Business banking with expense management automated accounting company cards sub-accounts

Fast online banking for startups and SMEs. Get corporate cards for your team to enjoy easy expense management and accounting. Open online in 48h.

Why Penta?

Penta is the best account for everyday banking.
Make it your primary account or use it alongside existing accounts.

German IBAN

German current account with German IBAN.

Business Card

Your first Business Card is 100% free.

Guaranteed deposits

Standard German guarantee on deposits up to 100,000€.

Corporate cards for employees

Team banking is a smarter way

Empower your team

Get Business Debit Cards for your employees to spend efficiently and avoid passing one card around.

Save time on routine tasks

Let your team prepare the payments for your approval. Approve batch payments with one TAN.

No more reimbursements

Your employees can now pay with their own Penta card, attach receipts and add notes to transactions.

Control the spending

See expenses real-time, set custom spending limits per card, and get notified when transactions are made.

Automated Accounting

No more manual bookkeeping

Save 11h/week

Penta syncs with Datev, lexoffice, debitoor, and other accounting software in real-time.

No more lost receipts

Attach receipt photos and notes to transactions from your desktop or mobile with one click.

Always know how much you spend

Track the spending for each project or part of the budget using custom categories for each transaction.

Finance team saves your time

Let your accountant or finance team categorize all the transactions to match the accounting procedures.

Better Business Banking

Like no other bank account

  • Traditional Banks
  • Penta
  • Customer-centric approach, built by business owners
  • Digital-first, available 24/7 on mobile or desktop
  • Transparent pricing, upgrade as you grow
  • As many company cards as you need, €25k limit / card
  • Fast and friendly support via phone and e-mail
  • Customer-driven public roadmap
  • Built based on your feedback
  • Slack community
  • Deposit guarantee scheme up to €100,000.

Penta’s Public Roadmap

More than a bank

Penta’s vision is to build a marketplace of services connected to the bank account where you can get the best offer for loans, software, legal and other solutions your business needs.

Mid 2020


Choose the best loan, request it online in minutes, and get it approved within 48 hours.

Mid 2020

Penta Marketplace

Get exclusive offers and integrations from our partners that go beyond traditional banking.

Late 2020

External API access

Automate your transfer orders and integrate third-party software into your Penta account.

Late 2020

Cash flow analysis

Integrated cash-flow analytic tools to predict your future cash flow.

20,000+ Businesses LOVE Penta.

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

Krzysztof Piernicki VP Finance

Get your Penta account in 48h!

Free trial – no commitment