping tools
  • Issue company cards with individual spending limits

Penta puts banking, budgeting, and bookkeeping at your fingertips.

  • Apply in 15 minutes and start banking within 48 hours
  • Connect DATEV & other bookkeeping tools
  • Issue company cards with individual spending limits
Partner of

45,000+ businesses bank on Penta

Why Penta?

Flexible

Flexible pricing tiers, add-ons, and multi-user management

Climate-neutral

Through reduction measures and offsetting projects
LEARN MORE

Inclusive

We support all German legal forms

EMPOWER YOUR INNER CFO

Make payments & manage expenses as a team

Give everyone their own card

Allow teams and employees to spend more efficiently without having to worry about reimbursements.

Track spending in real-time

See who’s spending how much and where, so you can keep budgets in check and make adjustments on the fly.

Add users with individual permissions

Share account access and set spending limits so everyone can bank from their personal device.

Stay organised 24/7

Create budgets, assign categories, and add notes to transactions. Easily find what you need with spotlight search.

BOOKKEEP WHILE YOU BANK

Save time on tax admin

Connect your bookkeeping software

Automatically sync account activity so your books are in order when tax time comes.

Separate your tax money

Avoid end-of-year-surprises and know what’s yours by putting aside tax money with subaccounts.

Add receipts on the go

Scan and upload paper receipts with your phone and add accounting notes to digital receipts.

File taxes easier than ever before

Export your financial data or invite your accountant to work directly from your account.

Supported bookkeeping integrations

Choose Your Pricing Plan

Start by choosing a base plan that best suits your business.
For each plan, you can add extra features for full flexibility.

Starter

All the basics for daily business banking. Ideal for startups, sole proprietors, and smaller businesses.

€ 9
/month (+ VAT)
No hidden fees • Cancel anytime
Penta Banking
  • 2 Users

    ? Get additional banking logins for your co-founder(s), accountant(s) or employee(s). Every additional user above your plan allowance is charged with 2 € per month.
  • 2 Cards

    ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Every additional card above your plan allowance is charged with €2 per card.
  • 100 Outgoing SCTs

    ? Includes standing orders and scheduled / recurring transfers in the SEPA-zone. Each additional outgoing transfer above your plan costs €0.20. Incoming transfers and EUR card transactions are free and unlimited.
  • 1 Subaccounts

  • 2 ATM Withdrawals

    ? Starter includes 2 monthly cash withdrawals, Comfort includes 3 monthly cash withdrawals for free and Enterprise 9 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of €2.50.
  • Lexoffice, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 1% FX Mark-up

    ? Make local or priority payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local routes are charged 3.50 € each, while priority payments via the SWIFT network are charged a fee ranging from 15 € to 30 € each depending on the payment type and destination country. We also apply a markup on the traded amount for non-EUR currencies (1% for Starter Plan, 0.5% for Comfort Plan and 0.3% for Enterprise Plan).
  • SDD Collections

    ? Let third parties charge your account via SEPA Direct Debit (SDD). Payments via the SDD Core and SDD B2B schemes are supported and free and unlimited. SDD collections are currently only supported via the SDD Core scheme. €0.30 are charged for each collected Direct Debit. Failed or returned payment collections are charged €3 each.
  • Penta rewards

    ? Get access to special curated deals for SMEs.
  • DATEV Belegbilderservice

  • Point-of-Sale Banking

    ? Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, €29 one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Chat support

Most popular

Comfort

Extensive banking features for growing businesses. Perfect for companies managing many employees and transactions.

