The Penta Visa card
– usable worldwide

Get a contactless Penta Visa debit card with any plan you choose. Get your Penta Visa card in a few minutes.

Visa Card Penta

Penta Visa Card benefits

Use your Visa card worldwide

Pay worldwide with your Visa card, make online payments or withdraw cash from ATMs.

Manage expenses

Keep track at all times with push notifications after each transaction.

Contactless payment

Pay in-store without contact using NFC technology or via Google Pay.

penta security online

Simple management

Penta Visa card: As flexible As You

penta security online

Manage your cards with only a few clicks on the Web App or on the road with the Penta mobile app.

Personal Visa Cards

Multiple Cards

The Penta account comes with extra Penta business debit cards for each additional user you add to your account. The Penta Premium account includes up to 5 cards and users.

Travel flexibility

Your money when you need it

Every Penta account comes with 2 domestic cash withdrawals each monthly. Penta Premium accounts also include unlimited free foreign currency withdrawals.

Visa Card online and offline payments

Higher Limits for Your Business Growth

With Penta Premium you can enjoy up to € 40,000 online limits per month and per card.

Keep the overview

Instant notifications

Manage the cashflow immediately and stay in the now. With an instant push-notification after every incoming and outgoing transaction, you stay always in the loop.

Highest security for online transactions

3-D Secure for extra protection

Spend with trust. Every online payment you make with your Penta Visa and Mastercard comes with 3DS protection—for an added layer of protection.

Choose your Penta account and get your Visa card

Advanced

Best suited for startups and young businesses that are just getting started and don’t have more than a few payments per month.

9€
/ month (plus VAT)
Test free of charge, cancel at any time
Penta Banking
  • German IBAN and Giroaccount
  • Mobile App (iOS & Android)
  • 2 Penta Account User ? Give your accountant or bookkeeper access to your Penta account for smooth billing and accounting. Adding additional users above the plan quota will result in an automatic upgrade to the Premium plan.
  • 2 Penta Debitcards ? Get additional company cards for your co-founders or employees to easily manage expenses. Adding additional users above the plan quota will result in an automatic upgrade to the Premium plan.
  • Subaccounts ? Open 1 additional sub-account for more efficient financial management.
  • Cash withdrawals ? Advanced includes 2 free cash withdrawals per month, Premium includes 3 free cash withdrawals per month. A small fee of €2.50 is charged for each additional withdrawal.
  • 100 Outgoing SEPA transactions ? Including standing orders and forward transfers in the SEPA zone. Each additional transfer above the plan quota costs €0.20. Incoming SEPA transactions are unlimited and free of charge.
  • SEPA Direct Debits (Payments)   ? Payments by direct debit are possible with both the SEPA core direct debit scheme and the SEPA corporate direct debit scheme. These payments are free of charge and unlimited.
  • International payments – 1%  ? Make payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local providers cost €3.50 per transaction. Priority payments via the SWIFT network are charged with a fee between €15 and €30, depending on the payment type and destination country. There is also a small processing fee for currency exchange (foreign currencies) of 1% for Advanced customers and 0.5% for Premium customers.
  • Collective transfers  ? Prepare dozens of payments and confirm them with a single TAN. CSV and XML upload possible.
  • Complete transaction history
  • Financing   ? Apply quickly and easily for customized financing solutions for your company, such as loans, factoring or leasing.
  • Google Pay
Penta Accounting & Expense Management
  • Spending limits and user management
  • Custom notifications
  • Document Management   ? Simply upload your receipts and attach them to a transaction. Your accountant can export all the receipts in one go.
  • Custom transaction categories (simple)
  • Add notes to transactions
  • Accounting software integration   ? Connect your account directly to Lexoffice or Debitoor. Export your transactions to Datev, Felix1 and other tools with our MT940 export function.
  • CSV Export
  • DATEV integration (transactions)  ? Synchronize your transactions with DATEV Unternehmen online so that your tax advisor has direct access to your income and expenses.

Premium

The ideal plan for small and medium-sized businesses with multiple employees and higher payment and accounting requirements.

