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
25k+ German Businesses trust Penta with their Banking
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.
No more manual bookkeeping
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.
CORONA FIRST AID FOR YOU
KfW Instant Loan – Apply now via your Penta account
Freelancers and businesses can apply for the KfW Instant Loan via your Penta account online – in just 15 minutes.
Further information on the application process can be found on our dedicated page.
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
SAVE TIME AND MONEY WITH 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
- Traditional Banks
- 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.
Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.