The perfect Business Account for Freelancers

Being a freelancer means you have to balance everything, including managing your business finances. Open your business account with Penta and test its digital features, innovative tools and support for free.

Desktop freelancer business account

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.”


Your advantages with Penta

  • Modern business banking with proven security and German IBAN
  • Business VISA Debit Card
  • Easy connectivity with your accounting tools
  • Penta Mobile App on iOS and Android for banking wherever you are


Only 3 steps to open your business bank account

  1. Account application

    Provide your company’s reference data and complete the 3-minute online video identification with IDnow. That’s all. Further information on the required documents in the FAQ section below.

  2. Account verification

    Certain information is required from our partner IDnow due to regulatory reasons in order to verify your identity online.

  3. Enjoy Penta’s advantages

    Your Penta account includes exceptional Premium support. Business Debit Cards enable you to easily manage your budget, and Penta’s innovative features simplify your accounting. Your Penta account is scaling as your business scales and can simply be adjusted to your needs.


Save valuable time on your bookkeeping

  • Create and administer invoices in Lexoffice, sevDesk, Buchhaltungbutler and many more
  • Payments are automatically synchronized with your invoices and marked as paid
  • Connect Penta with your accounting software within seconds
  • Automated synchronization of all transactions in real-time
business banking penta
business banking penta


You stay in control

  • Set your limit on your Business Debit Card
  • Individual spending limits so your expenses stick to the budget
  • Assign financial activities to team members or external partners
  • Maintain an overview of all spendings in real-time


Your money is safe with Penta

  • 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


Real-time updates on costs & spendings

  • Adjust your Penta account as your business grows
  • 100% transparent and comprehensible costs
  • No permanent commitments – account can be adjusted anytime
  • 1 month free trial without any commitment


A business bank account is a bank account specifically dedicated to 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.

A Penta business account includes for example services tailored to companies such as account software integrations,  Business Visa Debit Card, and free monthly transactions. Penta supports your company on the road to success.

We currently offer two options: The “Starter” plan for €9 per month, the “Comfort” plan for €19 per month and the “Enterprise” plan for €49 per month (all excl. VAT). In our pricing list, you will find a detailed overview of the included services for each account plan.

We place high importance on fast and convenient solutions. Therefore, the opening of a business bank account with Penta only takes you around 15 minutes. Afterwards, we verify your information and within just a few days, you can profit from your business bank account.

The whole registration process is done online and after the onboarding, you can immediately access your account. To open your account, you must provide basic information like your name as well as date and place of birth. 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.

We are required by law to verify your personal identity. For this purpose we use the video identification of our partner IDnow. After you have provided all the information about you and your company, we will forward you to IDnow in the final step. In a video chat you will be asked to hold your ID document in the camera of your smartphone or PC and confirm some information. The VideoIdent process takes no longer than 3 minutes. You can learn more here.

Better Banking with Penta. Open Your Business Account Now.

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