19€
/ month (plus VAT)
Test free of charge, cancel at any time
PENTA BANKING
  • German IBAN and Giroaccount
  • Mobile App (iOS & Android)
  • 5 Penta Account User ? Get additional banking logins for your co-founder(s), accountant(s) and/or employee(s). Each additional user above the plan quota will be charged with 2€ per user.
  • 5 Penta Debitcards ? Get additional company cards for your co-founders or employees to easily manage expenses. Each additional card above the plan quota is charged at €3 per card.
  • Subaccounts ? Open up to 4 additional sub-accounts for more efficient financial management.
  • Cash withdrawals ? Advanced includes 2 free cash withdrawals per month, Premium includes 3 free cash withdrawals per month. A small fee of €2.50 is charged for each additional withdrawal.
  • 300 Outgoing SEPA transactions ? Including standing orders and forward transfers in the SEPA zone. Each additional transfer above the plan quota costs €0.20. Incoming SEPA transactions are unlimited and free of charge.
  • SEPA Direct Debits (Payments)   ? Payments by direct debit are possible with both the SEPA core direct debit scheme and the SEPA corporate direct debit scheme. These payments are free of charge and unlimited. Direct debit collection is possible using the SEPA core direct debit procedure. There is a charge of € 0.30 per direct debit collected. Failed or returned direct debit collections will be charged with 3 € each.
  • International payments – 0.5%  ? Make payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local providers cost €3.50 per transaction. Priority payments via the SWIFT network are charged with a fee between €15 and €30, depending on the payment type and destination country. There is also a small processing fee for currency exchange (foreign currencies) of 1% for Advanced customers and 0.5% for Premium customers.
  • Collective transfers   ? Prepare dozens of payments and confirm them with a single TAN. CSV and XML upload possible.
  • Referral preparation   ? One user prepares the payments, another user then verifies and authorizes the payments with just one click.
  • Complete transaction history
  • Financing  ? Apply quickly and easily for customized financing solutions for your company, such as loans, factoring or leasing.
  • Point-of-Sale Banking  ? Penta POS together with SumUp: business account with mobile card reader for cashless payments directly at the point of sale. Accept credit and debit cards and contactless payments. One-time fee of € 49 (instead of € 59). 0.9% of turnover for EC/debit card payments, 1.9% of turnover for credit card payments.
  • Google Pay
  • Soon Virtual Cards
Penta Accounting & Expense Management
  • Spending limits and user management
  • Custom notifications
  • Document Management   ? Simply upload your receipts and attach them to a transaction. Your accountant can export all the receipts in one go.
  • Custom transaction categories (simple)
  • Add notes to transactions
  • Accounting software integration   ? Connect your account directly to Lexoffice or Debitoor. Export your transactions to Datev, Felix1 and other tools with our MT940 export function.
  • CSV Export
  • DATEV integration (transactions + vouchers)  ? Synchronize your transactions and uploaded receipts with DATEV Unternehmen online so that your tax advisor has direct access to your income and expenses.
  • Custom transaction categories (multiple)
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to curated offers specifically for SMBs – from AWS credits for software development to special rates on DriveNow.
  • Dedicated Key Account Manager
  • Soon Cash flow forecast

Ultimate

Ultimate is recommended for larger companies with more complex requirements and a larger number of transactions that need a customized solution. All features are tailored according to need.

