Missing any functionality? Let us know what you'd like to see built next.

learn more
pricing

Transparent Pricing

Choose the Optimal Plan

Basic
€ 0
per month (excl. VAT)
open for free
Change/cancel plan anytime
50 outgoing transfers/mo ?Includes outgoing domestic and international transfers in the SEPA zone, each additional transfer costs €0.20. The incoming transfers and card transactions are unlimited and free.
1 Penta User
1 Business Mastercard
Premium Support ?Enjoy Premium Support in German and English - have your own relationship manager, request new features, and more. Learn more.
German IBAN and current account
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
0 Free ATM withdrawals /mo
Free card payments abroad
Premium
€ 19
per month (excl. VAT)
Choose this plan
Change/cancel plan anytime
300 outgoing transfers/mo ?Includes outgoing domestic and international transfers in the SEPA zone, each additional transfer costs €0.20. The incoming transfers and card transactions are unlimited and free.
5 Penta Users ?Get additional banking logins for your co-founders, accountant, or employees.
5 Business Mastercards ?Get additional Mastercards for your co-founder or employees to do easy expense management. Set a custom spending limit for each card (up to €25.000/mo).
Premium Support ?Enjoy Premium Support in German and English - have your own relationship manager, request new features, and more. Learn more.
International payments - 0.5% ?The currency conversion fee for non-Euro payments to countries outside of the SEPA zone. Learn more.
Accounting integrations ?Directly integrate your account with Lexoffice or Debitoor. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality. Learn more.
German IBAN and current account
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
5 Free ATM withdrawals /mo
Free card payments abroad
Cards for employees
Special co-founder access
Accountant access
Role and user management
Batch payments
Coming Soon
API access
Basic
€ 0
per month (excl. VAT)
open for free
Change/cancel plan anytime
50 outgoing transfers/mo ?Includes outgoing domestic and international transfers in the SEPA zone, each additional transfer costs €0.20. The incoming transfers and card transactions are unlimited and free.
1 Penta User
1 Business Mastercard
Premium Support ?Enjoy Premium Support in German and English - have your own relationship manager, request new features, and more. Learn more.
German IBAN and current account
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
0 Free ATM withdrawals /mo
Free card payments abroad
Premium
For the next 6 months
€ 9
per month (excl. VAT)
choose this plan
Change/cancel plan anytime
300 outgoing transfers/mo ?Includes outgoing domestic and international transfers in the SEPA zone, each additional transfer costs €0.20. The incoming transfers and card transactions are unlimited and free.
5 Penta Users ?Get additional banking logins for your co-founders, accountant, or employees.
5 Business Mastercards ?Get additional Mastercards for your co-founder or employees to do easy expense management. Set a custom spending limit for each card (up to €25.000/mo).
Premium Support ?Enjoy Premium Support in German and English - have your own relationship manager, request new features, and more. Learn more.
International payments - 0.5% ?The currency conversion fee for non-Euro payments to countries outside of the SEPA zone. Learn more.
Accounting integrations ?Directly integrate your account with Lexoffice or Debitoor. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality. Learn more.
German IBAN and current account
Unlimited transactions history
Mobile App (iOS & Android)
CSV Export
Custom transactions categories
Recurring transfers
Custom notifications
5 Free ATM withdrawals /mo
Free card payments abroad
Cards for employees
Special co-founder access
Accountant access
Role and user management
Batch payments
Coming Soon
API access

Trusted by over 10,000 German businesses

5.0
blue star blue star blue star blue star blue star
Penta free business bank account, open online business bank account, startup business account, business online banking, iban germany, german bank account and penta foundation bank account, startup bank account, gmbh bank account, free business bank account trust pilot rating
4.9
blue starblue star blue star blue star blue star
Penta free business bank account, open online business bank account, startup business account, business online banking, iban germany, german bank account and penta foundation bank account, startup bank account, gmbh bank account, free business bank account google rating
4.9
blue star blue star blue star blue star blue star
Penta free business bank account, open online business bank account, startup business account, business online banking, iban germany, german bank account and penta foundation bank account, startup bank account, gmbh bank account, free business bank account banking check
“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.”
Penta free business bank account, open online business bank account, startup business account, business online banking, iban germany, german bank account and penta foundation bank account, startup bank account, gmbh bank account, free business bank account air help
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

Additional Services
Additional Penta user
€2 / mo
Additional business Mastercard for Penta Expense Management
€3 / mo
Replacement of the business Mastercard card
€10
Dunning fee per reminder
€5
Unjustified chargeback handling fee
€100

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.

Are SEPA direct debits available?

Currently, SEPA direct debits are unavailable with Penta, but they will be available within the next few months.

Can I deposit cash to Penta account?

Currently, you can only deposit money to Penta via a bank transfer. We are working on making cash deposits available.

Open your Penta account today!

Open Account Now