We compare business accounts – you decide
Even when buying just toothpaste you don’t leave anything to chance. Much more important is the choice of your business account for your company. Whether freelancer, SME or start-up – in our business account comparison we take a closer look at accounts, functions and prices.

Features |
Features
|
Holvi | N26 | Pleo | Fyrst | Volksbank Raiffeisenbanken | Deutsche Bank | Sparkasse | Commerzbank |
---|---|---|---|---|---|---|---|---|---|
Supported legal forms
UG, GmbH, AG, GbR, OHG, PartG, KG, e.K., GmbH in foundation and UG in foundation, Sole Proprietor, Freelancer
|
Supported legal forms
Every legal form from the commercial register
|
Sole Proprietorship, Freelancer, UG, GmbH, UG in formation, GmbH in formation | Freelancers | Every legal form from the commercial register except Sole Proprietors, Freelancers & Gbr | Freelancer, UG, GmbH, GbR, GmbH & Co. KG, OHG, KG | Every legal form from the commercial register | Sole trader, GbR, PartG (for members of the liberal professions), OHG, KG, GmbH, Unternehmergesellschaft (limited liability) as a special form of GmbH, GmbH & Co KG | Every legal form from the commercial register | Every legal form from the commercial register |
Open account within 48h
|
Open account within 48h
|
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Monthly account fee
From 9,00€
|
Monthly account fee
From 9,90€
|
From 0,00€ | From 0,00€ | From 6,00€ | 0,00€ | From 14,90€ | From 9,90€ | From 7,50€ | From 9,90€ |
Number of included cards
Starter – 2 cards
Comfort – 5 cards,
Enterprise – 15 cards
|
Number of included cards
1 card
|
Starter – 1 card Grower – 3 cards Unlimited – unlimited | 1 card | 1 Card/employee | 1 card | 4 cards | BasicKonto – 1 card ClassicKonto 1 card PremiumKonto – 2 cards | Additional service | 1 card |
Type of card
Visa
|
Type of card
Mastercard
|
Mastercard | Mastercard | Mastercard | EC-card | Visa oder Mastercard | Mastercard | Mastercard | Mastercard |
Card payments in EUR
free
|
Card payments in EUR
free
|
free | free | free | 0% + booking fee | free | free | free | free |
Card payments (Non-EUR)
From 1.5% to 0,3% depending on the plan selected
|
Card payments (Non-EUR)
1% of the transaction amount, minimum 1,50€
|
2% of the transaction amount | free | 2% of the transaction amount | 1,85% + booking fee | 1,8% of the transaction amount, minimum 1€ | 1% of the transaction amount, minimum 1,50€ | 1,9% of the transaction amount | 1% of the transaction amount, minimum 1,50€ |
Card limit per month
40,000€
|
Card limit per month
individual
|
40,000€ | 20,000€ | no limit | 8,000€ | 16,000€ | individual | individual | individual |
SEPA-Transfers in EUR included
Starter – 100 transactions, then 0,20€/transaction
Comfort – 300 transactions, then 0,20€/transaction
Enterprise – 600 transactions, then 0,20€/transaction
|
SEPA-Transfers in EUR included
75 transactions, then 0,10€/transaction
|
500 transactions, then 0,25€/transaction | free | not available | not available | 0-0,35€/transaction depending on account model | 0,35€/transaction | Amounts up to 10,000€: 2,50€ fee, above 0,25% fee maximum 100€ | 75 transactions, then 0,10€/transaction |
Fee for ATM withdrawal
Starter – 2 withdrawals/inclusive per month
Comfort – 3 withdrawals/inclusive per month
Enterprise – 9 withdrawals/inclusive per month
then 2,50€/withdrawal
|
Fee for ATM withdrawal
Klassik – 1€/withdrawal
Premium & Premium Plus – 10 payouts/free per month, then 1€/payment
|
Starter – 2,5% fee/withdrawal Grower – 2% fee/withdrawal Unlimited – free | 5 cash withdrawals/free per month in Germany 1,7% fee/payment in foreign currency | Free in Germany | Free of charge at third-party banks participating in Cash group, otherwise 1 % fee (at least € 5.99)/payment | 3% fee/payment, minimum 7,50€ | 2,50€/withdrawal at Deutsche Bank ATMs | 1,50€/withdrawal at Sparkasse ATM | Klassik – 1€/withdrawal Premium & Premium Plus – 10 payouts/free per month, then 1€/payment |
