Modern business banking for all German legal forms

  • DATEV integration for automated accounting
  • VISA company cards for all employees
  • Batch payments with one-touch authorization
  • Versatile lending options (credit, factoring, leasing)

45,000+ businesses bank on Penta

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

Penta supports all German legal forms

Individuals

Soloprenuers, freelancers, self-employed

Small businesses

GbR, KG, OHG, PartG

Corporations

AG, GmbH, GmbH i.G., GmbH & Co. KG, UG, UG i.G.

Empower your team

  • Issue company cards with individual spending limits
  • Make batch payments using just one TAN
  • Approve and track transactions in real-time
  • Manage and organize receipts digitally

Save 7 hours/week on accounting

  • Integrate your favourite digital accounting tool
  • Scan, upload & categorize receipts with mobile app
  • Create sub-accounts for taxes, teams, and projects
  • Use search filters to find transactions and receipts

The first business account that connects to DATEV

  • Track expenses and invoices online in one place
  • Send receipts directly to your tax advisor
  • Automatically sync transactions with your bookkeeping

Your money’s safe with us

  • €100.000 deposit guarantee
  • Full compliance with GDPR data protection rules
  • Advanced cybersecurity with SSL encryption for sensitive data

Get your Penta account today!

30 days free trial - no commitment
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