Special Offer:  Use any Penta plan for free until January 31, 2019

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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.

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4.9

Customer Reviews
€100.000
Guarantee on deposits
10 minutes
Apply for account
€100+ million
Transactions volume

Easy business banking.

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

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, used for online and offline payments, to your address within a few days.

Professional Support

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

Real-Time

Real-time banking. Get instant balance updates when you send or receive transactions.

Security

Your funds are protected by the European Deposit Insurance Scheme.

Recurring Payments

Spend less time sending money. Set up automatic payments on a recurring basis.

Automated Accounting

Automate your accounting and synchronize your transactions with Lexoffice.

Learn more

CSV Export

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

Custom notifications

Receive instant custom email notifications about incoming or outgoing transactions.

Multiple Cards & Users

Let your business partners easily access your bank account. Order multiple MasterCards.

Learn more
new feature

Automated Accounting

Penta now allows you to synchronize your transactions with the most popular accounting tool in Germany: Lexoffice. With Lexoffice accounting software, your bookkeeping is done automatically.

We care. We deliver.

With Penta, you set the pace. We design the product around your needs and let you vote on our public roadmap.

Here are some of the features we will be releasing soon.

Open API

Automate your banking tasks and integrate your Penta bank account with any software.

Automated Accounting

Automate your accounting stay in sync with the accounting tools you use

Direct Debit

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

Foreign Transfers

Send money in 34 different currencies all across the world — at a low-cost.

Thousands of business in 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

Thousands of businesses
all over Germany use Penta.

Learn why so many companies choose Penta as their primary bank account.

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, startup bank

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.

Advanced and Premium plans are free until January 31.

Special offer: Go Digital with your business banking.
Choose the plan that suits your needs and use it completely free until January 31, 2019.

Basic

0

 /mo
    
excl. VAT

20 free outgoing SEPA transfers

each additional 0.20 EUR

1 Online banking user

1 Business MasterCard

No Commitment, cancel anytime

Coming soon

No Foreign currency transfers

No Accounting Integration

No API access

Open for free

Advanced

9

 /mo

50 free outgoing SEPA transfers

each additional 0.20 EUR

2 Online banking users

2 Business MasterCards

Automated Accounting

No Commitment, cancel anytime

Coming soon

1% Foreign currency transfers

Accounting Integration

No API access  

try for free

Free until January 31, 2019

Advanced

9

 /mo
 

Advanced

9

 /mo
 
 excl. VAT
Free until January 31,2019

Premium

19

 /mo
    
excl. VAT
FREE UNTIL JANUARY 31,2019

100 free outgoing SEPA transfers

each additional 0.20 EUR

5 Online banking users

5 Business MasterCards

Automated Accounting

No Commitment, cancel anytime

Coming soon

0.5% Foreign currency transfers

Accounting Integration

API access

try for free

Free until January 31, 2019

Basic Plan

Basic

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20 Free outgoing SEPA transfers

1 Team Members

1 Business MasterCard

0 EUR

/ Month

Basic Plan

Advanced

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50 Free outgoing SEPA transfers

2 Team Members

2 Business MasterCards

Coming Soon

1% Foreign Currency Transfers

Accounting Integration

9 EUR

/ Month

Basic Plan

Premium

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100 Free outgoing SEPA transfers

5 Team Members

5 Business MasterCards

Coming Soon

0.5% Foreign currency transfers

Accounting Integration

API Access

19 EUR

/ Month

Basic

0

 /mo
    
excl. VAT

20 free outgoing SEPA transfers

each additional 0.20 EUR

1 Online banking user

1 Business MasterCard

No Commitment, cancel anytime

Coming soon

No Foreign currency transfers

No Accounting Integration

No API access

Open for free

Advanced

9

 /mo

50 free outgoing SEPA transfers

each additional 0.20 EUR

2 Online banking users

2 Business MasterCards

Automated Accounting

No Commitment, cancel anytime

Coming soon

1% Foreign currency transfers

Accounting Integration

No API access

try for free

Advanced

9

 /mo
 

Advanced

9

 /mo
 
 excl. VAT
FREE UNTIL JANUARY 31,2019

Free until January 31, 2019

Premium

€ 19

9

 /mo
For the next 6 months
excl. VAT
FREE UNTIL JANUARY 31,2019

100 free outgoing SEPA transfers

each additional 0.20 EUR

5 Online banking users

5 Business MasterCards

Automated Accounting

No Commitment, cancel anytime

Coming soon

0.5% Foreign currency transfers

Accounting Integration

API access

try for free

Free until January 31, 2019

Multiple Logins & Mastercards

Get additional Mastercards for your business partners and give access with the custom permissions to your employees.

learn more

Open a Penta account today.

Open account now