German IBAN

You will have your own personal German IBAN to send and receive payments all over Europe (SEPA Zone).


You’ll receive your debit MasterCard for online and offline payments to your address within a few days.

Transparente Gebühren

Du kannst Penta kostenlos eröffnen und kostenfrei nutzen. Unser Preismodell ist simpel. Zehn Transaktionen sind inklusive, jede weitere kostet nur 10 Cent.

Professional Support

Our support is professional, quick and friendly. We speak German and English.

Recurring Payments

Spend less time sending money. Automatically set payments on a recurring basis.


Your funds are held on an escrow account that we cannot access.


Real-time banking. Get instant balance updates when you send and receive money.

CSV Export

Categorize your transactions and export a CSV file to send to your accountant.

Multiple logins & Mastercards

Now all legal representatives of your business can access your bank account with the permissions you assign. Delegate small banking tasks while keeping full control of the account. No more passing the card around - get business Mastercards for your business partners.

Penta makes spending and expense management really easy

Account Access

Let each legal representative of the company access the account. Soon you will be able to give access to your accountant and your employees.

Real-Time Overview

See all company spending in one place as it happens in real-time. Categorize all the transactions easily.

Multiple Mastercards

Get a business Mastercard for each legal representative of the company and soon - for every employee.

Easily assign rights and permissions

Today each legal representatives of the business can get their personal login to Penta bank account. You can easily select the necessary roles & permissions for every user. Soon you will also be able to grant access to your employees or your accountant.

penta foundation bank account , startup bank account, gmbh bank account, online business bank account
coming soon

Company Cards for the Team

Order more Penta cards straight from your dashboard

Set individual spending limits for each user

Easy to freeze the cards from your account

Currently, the additional cards can only be issued for the legal representatives of the company.

All Penta cards can be used for online/offline payments and cash withdrawals.


What permissions are available for each user?

Penta offers 7 different permission levels, including: 
Prepare payments - a user can only prepare online transfers but not send.
- Send payments -
a user can send online transfers by verifying with a code sent to their mobile number.

Why can I only add my legal representatives?

Your Legal Representatives have already succesfully completed the online identification during the onboarding process and therefore can be authorised to access any feature on the Penta account.

Soon you will be able to also add non-legal representatives.

How can I request an additional card?

From the Cards section of the app you can see all users who are eligible for a card.

Select "Request Card" and the cardholder will receive an email reminder to login and set their PIN. The card will be delivered to your registered business address within 14 days.

What happens when I request a second card for my Penta account?

We will send an email to the cardholder with instructions to log in and set their PIN. The card will be delivered to your registered business address.