IBAN
German
|
IBAN
German
|
Finnish, German | German | German | German | German | German | German | German |
Bookkeeping integrations
lexoffice, Buchhaltungsbutler und weitere
|
Bookkeeping integrations
lexoffice
|
lexoffice | lexoffice | lexoffice | lexoffice | lexoffice | lexoffice | ||
DATEV direct connection
|
DATEV direct connection
|
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Sub accounts with separate IBAN included
|
Sub accounts with separate IBAN included
|
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Multiple users per account
|
Multiple users per account
|
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Slack-Community for founders
|
Slack-Community for founders
|
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Counseling for founding a company
|
Counseling for founding a company
|
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SumUp Point-of-Sale terminal partnership
|
SumUp Point-of-Sale terminal partnership
|
|
|
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Supported legal forms | |
UG, GmbH, AG, GbR, OHG, PartG, KG, e.K., GmbH in foundation and UG in foundation, Sole Proprietor, Freelancer
|
Every legal form from the commercial register |
Open account within 48h | |
|
|
Monthly account fee | |
From 9,00€
|
From 9,90€ |
Number of included cards | |
Starter – 2 cards
Comfort – 5 cards,
Enterprise – 15 cards
|
1 card |
Type of card | |
Visa
|
Mastercard |
Card payments in EUR | |
free
|
free |
Card payments (Non-EUR) | |
From 1.5% to 0,3% depending on the plan selected
|
1% of the transaction amount, minimum 1,50€ |
Card limit per month | |
40,000€
|
individual |
SEPA-Transfers in EUR included | |
Starter – 100 transactions, then 0,20€/transaction
Comfort – 300 transactions, then 0,20€/transaction
Enterprise – 600 transactions, then 0,20€/transaction
|
75 transactions, then 0,10€/transaction |
Fee for ATM withdrawal | |
Starter – 2 withdrawals/inclusive per month
Comfort – 3 withdrawals/inclusive per month
Enterprise – 9 withdrawals/inclusive per month
then 2,50€/withdrawal
|
Klassik – 1€/withdrawal Premium & Premium Plus – 10 payouts/free per month, then 1€/payment |
IBAN | |
German
|
German |
Bookkeeping integrations | |
lexoffice, Buchhaltungsbutler und weitere
|
lexoffice |
DATEV direct connection | |
|
|
Sub accounts with separate IBAN included | |
|
|
Multiple users per account | |
|
|
Slack-Community for founders | |
|
|
Counseling for founding a company | |
|
|
SumUp Point-of-Sale terminal partnership | |
|


DEMANDS TO INNOVATIVE BANKING
Do you have everything you need for your business banking?
- Business account for your legal form with modern online banking
- Multiple users and individual team cards
- Payment options inland and abroad
- Clear expense management
- Connection to your accounting tools


BANKING CAN ALSO BE SMOOTH
What benefits should your new business account offer?
- Fast account opening through online identification
- Time saving in banking and accounting tasks
- Cost savings through fair and transparent prices
- Overview of all transactions and and distribution of tasks within the team
- Fast customer service and lots of support


THE BUSINESS BANKING PLATFORM FOR YOUR COMPANY
Why Penta is the best choice for your business
- Open a Penta account in 15 minutes and use it after 48h
- Main and sub accounts with separate German IBANs
- VISA debit cards for you and your team
- SEPA payment options and expense management
- Connection to several accounting tools
- Loans and point-of-sale banking