Choose Your Pricing Plan

Start by selecting the pricing plan that fits your needs. For each plan you choose, you will also be able to add more features at an extra cost.


With the starter package, you are best equipped to conquer your daily business banking as it covers all basic needs. Ideal for startups or smaller businesses.

9 €
/month (+ VAT)
One month free. Cancel anytime.
Penta Banking
  • 2 Users

  • 2 Cards

  • 100 Outgoing SCTs

  • 1 Subaccounts

  • 2 ATM Withdrawals

  • Lexoffice, Debitoor, DATEV Unternehmen online

  • 1% FX Mark-up

  • SDD Collections

  • Penta rewards

  • DATEV Belegbilderservice

  • Point-of-Sale Banking

  • Chat support

Most popular


Enjoy a more extensive and comfortable offer, includes everything you need to help your business grow. Perfect for companies managing more employees with multiple transactions.

19 €
/month (+ VAT)
One month free. 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, Debitoor, DATEV Unternehmen online

      ? Directly integrate your account with Lexoffice or Debitoor. 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 Comfor 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


We grow with you! This pricing model is perfect for bigger companies who need multiple users, cards and subaccounts and who have a high transaction volume.

49 €
/month (+ VAT)
One month free. Cancel anytime.
Penta Banking
  • 15 Users

  • 15 Cards

  • 600 Outgoing SCTs

  • 6 Subaccounts

  • 9 ATM Withdrawals

  • Lexoffice, Debitoor, DATEV Unternehmen online

  • 0,3% FX Mark-up

  • SDD Collections

  • Penta rewards

  • DATEV Belegbilderservice

  • Point-of-Sale Banking

  • Chat support

Optional Add-Ons

In addition to your selected pricing plan, you can choose more features to fully personalize your Banking experience. Each feature has an extra cost per month. Available for all pricing plans.

Extra User

Add as many users 
as you need.
€ 2/ mo per user

Extra Card

Add as many cards 
as you need.
€ 2/ mo per card

Extra Subaccount

Add up to a total of 15 subaccounts.
€ 4/ mo per subaccount

SDD Collection

Collect as many SDD’s as needed.
€ 0.30/ mo per collection

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

40k+ 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.”

“Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.”

Included in all plans

Every Penta account is easy to use and has the highest security standards.

Test for free

Try Penta for 1 month free of charge and without any obligation. Cancel or change your account at any time.

Transparent pricing

All Penta business account costs are 100% transparent and comprehensible.

Mobile App

Manage your Penta account from anywhere on your smartphone with the Penta app.

Adjust anytime

With Penta, you can switch between account models at any time.


If you have any questions about Penta, our support team is always happy to answer them by phone, email or chat.

High security standards

Modern security standards and TLS encryption protect your payment data in online banking.

Test Penta busines account for free

Open an account in 3 steps

How it works

  1. Apply for an account
    Enter in data about your business and get star
  2. Account verification
    Your identity and business are verified with the help of IDnow VideoIdent.
  3. Done!
    Time is more than money, and you’ll save it when banking online with your new Penta business account.

Prices and fees at a glance

How Penta's business account compares

Want to see our prices and costs compared to other competitors? Whether you’re a sole proprietor, start-up or SME, our business account comparison gives you the lowdown on different accounts, their features and their pricing.

What our customers say

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Questions? Reach out to our awesome support team today!

Frequently asked questions about costs and fees

You can test Penta’s features for one month free of charge with the “Starter”, “Comfort” or “Enterprise” plan.

Penta currently offers three pricing models:

  • “Starter” plan for €9.00 monthly account management fee
  • “Comfort” plan for €19.00 monthly account management fee
  • “Enterprise” plan for €49.00 monthly account management fee

Please note that separate fees may apply for features and services as outlined in our prices and services list below.
All prices are exclusive of VAT.

Click here for our Prices and Services list.

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.

Filling out your registration for a Penta account takes about 15 minutes.

After you have filled out the registration form, uploaded the necessary documents and verified your identity with IDnow, we and the Solarisbank AG will verify your information.

Your Penta account usually will then be opened within two business days.

The trial period is without obligation, can be cancelled at any time before the expiration date and has no specific start date (e.g. 13.06.2021 until 13.07.202. After that you’ll pay either €9.00 monthly for the “Starter”, €19.00 for the “Comfort” or €49.00 for the “Enterprise” plan.

10 days before the end of the trial period we will send you a reminder email to remind you of the end of the free trial period.

If you have any questions about this topic, our customer service will be happy to help you from 9:00 a.m. to 6:00 p.m. weekdays at

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

Currently you can connect your Penta business account with the following accounting software:

  • DATEV Unternehmen online
  • DATEV Belegbilderservice (only for users of the “Comfort” and “Enterprise” plan)
  • Lexoffice
  • Debitoor
  • Papierkram
  • Billomat
  • Buchhaltungsbutler
  • sevDesk
  • Candis
  • FastBill

You can find more information about our accounting integrations here.

The maximum card limits of the Penta card differ depending on whether you have chosen the “Starter”, “Comfort” or “Enterprise” pricing plan and whether you have a VISA or Mastercard.
You can find more information about corporate cards and functions here.

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

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.

The price plan of a company can be changed by the account admin (managing director).

You can view and change your price plan at any time in the “Subscription” tab under the “Administration” menu item.

Please note: Users with the “manage cards” and/or “manage users” permissions can perform activities that result in extra charges by adding a user or card over the limit for the plan. This is independent of the “manage subscription” permission.

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.

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