€ 19
/month (+ VAT)
No hidden fees • Cancel anytime
Penta Banking
  • 5 Users

    ? Get additional banking logins for your co-founder(s), accountant(s) or employee(s). Every additional user above your plan allowance is charged with 2 € per month.
  • 5 Cards

    ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Every additional card above your plan allowance is charged with €2 per card.
  • 300 Outgoing SCTs

    ? Includes standing orders and scheduled / recurring transfers in the SEPA-zone. Each additional outgoing transfer above your plan costs €0.20. Incoming transfers and EUR card transactions are free and unlimited.
  • 4 Subaccounts

  • 3 ATM Withdrawals

    ? Starter includes 2 monthly cash withdrawals, Comfort includes 3 monthly cash withdrawals for free and Enterprise 9 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of €2.50.
  • Lexoffice, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 0,5% FX Mark-up

    ? Make local or priority payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local routes are charged 3.50 € each, while priority payments via the SWIFT network are charged a fee ranging from 15 € to 30 € each depending on the payment type and destination country. We also apply a markup on the traded amount for non-EUR currencies (1% for Starter Plan, 0.5% for Comfort Plan and 0.3% for Enterprise Plan).
  • SDD Collections

    ? Let third parties charge your account via SEPA Direct Debit (SDD). Payments via the SDD Core and SDD B2B schemes are supported and free and unlimited. SDD collections are currently only supported via the SDD Core scheme. €0.30 are charged for each collected Direct Debit. Failed or returned payment collections are charged €3 each.
  • Penta rewards

    ? Get access to special curated deals for SMEs.
  • DATEV Belegbilderservice

  • Point-of-Sale Banking

    ? Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, €29 one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Chat support

Enterprise

The full Penta experience. Designed for large, multi-department companies with a high transaction volume.

€ 49
/month (+ VAT)
No hidden fees • Cancel anytime
Penta Banking
  • 15 Users

    ? Get additional banking logins for your co-founder(s), accountant(s) or employee(s). Every additional user above your plan allowance is charged with 2 € per month.
  • 15 Cards

    ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Every additional card above your plan allowance is charged with €2 per card.
  • 600 Outgoing SCTs

    ? Includes standing orders and scheduled / recurring transfers in the SEPA-zone. Each additional outgoing transfer above your plan costs €0.20. Incoming transfers and EUR card transactions are free and unlimited.
  • 6 Subaccounts

  • 9 ATM Withdrawals

    ? Starter includes 2 monthly cash withdrawals, Comfort includes 3 monthly cash withdrawals for free and Enterprise 9 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of €2.50.
  • Lexoffice, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 0,3% FX Mark-up

    ? Make local or priority payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local routes are charged 3.50 € each, while priority payments via the SWIFT network are charged a fee ranging from 15 € to 30 € each depending on the payment type and destination country. We also apply a markup on the traded amount for non-EUR currencies (1% for Starter Plan, 0.5% for Comfort Plan and 0.3% for Enterprise Plan).
  • SDD Collections

    ? Let third parties charge your account via SEPA Direct Debit (SDD). Payments via the SDD Core and SDD B2B schemes are supported and free and unlimited. SDD collections are currently only supported via the SDD Core scheme. €0.30 are charged for each collected Direct Debit. Failed or returned payment collections are charged €3 each.
  • Penta rewards

    ? Get access to special curated deals for SMEs.
  • DATEV Belegbilderservice

  • Point-of-Sale Banking

    ? Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, €29 one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Chat support

Optional add-ons

Personalise your banking experience by adding more features to your selected pricing plan.

Extra user

Add as many users as you need.
€ 2 / mo per user

Extra card

Add as many cards as you need.
€ 2/ mo per card

Extra subaccount

Add up to 15 sub-accounts.
€ 4/ mo per sub-account

SDD Collection

Collect as many SDD collections as needed.
€ 0.30/ mo per collection

GO GREEN WITH US

Climate-neutral banking

  • Climate-neutral since 2020
  • Achieved through internal reduction measures and the support of certified climate protection projects
  • 10% less emissions per year
  • 100% renewable energy at our Berlin office

See what our customers are saying – from solopreneurs to CEOs

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

“Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.”

Start banking within 48 hours

No hidden fees • Cancel anytime
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