Expand your Business with Sub-Accounts

Create Sub-Accounts with a few clicks to put aside tax reserves, manage teams or save for investments. Take advantage of a fully-functional bank account.

See what our customers are saying – from solopreneurs to CEOs

“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.”


Each Sub-Account has all the functionality you love and know

  • Open within seconds without application process
  • Your own additional German IBAN
  • SEPA payment capabilities including Direct Debit collections from your account
  • Payment file upload (batch payments)
  • Bank statements
  • Receive and move funds between internal and external accounts
  • Available with Starter and Comfort Plans
sub accounts icons
sub accounts icons


Put aside tax reserves, manage teams or make savings easy

  • Set aside funds for tax reserves
  • Split the finances of your teams and departments
  • Save every month for investments
  • Separate your income streams
sub-accounts permissions
sub-accounts permissions


Full control over Sub-Accounts

  • Control permissions for each of your Sub-Account
  • Allow your employees or accountant to view some or all Sub-Accounts
  • Check permissions for each account and user at a glance
mann am laptop im büro kostenloses geschäftskonto
mann am laptop im büro kostenloses geschäftskonto


Your money is safe with Penta

  • Your business bank account is kept with solarisBank and supervised by the German banking authority BaFin
  • Deposits are protected up to €100.000
  • Data protection under GDPR
  • Cyber security including SSL encryption of sensitive data

Open a Business Account online in just a few Steps


Open Account

Enter data about your company and complete a 3 minute online video identification.


Account confirmation

Confirm your identity using VideoIdent by IDnow and verify your business.


You’re up and running!

Your account is ready to use, and we’ll send your card to you in a couple of days.

Penta Banking

Discover modern business banking for your company.

Free trial • No commitment


Sub-Accounts are just additional accounts on top of your already existing main account with Penta. Each of these accounts comes with an individual IBAN, allowing you to receive and send payments from Sub-Accounts.
With each Sub-Account, you can view transactions, and perform single or multiple payments. You can also download the bank statements or export your transactions, just like you know it from your Main Account.

Sub-accounts offer many advantages for your business. Sub-accounts are a simple and straightforward way to separate funds for different projects, expenses, or different business locations. Sub-accounts also allow you to set aside reserves for future tax liabilities and scale the right areas of your business by opening a sub-account for each of your company’s products or services.

Sub-accounts also provide a clear view of the profitability of your business units, the different markets your company operates in, or the future investments you plan to make.

Sub-accounts can be created with a couple of clicks via the Penta WebApp in the Accounts menu, as long as you are an Admin on your already-existing account.

While you create your Sub-Account, we ask you to verify that the business details we hold about your business are still up-to-date. You will also have to accept the Terms & Conditions of our banking partner, which are the same Terms & Conditions that you accepted during the creation of your very first Penta account.

Sub-accounts are available in our Starter, Comfort, and Enterprise plans.

If you use the Starter plan, you can create one additional sub-account. In the Comfort plan, you have up to four sub-accounts included. You also have the option to flexibly add individual sub-accounts for €4 / month.

Administrators have access to all sub-accounts. In addition, you can grant your team individual access to the sub-accounts via the user permissions in the menu item “Users and cards”. You can decide whether they can only view the accounts or also prepare and send payments.

Once you have created your sub-account, you can see it on the home screen in the web app, in the list of existing recipients in the “payments” menu, and in the mobile app.

Start by selecting the account you want to transfer money from. You can manually click on the sub-account or drag and drop to do an internal transfers. In the second step, enter an amount and confirm the internal transfer. No TAN is required for internal transfers between your accounts.

Better Banking with Penta. Open Your Business Account Now.

Back to top