The digital business account for your AG

Penta is the all-in-one business account to manage your corporate finances and expenses on a daily basis. With access for all shareholders, VISA company cards and sub-accounts for investments and reserves of your company.

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25k+ German Businesses trust Penta with their Banking.

“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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MORE THAN A BUSINESS ACCOUNT

Benefits for your AG

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Control your expenses, payments, access for co-founders and accountants and create sub-accounts to analyze your team’s expenses – via app or browser.

Our 100% digital current account with German IBAN offers you a seamless integration with your accounting software, innovative accounting and receipt management and the execution of international transfers in more than 35 currencies with full price transparency.

Send multiple transfers at once, digitise receipts and add categories to your transactions – online and paperless.

Taxes for large companies

Accounting of the future

Digital Bookkeeping

Provide your tax accountant with all the data they need – at any time.

Eliminate end-of-month stress

Do everything with one click – no more manual data transfer stress at the end of the month.

Save time

No need for time-consuming data transfers to your accountant – directly synchronize all the required information.

Access to client account

Give your tax accountant access to your Penta account for even faster bookkeeping.

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Expense Management

Ease your company’s financial management

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  • Add company cards and users with individual permissions
  • Attach receipts, categories and notes to transactions
  • Define individual access rights for your tax consultant
  • Put aside tax reserves, manage teams or make savings with additional sub-accounts

Open your AG business account in 3 steps

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  1. Account application
  2. Account confirmation
  3. Welcome!

FAIR PRICING

Real-time updates on costs & spendings

  • Adjust your Penta account as your business grows

  • No permanent commitments for LLC – account can be adjusted anytime

  • 100% transparent and comprehensible costs

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GUARANTEED SECURITY

Your money is safe with Penta

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  • Your business bank account is kept with solarisBank and supervised by the German banking authority BaFin
  • Deposits are protected up to €100.000
  • Data protection under GDPR
  • Cyber security including SSL encryption of sensitive data

Open your business account now!

FAQ

The Penta business account is a beneficial account for AGs, GmbHs or GmbH & Co. KG, which is specially designed for companies. It is comparable to a bank account for private individuals but usually offers more extensive functions. Nevertheless, the basis for both is to make and receive payments.

If you want to open your business account you basically need the following information:

  • Type of company
  • Business activities
  • Industry
  • Industry code
  • Number of employees
  • Ownership and company structure
  • and the most important (expected) financial ratios

For identification purposes, it is necessary to carry out a video identification procedure through our partner, IDnow. During this procedure, a consultant will check your identification documents online.

  • You founded a company in Germany
  • You live in Germany or abroad
  • We support all legal forms – Here you can find a list

Opening a bank account is reasonable for every businessperson, regardless of the chosen legal form, in order to separate private and business transactions accurately with a company account. This makes it easier for you when filing your tax return or during a tax audit, so that you can clearly prove all business transactions. For the legal form of the AG there is even a legal obligation to hold a business account in the name of the company.

We currently offer two options: The “Advanced” plan for €9 per month and the “Premium” plan for €19 per month (both excl. VAT). In our pricing list, you will find a detailed overview of the included services for each account plan.

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