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Join the future of banking

Super-fast customer service, automated bookkeeping integration and 100% security. Get your €40 starting credit now by opening an account!

Open your Business Account in 3 steps

1
2
3
  1. Account application
  2. Account confirmation
  3. Welcome!

Choose Your Pricing Plan

Start by choosing a base plan that best suits your business.
For each plan, you can add extra features for full flexibility.

Starter

All the basics for daily business banking. Ideal for startups, sole proprietors, and smaller businesses.

€ 9
/month (+ VAT)
No hidden fees • Cancel anytime
Penta Banking
  • 2 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.
  • 2 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.
  • 100 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.
  • 1 Subaccounts

  • 2 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, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 1% 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 Comfort 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

Most popular

Comfort

Extensive banking features for growing businesses. Perfect for companies managing many employees and transactions.

€ 19
/month (+ VAT)
No hidden fees • 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, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. 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 Comfort 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

The full Penta experience. Designed for large, multi-department companies with a high transaction volume.

€ 49
/month (+ VAT)
No hidden fees • Cancel anytime
Penta Banking
  • 15 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.
  • 15 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.
  • 600 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.
  • 6 Subaccounts

  • 9 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, DATEV Unternehmen online

    ? Directly integrate your account with Lexoffice. Export your transactions to Datev, Felix1, and other tools using our MT940 export functionality.
  • 0,3% 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 Comfort 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

What our Customers say about us

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FAQ

If you open a Penta account through a referral link, you receive a starting bonus of 20 Euro directly to your newly created account. As soon as your account is active, you can also start referring businesses to Penta and receive a bonus of 40 Euro for each successful referral.

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.

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

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.

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.

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