Mobile banking in the palm of your hand

Business banking
in the palm of your hand

Make payments, manage expenses, and do your bookkeeping with the Penta mobile app. Sign up in 15 minutes without ever stepping foot in a branch.

Make payments, manage expenses, and do your bookkeeping with the Penta mobile app. Sign up in 10 minutes without ever stepping foot in a branch.

45,000+ businesses bank on Penta

Mobile onboarding

for freelancers and sole proprietors

Sign up, verify your identity, and start banking straight from your smartphone

Download
Download the Penta app and sign up for an account.
Verify identity
Upload ID and documents related to your freelance business or sole proprietorship.
Start banking
Within 48 hours, your account will be open and ready for mobile banking.
*For other business types, mobile banking is available after web onboarding.

100% mobile banking

Download the Penta App to access all banking and bookkeeping features wherever you go. The first 30 days are free.

*Freelancers and sole proprietors are eligible to open an account via the app

Branchless, browserless business banking – 24/7

Dein Banking, Deine Buchhaltung – alls in einer App. Für alle Rechtsformen und Kontotypen.

Manage expenses with sub-accounts

Set up direct debit and make batch payments

Go contactless with Google Pay

Easily find and categorize transactions

Easily plan, track, and make
payments – 24/7

Why hire a CFO when you can be your own? Sub-accounts make it easy to put money aside for taxes, teams, and salaries. They’re also a great way to separate income streams and save for investments. Meanwhile, spotlight search and real-time notifications keep you on top of every account movement.

Freeze card if lost or stolen

Change PIN in case of compromise

Verify payments with biometric ID or mobileTAN

Manage user roles – from view-only to admin

Set budgets and spending limits

On-the-go bookkeeping

Don’t wait until the end of the year to catch up on taxes. With the Penta app, you can bookkeep while you bank.

  • Snap and file receipts from your phone
  • Put money aside for VAT and other taxes
  • Add notes to transactions
  • Sync your favourite bookkeeping tool
  • Create categories and add notes

Supported bookkeeping integrations

Always safe and secure

With Penta, seamlessness and security go hand-in-hand. State-of-the-art authentication protocols and a government-backed deposit guarantee mean your login and money are safe as can be.

Biometric login like TouchID and FaceID

2FA and smartphone device binding

Verify payments with biometric ID or mobileTAN

TLS encryption for sensitive data

€100,000 bank deposit protection

Get your Penta account today!

30 DAYS FREE
Cancel anytime. No hidden fees.

Get your Penta account today!

30 DAYS FREE
Cancel anytime. No hidden fees.
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