Connect Penta and DATEV directly through your account now!
Connect Penta and DATEV now!
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The business account for those who want more

Penta is the all-in-one solution for your finances.
Spend less time on administration and more time focusing on what’s important – your business. Open your business account in 48 hours.

Manage your finances with Penta

Sub-accounts

Set up sub-accounts for your taxes, teams and investments.

VISA Cards

Get free company cards for your co-founders or employees.

Direct Debits

Collect one-off or recurring payments by SEPA Direct Debit.

Accounting integration

Connect your business account with DATEV and other accounting tools.

Mobile App

Manage your business account from wherever you are – on your smartphone with the Penta app.

Loans

Simply apply for a loan with favourable terms through your Penta account.

Penta Online Geschäftskonto eröffnen

Made for your business

Business account advantages

Penta Online Geschäftskonto eröffnen

With Penta, you get a full-fledged digital business account that features a German IBAN and an intuitive user interface – on the app or in your browser.

 

With your Penta business account and you can:

  • add additional users
  • control spending limits for employees and your tax adviser’s access to your figures
  • make collective transfers
  • assign receipts to your payments
  • get the best customer support in English and German

A no-stress process

Open your business account online

Lastschriftverfahren Penta wie es funktioniert

How it works

Lastschriftverfahren Penta wie es funktioniert
  1. Open a business account
    Simply enter in data about your business and get started.
  2. Account verification
    Your identity and business are verified with the help of IDnow VideoIdent.
  3. Done!
    Time is more than money, and you’ll save it when banking online with your new Penta business account.

Compare account types and apply for a business account

Advanced

Best suited for young companies that are just starting operations and do not have more than a couple of standard payments per month.

9 €
/ mo + VAT
Free trial, cancel any time
Penta Banking
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • 2 Penta account users ? Get your Accountant or Tax Advisor an additional account login to easily do your accounting. Adding additional users above your plan allowance automatically results into an upgrade to our Premium plan.
  • 2 Penta business debit cards ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Adding additional users above your plan allowance automatically results into an upgrade to our Premium plan.
  • 1 Sub account ? Open 1 additional sub account as part of your Plan.
  • Cash withdrawals ? Advanced includes 2 monthly cash withdrawals. Each additional cash withdrawal is subject to a small fee of 2.50 €.
  • 100 outgoing SEPA-Transfers/mo ? 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.
  • Direct Debit payments  ? Let third parties charge your account via SEPA Direct Debit (SDD). Such SDD payments are free and unlimited. Both schemes – SDD Core and SDD B2B – are supported.
  • International payments – 1%  ? 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 Advanced Plan, 0.5% for Premium Plan).
  • Batch payments  ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • Unlimited transactions history
  • Loans  ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Google Pay
PENTA ACCOUNTING & EXPENSES
  • Role and user management
  • Custom notifications
  • Receipt management  ? Easily upload, export and attach a receipt to a transaction.
  • Custom transactions categories (single)
  • Add notes to transactions
  • Accounting integration  ? Sync your transactions automatically with your favorite accounting tool, for instance, sevDesk, CANDIS, BuchhaltungsButler, FastBill, Papierkram or Billomat, so that your accountant can track your expenses and earnings.
  • CSV Export
  • DATEV integration (Transactions)   ? Sync your transactions with DATEV Unternehmen online, so that your tax accountant can book your expenses and earnings right away.

Premium

Premium is the plan for operating digital and offline businesses with several employees and more complicated payments or book-keeping needs.

19 €
/ mo + VAT
Free trial, cancel any time
Penta Banking
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • 5 Penta account 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 Penta business debit 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 3 € per card.
  • 4 Sub accounts ? Open up to 4 additional sub accounts as part of your Plan.
  • Cash withdrawals ? Premium includes 3 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of 2.50 €.
  • 300 outgoing SEPA-Transfers/mo ? 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.
  • Direct Debit payments & 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 supported via the SDD Core scheme. 0.30 € are charged for each collected Direct Debit. Failed or returned payment collections are charged 3 € each.
  • International payments – 0.5%  ? 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 Advanced Plan, 0.5% for Premium Plan).
  • Batch payments  ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • User preparing payments  ? One user can prepare payments and another user can verify and send the payment with the click of a button.
  • Unlimited transactions history
  • Loans  ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Point-of-sale banking  ? Penta POS: Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, 49€ (instead of 59€) one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Google Pay
  • Chat Support  ? From now on you can ask your questions about our services and features in our chat directly from your account.
  • Coming Soon Virtual Cards
PENTA ACCOUNTING & EXPENSES
  • Role and user management
  • Custom notifications
  • Receipt management  ? Easily upload, export and attach a receipt to a transaction.
  • Custom transactions categories (single)
  • Add notes to transactions
  • Accounting integration  ? Sync your transactions automatically with your favorite accounting tool, for instance, sevDesk, CANDIS, BuchhaltungsButler, FastBill, Papierkram or Billomat, so that your accountant can track your expenses and earnings.
  • CSV Export
  • DATEV integration (Transactions + Receipts)  ? Sync your transactions and uploaded receipts with DATEV Unternehmen online, so that your tax accountant can book your expenses and earnings right away.
  • COMING SOON Custom transactions categories (multiple)
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to special curated deals for SMEs – starting with AWS credits for your development up to special conditions for DriveNow.
  • Dedicated Key Account Manager
  • COMING SOON Cashflow Forecasts

