The future of business banking designed for you.

A Penta account comes with a wide array of features that lets small businesses and startups 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 for online and offline payments to your address within a few days.

Transparente Gebühren

Du kannst Penta kostenlos eröffnen und kostenfrei nutzen. Unser Preismodell ist simpel. Zehn Transaktionen sind inklusive, jede weitere kostet nur 10 Cent.

Professional Support

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

Recurring Payments

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

Security

Your funds are held on an escrow account that we cannot access.

Real-Time

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

CSV Export

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

New feature

Multiple Logins & MasterCards

Now all legal representatives of your business can access your bank account with the permissions you assign. Delegate small banking tasks while still keeping full control of the account.

Does your team need more than one card? With Penta you can easily get MasterCards for all your business partners. Easily order additional cards right from your account.

Learn more
penta online Firmenkonto, geschäftskonto kostenlos
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.

Open API

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

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.

Already have an account? Penta works great for you!

If you already have a commercial bank account, you can fully switch your banking to Penta or create a Penta account alongside your other accounts. Switching to Penta is simple and only takes a few minutes.

Penta is also a great addition to your existing account as it is fully digital and offers an easy-to-use banking interface that works great for everyday operations. Opening a Penta account does not affect your SCHUFA score, or your credit score.

Christoph Wünsche (COO - BePro 11)

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

open account

Already have an account? Penta works great for you!

If you already have a business account you can fully switch your banking to Penta or create a Penta account alongside your other accounts. Switching to Penta is simple and only takes a few minutes.

Penta is also a great addition to your existing account as it is fully digital and offers an easy-to-use banking interface that works great for everyday operations. Opening a Penta account does not affect your SCHUFA score, or your credit score.

Christoph Wünsche (COO - BePro 11)

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

open account

Starting a business? Penta account is the best option on the market for you

Starting a business in Germany can be difficult and lengthy. Traditional banks take about 3 weeks to open a business account for businesses in foundation. Penta cuts this time down to 48 hours!

If you’re founding a UG or GmbH, you can apply for an account with Penta online in just 15 minutes. Your account will be open within 48 hours. From there, as you deposit your share capital, we will notify you and your notary automatically.

B.J. Park (Managing Director- 923b GmbH)

“The registration process with Penta is simple, quick and all digitally done in a matter of minutes. It’s super well done."

Learn more

Transparent pricing.
No hidden fees.

Basic

0 EUR

per month

10 free outgoing transactions

each additional 0.10 EUR

1 Business MasterCard

1 Online banking user

Coming soon

3% Foreign currency transfers

No API access

Advanced

9 EUR

per Month

Most popular

100 free outgoing transactions

each additional 0.10 EUR

2 Business MasterCards

2 Online banking users

Coming soon

1% Foreign currency transfers

No API access

Premium

19 EUR

per Month

Unlimited free outgoing transactions

Unlimited Business MasterCards

Unlimited Online banking users

Coming soon

0.6% Foreign currency transfers

Included API access

30 EUR Setup Fee

10 free outgoing transactions

each additional 0.10 EUR

1 Business MasterCard

1 Online banking user

Coming soon

3% Foreign currency transfers

No API access

Basic

0 EUR

per Month

Premium

19 EUR

5 EUR

per Month

Only for the first 12 months

special offer!

No Setup Fee

Unlimited free outgoing transactions

Unlimited Business MasterCards

Unlimited Online banking users

Coming soon

0.6% Foreign currency transfers

Included API access

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
Penta online business bank account availability, startup bank account

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

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 or ID.

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