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.

‍40,000+ 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.


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

Markus Pertlwieser
Chief Executive Officer

Markus is Penta’s CEO and a proven expert in digital business models and platform economy. He has 20 years of experience in developing corporate strategies and has been responsible for numerous product innovations. Prior to joining Penta, Markus worked in various management positions for Deutsche Bank AG, most recently as a member of the Executive Board of DB Privat- und Firmenkundenbank and as Chief Digital Officer. He started his career at McKinsey Company.

Lukas Zörner
Chief Product Officer

Lukas Zörner is one of the first team members at Penta and, as CPO, shapes the product offering and continuous expansion. Before starting at Penta, he founded Mespo, an AI-driven fintech. Prior to that, Lukas worked for several years in investment banking at Morgan Stanley. He studied in Mannheim and Moscow.

Markus Steiff
Chief Growth Officer

Markus has been working as an entrepreneur and senior manager in the traditional financial industry, Fintechs, Insurtechs and Regtechs. He worked for Deutsche Bank, founded two companies and was most recently CEO of YUNAR. As CGO, he now continues to drive growth at Penta.

Maximilian Riege
Chief Operating Officer

Maximilian Riege is COO at Penta. He is responsible for all operational and regulatory functions. He brings a wealth of experience in the banking and financial sectors. As Chief Representative and General Counsel, he helped build the data and identity platform Verimi. Prior to that, he was a partner at a law firm specializing in IT and regulatory law. He is admitted to the bar in Germany and New York.

Vasilija Grubic
Head of Customer Relations

Vasilija is Head of Customer Relations at Penta and one of the first team members. She studied at the University of Duisburg-Essen and started her career at the German-Serbian Chamber of Commerce. Shortly after starting at Penta, Vasilija took responsibility for the CRM team and customer management.

Chiedza Muguti
Head of Product

Chiedza graduated from the University of Brighton and has worked in Product for more than 10 years. In several companies in the financial industry she led digital product development and drove agile projects. As Head of Product at Penta, Chiedza leads Product Management and Product Marketing.

Dan Hardaker
Head of People & Culture

Having studied at the University of Portsmouth, Dan has long experience as an HR expert in organizations such as O2, Telefónica, Vodafone, HSBC, Heineken and Babylon Health. He is a Fellow of the CIPD, qualified in Organisation Design & Development. As Head of People and Culture, he leads Human Resources at Penta, attracting new talent to the team. One of the missions Dan and the management team are pursuing is the creation of a diverse and inclusive team culture at Penta.

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