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 Qonto 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 Sole Proprietor (e.K./e.Kfm/e.Kfr), UG, gUG, UG & Co. KG, GmbH, gGmbh, GmbH & Co. KG, AG, AG & Co KG, AG & Co oHG, e.K, oHG, GmbH & Co oHG, KG, KGaA 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
Monthly account fee
From 9,00€
Monthly account fee
From 9,90€
From 0,00€ From 0,00€ From 9,00€ From 6,00€ 0,00€ From 14,90€ From 9,90€ From 7,50€ From 9,90€
Number of included cards
Advanced – 2 cards Premium – 5 cards, Ultimate – unlimited
Number of included cards
1 card
Starter – 1 card Grower – 3 cards Unlimited – unlimited 1 card Solo – 1 card Standard – 2 cards Premium – 5 cards 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 Mastercard EC-card Visa oder Mastercard Mastercard Mastercard Mastercard
Card payments in EUR
free
Card payments in EUR
free
free free free free 0% + booking fee free free free free
Card payments (Non-EUR)
2% of the transaction amount
Card payments (Non-EUR)
1% of the transaction amount, minimum 1,50€
2% of the transaction amount free 2% of the transaction amount 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
25,000€
Card limit per month
individual
40,000€ 20,000€ 60,000€ no limit 8,000€ 16,000€ individual individual individual
SEPA-Transfers in EUR included
Advanced – 100 transactions, then 0,20€/transaction Premium – 300 transactions, then 0,20€/transaction
SEPA-Transfers in EUR included
75 transactions, then 0,10€/transaction
500 transactions, then 0,25€/transaction free Solo – 20 transactions, then 0,50€/transaction Standard – 100 transactions, then 0,40€/transaction Premium – 500 transactions, then 0,25€/transaction 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
Advanced – 2 withdrawals/inclusive per month Premium – 3 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 1€/cash withdrawal 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 French, Italian, Spanish German German German German German German
Bookkeeping integrations
lexoffice, debitoor, Buchhaltungsbutler and many more
Bookkeeping integrations
lexoffice, debitoor
lexoffice lexoffice lexoffice lexoffice lexoffice lexoffice, debitoor
DATEV direct connection
coming soon
DATEV direct connection
Sub accounts with separate IBAN included
Sub accounts with separate IBAN included
Multiple users per account
Multiple users per account
Slack-Community for founders
Slack-Community for founders
Counseling for founding a company
Counseling for founding a company
SumUp Point-of-Sale terminal partnership
SumUp Point-of-Sale terminal partnership
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
Advanced – 2 cards Premium – 5 cards, Ultimate – unlimited
1 card
Type of card
Visa
Mastercard
Card payments in EUR
free
free
Card payments (Non-EUR)
2% of the transaction amount
1% of the transaction amount, minimum 1,50€
Card limit per month
25,000€
individual
SEPA-Transfers in EUR included
Advanced – 100 transactions, then 0,20€/transaction Premium – 300 transactions, then 0,20€/transaction
75 transactions, then 0,10€/transaction
Fee for ATM withdrawal
Advanced – 2 withdrawals/inclusive per month Premium – 3 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, debitoor, Buchhaltungsbutler and many more
lexoffice, debitoor
DATEV direct connection
coming soon
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

More than 20,000 companies 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.”

Better Banking with Penta. Open Your Business Account Now.