Ultimate

Ultimate is our recommendation for bigger companies with more than 60 employees that need a tailored solution. All features are bespoke based on the company’s needs.

Pricing:
PENTA BANKING
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • Penta account users ? Get additional banking logins for your co-founder(s), accountant(s) or employee(s). Every additional user above your defined plan allowance is charged with 2 € per month.
  • Penta business debit cards ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Every additional card above your defined plan allowance is charged with 3 € per card.
  • 4 Sub accounts ? Open up to 4 additional sub accounts as part of your Plan.
  • Cash withdrawals ? Each cash withdrawal above your defined plan allowance is subject to a small fee of 2.50 €.
  • Outgoing SEPA-Transfers/mo ? Includes standing orders and scheduled / recurring transfers in the SEPA-zone. Each additional outgoing transfer above your defined plan costs 0.20 €. Incoming transfers and EUR card transactions are free and unlimited.
  • Direct Debit payments & 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 supported via the SDD Core scheme. 0.30 € are charged for each collected Direct Debit. Failed or returned payment collections are charged 3 € each.
  • International payments  ? 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 small markup on the traded amount for non-EUR currencies.
  • Batch payments  ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • User preparing payments  ? One user can prepare payments and another user can verify and send the payment with the click of a button.
  • Unlimited transactions history
  • Loans  ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Point-of-sale banking  ? Penta POS: Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, 49€ (instead of 59€) one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Google Pay
  • Chat Support  ? From now on you can ask your questions about our services and features in our chat directly from your account.
  • COMING SOON Virtual Cards
PENTA ACCOUNTING & EXPENSES
  • Role and user management
  • Custom notifications
  • Receipt management  ? Easily upload, export and attach a receipt to a transaction.
  • Custom transactions categories (single)
  • Add notes to transactions
  • Accounting integration  ? Sync your transactions automatically with your favorite accounting tool, for instance, sevDesk, CANDIS, BuchhaltungsButler, FastBill, Papierkram or Billomat, so that your accountant can track your expenses and earnings.
  • CSV Export
  • DATEV integration (Transactions + Receipts)  ? Sync your transactions and uploaded receipts with DATEV Unternehmen online, so that your tax accountant can book your expenses and earnings right away.
  • COMING SOON Custom transactions categories (multiple)
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to special curated deals for SMEs – starting with AWS credits for your development up to special conditions for DriveNow.
  • Dedicated Key Account Manager
  • COMING SOON Cashflow Forecasts
  • COMING SOON Monthly legal advice
  • COMING SOON API access
  • COMING SOON Exclusive Penta Founders & Business Club
Penta Bankenvergleich bestes Geschäftskonto

Best business bank accounts comparison

How Penta’s business account compares

Penta Bankenvergleich bestes Geschäftskonto

Whether you’re self-employed, a start-up or an SME – our business account comparison gives you the lowdown on different accounts, their features and their pricing.

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.”

Frequently asked questions

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 of both is making and receiving payments.

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 price list, you will find a detailed overview of the included services for each account plan.

Every company registered in Germany. Currently, our corporate account is available for many legal forms such as UG, GmbH, AG, GbR, OHG, PartG, KG, e.K., eG, and Einzelunternehmer (sole proprietor). In addition, companies with the legal forms GmbH and UG in foundation can benefit from our offer.

If you want to open your business account for your GmbH online, or open a second 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.

We place high importance on fast and convenient solutions, so 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 benefit from your business bank account.

Penta offers you a modern and digital corporate account with a German IBAN and all the traditional banking services you need. Save time with automated accounting, VISA business cards and smart account features.

You can find more information in our online banking-comparison.

Join Penta business banking.

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