Deposit your share capital online in minutes.

If you’re founding a UG or GmbH, you can open a free bank account with Penta and have it confirmed in up to 48 hours.

open account now
penta foundation bank account, startup bank account, gmbh bank account, free bank account

The easiest way to deposit your share capital - 100% online.

Deposit your share capital (Stammkapital) online if you have a UG in Gründung or GmbH in Gründung in Germany.

1

Tell us about yourself and your business

We'll need information about what you do and who's involved in your business. You'll also have to upload several documents*.

2

We will approve your account in about 48 hours

You and your shareholders can then transfer the required share capital to your new German IBAN.

3

Download your bank statement

Once the funds arrive, you can download your bank statement and send it to your notary. Once your company is registered, you will be able to make outgoing transactions.

*You’ll need the following documents which your notary will provide you with upon forming your company: Gesellschaftsvertrag (Articles of Association), Gesellschafterliste (List of shareholders).

Easy business banking.

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

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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.

Real-Time

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

Professional Support

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

Multiple Cards & Users

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

Recurring Payments

Spend less time sending money. Set up automatic 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
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.

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.

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Partner offer

Need help starting your company?

With our partner, firma.de, you can create a company faster and avoid the bureaucratic hurdles. Firma.de also provides a number of services for operational management, such as accounting, payroll, or trademark registration.

Found a company as quickly as possible

No need to navigate the German bureaucracy

Receive ongoing support from a dedicated consultant throughout the entire process

Learn more
PARTNER OFFER

Need help starting your company?

With our partner, firma.de, you can found a company faster and avoid the bureaucratic hurdles. Firma.de also provides a number of services for operational management, such as accounting, payroll or trademark registration.

Found the company as quickly as possible

No need to navigate the German bureaucracy

Receive ongoing support throughout the process from a dedicated consultant

LEARN MORE

Transparent pricing.
No hidden fees.

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.

Open account now