Don’t waste time reimbursements expense reports chasing receipts

Get a corporate card for every employee, upload receipts on the go and simplify expense management. Custom card limits, real-time notifications, and more.

Spending 7h/week on admin tasks? Start saving time with Penta.

No more passing one corporate card around or handing out cash – get a Penta card for every key employee to make spending more secure and efficient.

Let everyone upload the receipts to Penta right after they made a transaction. No more chasing paper receipts.

Easily control your team’s spending with custom spending limits for each corporate card and real-time notifications.

Delegate everyday banking tasks to your assistant or a bookkeeper by giving them customized account access.

Krzysztof Piernicki VP Finance @ AirHelp

Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.

Pricing plans for everyone

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.
  • Cash withdrawals ? Advanced includes 2 monthly cash withdrawals, Premium includes 3 monthly cash withdrawals for free. 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.
  • 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.
  • Google Pay

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.
  • Cash withdrawals ? Advanced includes 2 monthly 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 only 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
  • Coming Soon Virtual Cards

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 companies needs.

Pricing: Ultimate
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.
  • 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 only 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
  • Coming Soon Virtual Cards

FAQ

Every plan includes a certain number of users and corporate cards:

  • Basic – 1 card/user
  • Advanced – 2 cards/users
  • Premium – 5 cards/users

On the Premium plan you can also order additional cards for €3/mo and add additional users for €2/mo.

You can set the custom spending limit for each corporate card in your company. The maximum spending limit per Penta’s corporate card is 50.000€ per month – 25.000€ in online spent and 25.000€ in offline spent, including cash withdrawals. Each additional card will have an additional spending limit, therefore the overall company limit increases.

You can download your transactions, for example as a MT940 file with the attached receipts and send these to your tax accountant. But with Penta you can also give your accountant a dedicated access to your account.

Get your Penta account today!

Transparent company spending, easier accounting

Get a corporate card for every employee and let them upload the receipts to Penta right after they made a transaction.

Create custom categories and categorize all payments with a click of a button right inside the Penta account

Avoid overspending using custom spending limits for every card, real-time monitoring and notifications.

Save 11 hours per week on accounting: all your transactions automatically sync with your accounting software

Bepro Europe GmbH

We save 11 hours a week on bookkeeping.

Pricing plans for everyone

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.
  • Cash withdrawals ? Advanced includes 2 monthly cash withdrawals, Premium includes 3 monthly cash withdrawals for free. 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.
  • 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.
  • Google Pay

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.
  • Cash withdrawals ? Advanced includes 2 monthly 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 only 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
  • Coming Soon Virtual Cards

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 companies needs.

Pricing: Ultimate
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.
  • 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 only 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
  • Coming Soon Virtual Cards

FAQ

You can categorise categories to help you plan your finances. You can do this from the Categories tab in the Administration section.

Yes, you can filter by transactions, card users and transactions without receipts. You can also export all transactions as csv or MT940 file, including the receipts for each transaction.

You can set the custom spending limit for each company card. The maximum spending limit per Penta’s corporate card is €50.000 per month – €25.000 in online spent and €25.000 in offline spent, including cash withdrawals.

Yes! You can grant these permissions to all your legal representative users:

  • Administrator (User can access any current or future feature of the Penta account)
  • See account balance, transactions, download statements
  • Categorise transactions (Assign or change a category to a transaction)
  • Manage users (Add or remove users and manage their permissions)
  • Manage cards (Create and close corporate cards for other users)
  • Prepare payments (Prepare SEPA payments)
  • Send payments (Confirm SEPA payments)*
  • Manage business details and integrations (Change address, enter tax information, change Penta subscription, create custom categories and manage integrations and notifications.)

For non-legal representative users, you can enable the following permissions:

  • See account balance, transactions, download statements
  • Categorise transactions (Assign or change a category to a transaction)
  • Prepare payments (Prepare SEPA payments)
  • Send payments (Confirm SEPA payments)*

*Requires video identification via our partner IDnow.

You also have the option to add a user without any permissions, meaning they won’t be able to the total balance of the account or all transactions. This is helpful if you want to give an employee a corporate card. Without any permissions, they can only see their own card payments and card details.

You can set up notifications for the following activities:

  • Incoming Payments
  • Outgoing Payments
  • Failed / Returned Payments

You can also define the minimum threshold to only receive notifications about payments above a certain amount and choose which users should receive the notifications.

lexoffice and debitoor are currently available as direct accounting integrations. In addition, you can export MT940 files, which can be imported directly into Datev or other accounting software.

Get your Penta account today!

Spending 7h/week on admin tasks? Start saving time with Penta.

No more passing one corporate card around or handing out cash – get a Penta card for every key employee to make spending more secure and efficient.

Let everyone upload the receipts to Penta right after they made a transaction. No more chasing paper receipts.

Easily control your team’s spending with custom spending limits for each corporate card and real-time notifications.

Delegate everyday banking tasks to your assistant or a bookkeeper by giving them customized account access.

Krzysztof Piernicki VP Finance @ AirHelp

As a growing team, having more cards really streamlined our business. The team has much more flexibility and our accountants no longer need to lose time sending small transfers to pay expenses.

FAQ

Your corporate card is a Business Debit Card, which means that all transactions occur in real-time and are directly debited from your bank account.

After you make a payment, you can directly attach a receipt to the transaction via mobile or web app. You can then assign a custom category or tag to each transaction.

You can see your spending limit and all your transactions in real-time in the Penta app on mobile or desktop.

Get your Penta account today!