Innovative business account – open in just 48h

Modern business banking with extensive functions: multiple cards for your team, automated accounting and 100% security.

Penta supports all common legal forms

Individuals

Sole proprietorship, freelancers e.K.

Partnerships

GbR, KG, OHG, PartG

Corporations

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

A modern business account that meets all your needs

Made for your company

Penta was developed by founders for founders.

Keep the overview

Intuitive expense management thanks to a modern app.

Strengthen your team

Individual company cards for all colleagues.

Save time on accounting

Direct integration with your accounting system.

Open your account today!

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2
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  1. Apply for your business account
  2. Account is checked
  3. Get started!

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 Banking¹
  • 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 Banking¹
  • 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 Banking¹
  • 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

¹ Our partner Solaris is the provider of all banking services.

The modern business account

Made for your company

  • Penta was developed by founders for founders
  • The Penta account is tailored to your needs
  • Fast and personal customer service
  • Customer-oriented development of new functions
  • Slack-Community: Exchange ideas with the Penta Team and other founders
#ByeByePaperwork

Keep the overview

  • 100% digital, 24/7 banking
  • iPhone and Android apps for your banking needs on the go
  • Real-time synchronizations of all transactions
  • Keep track of all transactions and add notes for accounting
Manage finances together

Strengthen your team

  • As many company cards as you need
  • Set budget limits for individual cards, up to 25,000€ / month per card
  • Keep track of your team’s expenses
Automated accounting

Save time on accounting

  • Penta integrates with your accounting system within seconds
  • Create and track invoices in Lexoffice or Debitoor
  • Payments are automatically compared with invoices and shown as paid
  • Make multiple transfers at once

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.”

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Open your Penta business account in just 48 hours.

No obligations - cancel anytime

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