SUMMER SALE: 3 months for free + 20 EUR Welcome Bonus
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Summer Sale

Choose your pricing plan below.
The promotion will be applied automatically.

*Offer ends August 31st midnight

Pricing plans for everyone

Advanced

Best suited for young companies that are just starting operations and do not have more than a couple of standard payments per month.

9 €
/ mo + VAT
Free trial, cancel any time
Penta Banking
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • 2 Penta account users ? Get your Accountant or Tax Advisor an additional account login to easily do your accounting. Adding additional users above your plan allowance automatically results into an upgrade to our Premium plan.
  • 2 Penta business debit cards ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Adding additional users above your plan allowance automatically results into an upgrade to our Premium plan.
  • Sub accounts ? Open 1 additional sub account as part of your Plan.
  • Cash withdrawals ? Advanced includes 2 monthly cash withdrawals, Premium includes 3 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of 2.50 €.
  • 100 outgoing SEPA-Transfers/mo ? 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.
  • Direct Debit payments ? Let third parties charge your account via SEPA Direct Debit (SDD). Such SDD payments are free and unlimited. Both schemes – SDD Core and SDD B2B – are supported.
  • International payments – 1% ? 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 Advanced Plan, 0.5% for Premium Plan).
  • Batch payments ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • User preparing payments ? One user can prepare payments and another user can verify and send the payment with the click of a button.
  • Unlimited transactions history
  • Loans ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Google Pay
Penta Accounting & Expenses
  • Role and user management
  • Custom notifications
  • Receipt management   ? Easily upload, export and attach a receipt to a transaction.
  • Custom transactions categories (single)
  • Add notes to transactions
  • Accounting integrations   ? Directly integrate your account with Lexoffice or Debitoor. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • CSV Export
  • DATEV (Export)   ? Download your transaction data in a “MT940” file so that your accountant can upload it into Datev.

Premium

Premium is the plan for operating digital and offline businesses with several employees and more complicated payments or book-keeping needs.

19 €
/ mo + VAT
Free trial, cancel any time
Penta Banking
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • 5 Penta account 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 Penta business debit 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 3 € per card.
  • Sub accounts ? Open up to 4 additional sub accounts as part of your Plan.
  • Cash withdrawals ? Advanced includes 2 monthly cash withdrawals, Premium includes 3 monthly cash withdrawals for free. Each additional cash withdrawal is subject to a small fee of 2.50 €.
  • 300 outgoing SEPA-Transfers/mo ? 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.
  • Direct Debit payments ? 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.
  • International payments – 0.5% ? 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 Advanced Plan, 0.5% for Premium Plan).
  • Batch payments ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • User preparing payments ? One user can prepare payments and another user can verify and send the payment with the click of a button.
  • Unlimited transactions history
  • Loans ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Point-of-sale banking ? Penta POS: Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, 49€ (instead of 59€) one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Google Pay
  • Coming Soon Virtual Cards
  • Coming Soon Direct Debit collections ? SDD collections are supported via the SDD Core scheme.
PENTA ACCOUNTING & EXPENSES
  • Role and user management
  • Custom notifications
  • Receipt management  ? One user can prepare payments and another user can verify and send the payment drafts with the click of a button.
  • Custom transactions categories (single)
  • Add notes to transactions
  • 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.
  • CSV Export
  • DATEV (Export)  ? Download your transaction data in a “MT940” file so that your accountant can upload it into Datev.
  • Coming Soon DATEV (receipt handling)
  • Coming Soon Custom transactions categories (multiple)
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to special curated deals for SMEs – starting with AWS credits for your development up to special conditions for DriveNow.
  • Dedicated Key Account Manager
  • Coming Soon Cashflow Forecasts

Ultimate

Ultimate is our recommendation for bigger companies with more than 60 employees that need a tailored solution. All features are bespoke based on the companies needs.

Pricing: Ultimate
PENTA BANKING
  • German IBAN and current account
  • Mobile App (iOS & Android)
  • Penta account users ? Get additional banking logins for your co-founder(s), accountant(s) or employee(s). Every additional user above your defined plan allowance is charged with 2 € per month.
  • Penta business debit cards ? Get additional company cards for your co-founder(s) or employees to do easy expense management. Every additional card above your defined plan allowance is charged with 3 € per card.
  • Sub accounts ? Open up to 4 additional sub accounts as part of your Plan.
  • Cash withdrawals ? Each cash withdrawal above your defined plan allowance is subject to a small fee of 2.50 €.
  • Outgoing SEPA-Transfers/mo ? Includes standing orders and scheduled / recurring transfers in the SEPA-zone. Each additional outgoing transfer above your defined plan costs 0.20 €. Incoming transfers and EUR card transactions are free and unlimited.
  • Direct Debit payments ? 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.
  • International payments ? 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 small markup on the traded amount for non-EUR currencies.
  • Batch payments ? Prepare dozens of payments, group them into a batch and authorise all of them with a single SMS. Batches can also be initiatied by uploading a .csv or .xml file.
  • User preparing payments ? One user can prepare payments and another user can verify and send the payment with the click of a button.
  • Unlimited transactions history ?
  • Loans ? Easily apply and receive tailored to your needs financing solutions, such as loans, factoring or leasing.
  • Point-of-sale banking ? Penta POS: Accept credit, debit and contactless payments in partnership with SumUp. No monthly fee, 49€ (instead of 59€) one-time payment. 0.9% of the revenue of debit card payments, 1.9% of the revenue of credit card payments.
  • Google Pay
  • Coming Soon Virtual Cards
  • Coming Soon Direct Debit collections ? SDD collections are supported via the SDD Core scheme.
PENTA ACCOUNTING & EXPENSES
  • Role and user management
  • Custom notifications
  • Receipt management   ? Easily upload, export and attach a receipt to a transaction.
  • Custom transactions categories (single)
  • Add notes to transactions
  • Accounting integrations   ? Directly integrate your account with Lexoffice or Debitoor. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • CSV Export
  • DATEV (Export)   ? Download your transaction data in a “MT940” file so that your accountant can upload it into Datev.
  • Coming Soon DATEV (receipt handling)
  • Coming Soon Custom transactions categories (multiple)
PENTA COMPANY MANAGEMENT
  • Penta Rewards  ? Get access to special curated deals for SMEs – starting with AWS credits for your development up to special conditions for DriveNow.
  • Dedicated Key Account Manager
  • Coming Soon Cashflow Forecasts
  • Coming Soon Monthly legal advice
  • Coming Soon API access
  • Coming Soon Exclusive Penta Founders & Business Club

For a detailed overview of our services please refer to the Prices and Services List.

20k+ 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.”

Christoph Wünsche COO @ bepro11

“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

FAQ

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

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, Sole Proprietor (Einzelunternehmen), Freiberufler.

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.

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

Yes, all incoming EUR transfers and card transactions (SEPA-zone) are free of charge and unlimited. Outgoing transfers are dependent on your plan. Each plan has a certain allowance of outgoing SEPA-transfers. This includes standing orders and scheduled / recurring transactions in the SEPA-zone. Transfers above your plan allowance are charged with 0.20 € each.

The total limit for a single card is a maximum of €50,000 per month – €25,000 for online payments and €25,000 for offline payments, including cash withdrawals. This limit applies to a single card, so with each additional card, the possible total limit for your company increases.

Yes. As soon as you upgrade your plan, it will be available to you immediately. If you downgrade, the new plan will not be available until the first of the next month. Changes to your price plan can be adjusted in the account settings under “Administration” followed by “Subscription – Change Plan”.

Get your Penta account today!