We are Penta:
Your Business Banking

At Penta, you can focus on your business, not your banking. Together with you, we simplify business banking and shape the digital future.

‍50,000+ Businesses

‍December 2017

Based in



Our Story

The Penta story started in 2017 with the idea of developing a business bank account that can be opened completely online within minutes and is ready to use after a few hours. The founders of Penta missed all that in banking at that time. This was a turning point when they decided to tackle the problem and build the best business banking solution.

Today, thousands of sole proprietors and SMEs work with Penta and use a wide variety of digital financial solutions on one business banking platform. The mission has remained the same: We make banking as easy as possible, so you can focus on what you love—your business.

In July 2022, Penta joined forces with Qonto, the leading European business finance solution.


Penta – Business banking for a digital future

We build a platform that combines the best financial services and your digital business account. So you can manage all financial matters of your business from one single platform—from easy banking to accounting.

  • Digital business bank account and sub-accounts
  • Expense management and international payments
  • Direct debits and batch payments
  • Customized user management and VISA cards
  • Integration of your accounting tool

Penta’s Management Team

Lukas Zörner
VP Germany Qonto

Lukas Zörner has helped build Neo-Bank Penta from the beginning. He has been Chief Product Officer since 2017. With his team, he is responsible for Pentaa’s products, data and design as well as research.

Before joining Penta, Lukas worked for the investment bank Morgan Stanley in London. He then founded his first own fintech company in London.

Lukas holds a bachelor’s degree in business administration from the University of Mannheim.

In 2020, the US business magazine Forbes awarded him with inclusion in the “Forbes 30 under 30” list in Europe.

Since October 2022 Lukas Zörner is VP Germany of Qonto. In his new role Lukas is responsible for Qonto’s German market. He is also a member of Qonto’s Global Executive Committee.

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