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

Traditional banks are slow, inefficient and not digital — we are different.

  • Company account within 48 hours instead of waiting for weeks
  • Online account opening with German IBAN
  • VISA debit cards for all employees
  • Deposit insurance of up to €100,000
  • Preparatory accounting for easy expense management
  • Accounts from €9/month — no hidden fees

Penta online business account laptop and visa cards

30k+ German Businesses trust Penta with their Banking

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.

Your finance team saves time

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

datev connection
datev connection

Your tax accountant’s favourite software

Penta - the first banking platform with DATEV interface

  • Easy data transfer to DATEV Unternehmen online
  • Directly synchronize transactions from your account with DATEV
  • Import your uploaded receipts via DATEV Belegbilderservice
  • No rework required – send all the required information to your tax accountant in a consistent format
penta direct debits
penta direct debits


Fewer payment defaults

Collect recurring payments via SEPA direct debit and receive payments on time.

Keep control of your incoming payments and get rid of failed payments quickly and easily

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, €65,000 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.

30,000+ 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 @AirHelp

Get your Penta account in 48h!

Free trial – no commitment
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