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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 Online banking 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
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 Online banking 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).
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.
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
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 Online banking 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
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 Online banking 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).
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.
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
Cards for employees
Special co-founder access
Accountant access
Role and user management
Batch payments
Coming Soon
API access

Trusted by over 7500 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

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.

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