Open a free business bank account online in minutes.

Penta helps small businesses and startups save time and money with easy online banking. Great features. Top security. Fast support.

open account now

Easy business banking.

Penta provides the same financial tools as traditional business banks, but is easier to use and helps you save time and money with online business banking.

penta free business bank account, startup bank account, online business bank account

German IBAN

You will have your own personal German IBAN to send and receive payments all over Europe (SEPA Zone).

MasterCard

You’ll receive your debit MasterCard for online and offline payments to your address within a few days.

Real-Time

Real-time banking. Get instant balance updates when you send and receive money.

Professional Support

Our support is professional, quick and friendly. We speak German and English.

Transparent Pricing

Penta is free to open and free to use. You'll receive 10 free transactions every month.

Recurring Payments

Spend less time sending money. Automatically set payments on a recurring basis.

CSV Export

Categorize your transactions and export a CSV file to send to your accountant.

Security

Your money is safe. As with traditional banks, your funds are protected by the European Deposit Insurance Scheme.

see all features
coming soon

Here’s the Penta Product Roadmap for the coming months.

In the coming weeks and months, we’ll be releasing some exciting new features and products that will help your business save time and money. Here’s a sneak peak of what we’re working on.

Team Access

Let several team members access your bank account. Issue multiple MasterCards with custom limits.

Direct Debit

Penta will give you the ability to charge your customers using Direct Debit.

Automated Accounting

Automate your accounting and sync your account with DATEV. We’ll also integrate other useful accounting tools into your Penta account.

Foreign Transfers

No more high fees on international transfers. Send money in 34 different currencies all across the world — at a low-cost

coming soon

Here’s the Penta Product Roadmap for the coming months.

In the coming weeks and months, we’ll be releasing some exciting new features and products that will help your business save time and money. Here’s a sneak peak of what we’re working on:

Team Access

Let several team members access your bank account. Issue multiple MasterCards with custom limits.

Foreign Transfers (FX)

No more high fees on international transfers. Send money in 34 different currencies all across the world — at a low-cost

Automated Accounting

Automate your accounting and sync your account with DATEV. We’ll also integrate other useful accounting tools into your Penta account.

Direct Debit

Penta will give you the ability to charge your customers using Direct Debit.

Businesses all across Germany are using Penta. Join them today!

Here’s what our customers say about us:

Thanks Penta for simplifying corporate banking for us! We switched recently and really love the design and UX.

Wünsche Christoph

BePro 11

The onboarding process with Penta was super easy! I used „digital only banks“ before and with the guys from Penta it was above easy. Keep it going, that‘s how business banking works!

Kim Körber

Better.one GmbH

Opening up a business bank account was never easier and smoother. I wish I had Penta for my previous businesses!

Christos Zioutas

Data Circle UG

Penta made setting up a bank account incredibly easy, quick and straightforward. Best of all, we didn’t need to deal with any paperwork.

Sissel Hansen

Startupguide.world

Penta has the greatest customer support I have experienced with any service. It's just like out of a movie. Penta's support is quick, fast and they care.

Bobby Juan

Nok City

penta foundation bank account , startup bank account, gmbh bank account, online business bank account
New feature

Deposit your Share Capital with Penta.

The easiest way to open a bank account and deposit your share capital for your business is now available with Penta—and it’s 100% online.

At Penta, we’ve made the process so easy that it only takes 15 minutes to apply and up to 48 hours to approve your account. You’ll need your passport or a valid ID, and you’ll need to upload the following documents:

Gründungsurkunde

(Memorandum)

Gesellschaftsvertrag

(Articles of Association)

Gesellschafterliste

(List of shareholders)

learn more

Your money is safe.
Your data is secure.

Guarantee on Deposits

Your money is secured by the European Deposit Guarantee Fund in case of insolvency up to € 100,000. This is the standard for all European Union credit institutions.

Regulation & Compliance

Penta accounts are held by solarisBank AG, which is regulated by The Federal Financial Supervisory Authority of Germany (Bundesanstalt für Finanzdienstleistungsaufsicht) better known as BaFin.

Data Protection

The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.

Penta online online business bank account

Your money is insured. Your data is secure.

Insurance on Deposits

Your money is secured by the European Deposit Guarantee Fund in case of insolvency up to € 100,000. This is the standard for all European Union credit institutions.

Regulation & Compliance

Penta accounts are held by solarisBank AG, which is regulated by The Federal Financial Supervisory Authority of Germany (Bundesanstalt für Finanzdienstleistungsaufsicht) better known as BaFin.

Data Protection

The use of your data is compliant with all applicable laws and strictly follows all data privacy regulations.

Standard Account

0 EUR

No monthly costs

10 first transactions per month

0 EUR

Every transaction after the 10th

0,10 EUR

Each additional business MasterCard

2 EUR/Month

Card transactions in Euro

0 EUR

Card transactions in different currencies

2 %

Simple pricing.
No hidden fees.

Sign up online in minutes.

Beautiful and easy to use interface.

100% online and paperless.

Freeze, unfreeze and change your MasterCard PIN instantly.

2-factor authentication on payments

Simple pricing.
No hidden fees.

Sign up online in minutes.

Beautiful and easy to use interface.

100% online and paperless.

Freeze, unfreeze and change your MasterCard PIN instantly.

2-factor authentication on payments

See more

Standard Account

0 EUR

No monthly costs

10 first outgoing transactions per month

0 EUR

Every outgoing transaction after the 10th

0,10 EUR

Each additional business MasterCard

2 EUR/Month

Card transactions in Euro

0 EUR

Card transactions in different currencies

2 %

Who can open a Penta account?

Penta is only available for German businesses. You are eligible to open a Penta account for your German business if you live in Germany or abroad.

You can also open an online business bank account if you’re incorporating a company in Germany (In Gründung) and if you need to deposit your share capital.

We are able to accept the following German company forms:

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

GmbH in Gründung
UG in Gründung

Penta online business bank account availability, startup bank account

Open a Penta account today.

Sign-up online. All you need is your passport or ID.

1

Tell us about yourself and your business

Fill in your personal and business information, including your shareholders’ details

2

Personal identification

Identify yourself online. All you need is your passport

3

Your account is opened

Within 48 hours we’ll approve your account and notify you. Your account is now opened! Now you can order your MasterCard.

OPEN ACCOUNT NOW