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The perfect business account for your company

Super-fast customer service, business debit cards for your team and 100% security. Apply for your business bank account within a few minutes.

30k+ German Businesses 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.”

YOUR DIGITAL BUSINESS ACCOUNT FOR YOUR SUCCESS

Your advantages with Penta

  • Modern business banking with proven security and German IBAN
  • Individual Business Debit Cards for you and your team
  • Easy connectivity with your accounting tools
  • Penta mobile app on iOS and Android for banking wherever you are

Choose Your Pricing Plan

Start by selecting the pricing plan that fits your needs. For each plan you choose, you will also be able to add more features at an extra cost.

Starter

With the starter package, you are best equipped to conquer your daily business banking as it covers all basic needs. Ideal for startups or smaller businesses.

9 €
/month (+ VAT)
One month free. Cancel anytime.
Penta Banking
  • 2 Users

  • 2 Cards

  • 100 Outgoing SCTs

  • 1 Subaccounts

  • 2 ATM Withdrawals

  • Lexoffice, Debitoor, DATEV Unternehmen online

  • 1% FX Mark-up

  • SDD Collections

  • Penta rewards

  • DATEV Belegbilderservice

  • Point-of-Sale Banking

  • Chat support

Most popular

Comfort

Enjoy a more extensive and comfortable offer, includes everything you need to help your business grow. Perfect for companies managing more employees with multiple transactions.

19 €
/month (+ VAT)
One month free. Cancel anytime.
Penta Banking
  • 5 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 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 €2 per card.
  • 300 Outgoing SCTs

      ? 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.
  • 4 Subaccounts

  • 3 ATM Withdrawals

      ? Starter includes 2 monthly cash withdrawals, Comfort includes 3 monthly cash withdrawals for free and Enterprise 9 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of €2.50.
  • Lexoffice, Debitoor, DATEV Unternehmen online

      ? Directly integrate your account with Lexoffice or Debitoor. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 0,5% FX Mark-up

      ? 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 Starter Plan, 0.5% for Comfor Plan and 0.3% for Enterprise Plan).
  • SDD 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.
  • Penta rewards

      ? Get access to special curated deals for SMEs.
  • DATEV Belegbilderservice

  • Point-of-Sale Banking

      ? Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, €29 one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Chat support

Enterprise

We grow with you! This pricing model is perfect for bigger companies who need multiple users, cards and subaccounts and who have a high transaction volume.

49 €
/month (+ VAT)
One month free. Cancel anytime.
Penta Banking
  • 15 Users

  • 15 Cards

  • 600 Outgoing SCTs

  • 6 Subaccounts

  • 9 ATM Withdrawals

  • Lexoffice, Debitoor, DATEV Unternehmen online

  • 0,3% FX Mark-up

  • SDD Collections

  • Penta rewards

  • DATEV Belegbilderservice

  • Point-of-Sale Banking

  • Chat support

FAST ACCOUNT OPENING

Only 3 steps to open your business bank account

  1. Account application

    Provide your company’s reference data and complete the 3-minute online video identification with IDnow. That’s all. Further information on required documents are in the FAQ section below.

  2. Account verification

    Certain information is required from our partner IDnow due to regulatory reasons in order to verify your identity online. For legal reasons, the account opening has to be performed by a legal representative of your company.

  3. Enjoy Penta’s advantages

    Your Penta account includes exceptional Premium support. Multiple Business Debit Cards enable you to easily manage your budget, and Penta’s innovative features simplify your accounting. Your Penta account is scaling as your company scales and can simply be adjusted to your needs.

receipt accounting bookkeeping gbr

AUTOMATED ACCOUNTING

Save valuable time on your bookkeeping

receipt accounting bookkeeping gbr
  • Easily connect Penta with your accounting software
  • Automated synchronization of all transactions with Lexoffice, Debitoor, accounting butler, sevDesk and many other tools
  • Direct transmission to your accountant
  • Simplified tax declaration for your company – direct integration with DATEV Unternehmen online

MANAGE COMPANY FINANCES TOGETHER

Everyone can pay. You stay in control.

  • Business company cards for every employee
  • Individual spending limits so your expenses stick to the budget
  • Assign financial activities to team members or external partners
  • Maintain an overview of all spending in real-time

GUARANTEED SECURITY

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

FAIR PRICING

Real-time updates on costs & spending

  • Adjust your Penta account as your company grows
  • 100% transparent and comprehensible costs
  • No permanent commitment – account can be adjusted anytime
sub-accounts penta

Keep your Business organized

Sub-Accounts for more efficient banking

sub-accounts penta

 

  • Full-fledged bank account with own German IBAN
  • SEPA payment capabilities including Direct Debits from these accounts
  • Save and receive funds, or move money between accounts
  • Individual bank statements for each sub-account

 

FAQ

A business bank account is a bank account specifically dedicated to companies. It is comparable to a bank account for private individuals, but usually offers more extensive functions. Nevertheless, the basis of both is making and receiving payments.

A Penta business account includes services tailored to companies such as account software integrations, multiple Business Visa Cards and free monthly transactions, for example. Penta supports your company on the road to success.

We currently offer two options: The “Starter” plan for €9 per month, the “Comfort” plan for €19 per month and the “Enterprise” plan for €49 per month (all excl. VAT). In our price list, you will find a detailed overview of the included services for each account plan.

Every company registered in Germany. Currently, our corporate account is available for many legal forms such as UG, GmbH, AG, GbR, OHG, PartG, KG, e.K., eG, and Einzelunternehmer (sole proprietor). In addition, companies with the legal forms GmbH and UG in foundation can benefit from our offer.

No. Only companies which are registered in the commercial registry are obliged to keep a business bank account. However, even if your company doesn’t have an entry in the commercial register, a separate business account is highly recommended for every legal form. This way, private and commercial payments can be kept apart and you can maintain a better overview of your company’s finances.

We place high importance on fast and convenient solutions, so the opening of a business bank account with Penta only takes you around 15 minutes. Afterwards, we verify your information and within just a few days, you can benefit from your business bank account.

We are required by law to verify your personal identity. For this purpose we use the video identification of our partner IDnow. After you have provided all the information about you and your company, we will forward you to IDnow in the final step. During a video chat you will be asked to hold your ID document up to the camera of your smartphone or PC and confirm some information. The video identification process takes no longer than 3 minutes. You can learn more here.

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