Pricing:
PENTA BANKING
  • German IBAN and Giroaccount
  • Mobile App (iOS & Android)
  • Penta Account User ? Get additional banking logins for your co-founder(s), accountant(s) and/or employees. Each additional user above the defined plan quota will be charged with 2 € per user.
  • Penta debit cards ? Get additional company cards for your co-founders or employees to easily manage expenses. Each additional card above the defined plan quota is charged at €3 per card.
  • Subaccounts ? Open up to 4 additional sub-accounts for more efficient financial management.
  • Cash withdrawals ? A small fee of €2.50 is charged for each withdrawal above the defined plan quota.
  • Outgoing SEPA transactions ? Including standing orders and scheduled transfers in the SEPA zone. Each additional transfer above the defined plan quota costs €0.20. Incoming SEPA transactions are unlimited and free of charge.
  • SEPA direct debits (payments + collections)   ? Payments by direct debit are possible with both the SEPA core direct debit scheme and the SEPA corporate direct debit scheme. These payments are free of charge and unlimited. Direct debit collection is possible using the SEPA core direct debit procedure. There is a charge of € 0.30 per direct debit collected. Failed or returned direct debit collections will be charged with 3 € each.
  • International payments  ? Make payments in foreign currencies thanks to our partner Currencycloud. Non-priority payments via local providers cost €3.50 per transaction. Priority payments via the SWIFT network are charged with a fee between €15 and €30, depending on the payment type and destination country. There is also a small processing fee for currency exchange (foreign currencies).
  • Collective transfers   ? Prepare dozens of payments and confirm them with a single TAN. CSV and XML upload possible.
  • Referral preparation   ? One user prepares the payments, another user then verifies and authorizes the payments with just one click.
  • Complete transaction history
  • Financing   ? Apply quickly and easily for customized financing solutions for your company, such as loans, factoring or leasing.
  • Point-of-Sale Banking   ? Penta POS together with SumUp: business account with mobile card reader for cashless payments directly at the point of sale. Accept credit and debit cards and contactless payments. One-time fee of € 49 (instead of € 59). 0.9% of turnover for EC/debit card payments, 1.9% of turnover for credit card payments.
  • Google Pay
  • Soon Virtual Cards
Penta Accounting & Expense Management
  • Spending limits and user management
  • Custom notifications
  • Document Management   ? Simply upload your receipts and attach them to a transaction. Your accountant can export all the receipts in one go.
  • Custom transaction categories (simple)
  • Add notes to transactions
  • Accounting software integration   ? Connect your account directly to Lexoffice or Debitoor. Export your transactions to Datev, Felix1 and other tools with our MT940 export function.
  • CSV Export
  • DATEV (transactions + vouchers)   ? Synchronize your transactions and uploaded receipts with DATEV Unternehmen online so that your tax advisor has direct access to your income and expenses.
  • soon Virtual cards
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to curated offers specifically for SMBs – from AWS credits for software development to special rates on DriveNow.
  • Dedicated Key Account Manager
  • Soon Cash flow forecast
  • Soon Monthly legal advice
  • Soon API interface

All Penta payment cards are physical debit cards with contactless NFC technology. With the Visa card, you have direct access to the funds in your Penta account, for example, when withdrawing money from an ATM or paying in a store.

No, the Penta company card linked to your business account is a debit card. You can spend as much money as you have available on your account.

You can set an individual payment limit for each individual corporate card. The total limit for a single card is a maximum of 65,000€ per month – 40,000€ for online payments and 25,000€ for offline payments, including cash withdrawals up to 10,000€ per month.

The maximum spending limit per day is 20,000€ – 10,000€ for online payments and 10,000€ for offline payments, including cash withdrawals up to 3,000€ per day.

This limit applies to a single card, so with each additional card the total possible limit for your business increases.

 

After opening your corporate account with Penta, a Visa card will be automatically sent to your corporate address on file with us.
Each of our pricing models provides you with a certain number of free online banking users and corporate cards, which you can easily set up in your account.

  • With the Advanced Plan you can set up and use two online banking users and two Visa debit cards free of charge.
  • With the Premium Plan you can set up and use five online banking users and five Visa debit cards free of charge.
  • With the Premium Plan you can increase the limit for users and Visa cards further above five. Each additional user costs 2€/month and each additional card costs 3€/month.

The Visa debit card offers you basically the same payment functions as the credit card.

The main difference between a Visa debit card and a credit card is the billing method.

With a credit card, the amount is not debited directly from your account, but the bank grants you a credit line in advance for payments. Payments are settled at the end of the month.

With a Visa debit card, the charge is made immediately within a few days and can only be made from existing funds in your account.

A big advantage of the Visa card is that, unlike a credit card, you do not have to pay interest.

The Penta Visa card offers you the following features and benefits:

  • Make online payments
  • Withdraw cash from ATMs worldwide
  • Pay worldwide at terminals with VISA logo
  • Contactless payment with NFC in stores
  • Individual card limits for each user
  • Pay with Google Pay
  • Participation in the Visa Cashback Program

Open your bank account with the Penta Visa Card

Back to top