Transparent pricing.
No hidden fees.

Basic

0 EUR

per Month

50 free outgoing SEPA transfers

1 Online banking user

1 Business MasterCard

Coming soon

No Foreign currency transfer

No Accounting Integration

No API access

Advanced

9 EUR

per Month

Most popular

100 free outgoing SEPA transfers

2 Online banking users

2 Business MasterCards

Coming soon

1% Foreign currency transfers

Accounting Integration

No API access

Premium

19 EUR

per Month

300 free outgoing SEPA transfers

each additional 0.10 EUR

5 Online banking users

additional user 2 EUR/mo.

5 Business MasterCards

additional cards 5 EUR/mo.

Coming soon

0.5% Foreign currency transfers

Accounting Integration

Included API access

Basic

0 EUR

per Month

30 EUR Setup Fee

50 free outgoing SEPA transfers

1 Online banking user

1 Business MasterCard

Coming soon

No Foreign currency transfer

No Accounting Integration

No API access

Advanced

9 EUR

per Month

No Setup Fee

100 free outgoing SEPA transfers

2 Online banking users

2 Business MasterCards

Coming soon

1% Foreign currency transfers

Accounting Integration

No API access

Premium

19 EUR

9 EUR

per Month

Only for the first 6 months

special offer!

No Setup Fee

300 free outgoing SEPA transfers

each additional 0.10 EUR

5 Online banking users

additional user 2 EUR/mo.

5 Business MasterCards

additional cards 5 EUR/mo.

Coming soon

0.5% Foreign currency transfers

Accounting Integration

Included API access

Full list of services

Transactions

Free

First 10 outgoing SEPA transactions (EUR)

Card payments and direct debits do not incur any costs.

0,10 EUR

Any additional transactions will incur a cost of 0,10 EUR per transaction in the SEPA zone

Card payments and direct debits do not create cost.

*tbd.

Transactions outside of the SEPA zone

Coming soon.

Additional Services

3,00 EUR
plus external costs

Reversals of direct debits

A reversal of direct debits occurs if a direct debit transaction fails.

5,00 EUR

Dunning fee per reminder

For example: in cases of insufficient funds for monthly debit card costs.

10,00 EUR

Table of proceeds & income

A full list of all proceeds within all accounts a customer holds at Penta / solarisBank.

10,00 EUR

Issue of duplicates

10,00 EUR

Change of transaction, call back of transaction, per transaction

This fee only applies, if the customer themself is responsible for the change of an existing transaction.

10,00 EUR

Pledging

Possibility to use the Penta account as a pledge for other financial institutions.

10,00 EUR

Bank inquiry – domestic and abroad

Customer can ask for a bank inquiry to give information about the economic situation (e.g. creditworthiness, liquidity).

10,00 EUR

Additional confirmation of balance

Written declaration about the balance of the account.

10,00 EUR

Account blocking

Closure of accounts for creditor protection.

150,00 EUR

Penta Emergency Cash Service

No worries. We got your back. 😇

Card Services

Free

Issuance price of the 1st Mastercard

Free

Card payments in domestic currencies

2% of transaction value

Card payments in foreign currencies

Within and outside of the EU.

2% (min. 2 EUR)

Cash withdrawals in domestic currencies

2% (min. 2 EUR)

Cash withdrawals in foreign currencies

Within and outside of the EU.

100,00 EUR

Unjustified reclamation of a transaction (Chargeback)

Order to recall a direct debit which has no legal basis.

10,00 EUR

Ordering of a replacement card

In cases of self-inflicted loss or defect.

FAQ

How long does the registration take?

Completing the account application takes 15 minutes on average. From there, we review your documents, which can take up to 48 hours.

Can I open an bank account outside of Germany?

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

What legal form does my business require in order to be eligible for an account?

Penta is only available for German businesses with these legal forms:

UG - GmbH - AG - GbR - OHG - PartG - KG - e.K. - eG - GmbH/UG in Gründung

Are my savings safe? Is there a limited guarantee if the bank goes bust?

Yes. Our banking partner, solarisBank, provides a deposit guarantee of up to €100,000 - just like all the other banks in Germany do.

i still have questions

Open a Penta account today.

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