pricing

Transparent Pricing

Basic
€ 0
per month (excl. VAT)
open for free
Commitment-free
20 free outgoing SEPA transfers
Per month, each additional 0.20 EUR
1 Online banking user
1 Debit Mastercard
Unlimited card transactions
No payment fees in euros
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
Premium
€ 19
per month (excl. VAT)
Choose this plan
Commitment-free
100 free outgoing SEPA transfers
Per month, each additional 0.20 EUR
5 Online banking users
5 Debit Mastercards
Unlimited card transactions
No payment fees in euros
International payments - 0,5%
Conversion fee for non-EUR payments
Lexoffice integration
NEW
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
Cards for employees
Special co-founder access
Accountant access
Role and user management
Coming Soon
Loans
Direct Debit
API access
Basic
€ 0
per month (excl. VAT)
open for free
Commitment-free
20 free outgoing SEPA transfers
Per month, each additional 0.20 EUR
1 Online banking user
1 Debit Mastercard
Unlimited card transactions
No payment fees in euros
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
Premium
For the next 6 months
€ 9
per month (excl. VAT)
choose this plan
Commitment-free
100 free outgoing SEPA transfers
Per month, each additional 0.20 EUR
5 Online banking users
5 Debit Mastercards
Unlimited card transactions
No payment fees in euros
International payments - 0,5%
Conversion fee for non-EUR payments
Lexoffice integration
NEW
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
Cards for employees
Special co-founder access
Accountant access
Role and user management
Coming Soon
Loans
Direct Debit
API access

Trusted by over
6000 German businesses

5.0
4.9
4.8
“Opening up a business bank account was never easier and smoother. I wish I had Penta for my previous businesses!”
Christos Zioutas
CTO @ DataCircle UG
“Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.”
Krzysztof Piernicki
VP Finance @ AirHelp
“Penta has the greatest customer support I have ever experienced with any service. It's just like out of a movie.”
Robert Wann
MD @ Nok Brands

Additional Services

Transactions
Direct debits
Free
Incoming SEPA transactions
Free
Each additional outgoing SEPA transaction above your plan’s limit
Card payments and direct debits are free of charge.
0.20 EUR
Outgoing international transfers (SWIFT)
6.00 EUR
Outgoing international transfers (local)
0.50 EUR
Additional Services
Dunning fee per reminder
For example: in case of insufficient funds for monthly plan fees.
5.00 EUR
Account blocking
Closure of accounts for creditor protection.
10.00 EUR
Additional users without a Mastercard
The users will have their own login with the access rights you define. Adding users above your plan’s limit is only possible on the Premium plan.
2.00 EUR
Unjustified reclamation of a transaction (Chargeback)
Order to recall a direct debit which has no legal basis.
100.00 EUR
Card Services
Issuance price of the 1st business Debit Mastercard
Free
Additional Mastercards
The users will have their own login with the access rights you define. Adding users above your plan’s limit is only possible on the Premium plan.
3.00 EUR
Card payments in domestic currencies (EUR) and direct debits
Free
Card payments in foreign currencies
Within and outside of the EU.
Basic - 2.0% of transaction value
Advanced - 1.5% of transaction value
Premium - 1.0% of transaction value
Cash withdrawals
For example in case of insufficient funds for monthly plans fee.
Basic - 0 incl. (each additional - 1.50 EUR)
Advanced - 2 incl. (each additional - 1.50 EUR)
Premium - 5 incl. (each additional - 1.50 EUR)
Ordering of a replacement card
In cases of self-inflicted loss or defect.
10.00 EUR

Full Services List

All prices are subject to the statutory value added tax (VAT).

FAQ

Can I open a bank account outside of Germany?

Yes. If you are physically located outside of Germany, but still have a German company, this is not a problem.

What type of business can get a Penta account?

Penta is only available for German businesses with the following legal forms:
UG, GmbH, GmbH/UG in Gründung, AG, GbR, OHG, PartG, KG, e.K., eG.

Are my savings safe?

Penta accounts are provided in cooperation with solarisBank AG, a German bank holding a full German banking license and regulated by BaFin. solarisBank provides a deposit guarantee of up to €100,000 - just like any other bank in Germany.

Open your Penta account today!

Open Account Now