Transparent pricing.
No hidden fees.



per month

10 Free outgoing transactions per month

each additional 0.10 EUR

1 Business MasterCard

1 Online banking user

3% Foreign currency transfers

Coming soon

No API access

Coming soon


19 EUR

per month

Unlimited Free outgoing transactions

Unlimited Business MasterCards

Unlimited Online banking users

0.6% Foreign currency transfers

Coming soon

Included API access

Coming soon

Open Account now

Full list of services



First 10 outgoing SEPA transactions (EUR)

Card payments and direct debits do not incur any costs.

0,10 EUR

SEPA transaction (1, 2) The first 10 transactions are free of charge. Any additional transaction costs per transaction. (2, 3)

Card payments and direct debits do not create cost.


Transactions outside of SEPA zone

Coming soon

Additional Services

3,00 EUR
plus external costs

Reversals of direct debits

A reversal of direct debits occurs if a direct debit transaction fails.

5,00 EUR

Dunning fee per reminder

For example in cases of insufficient funds for monthly debit card costs.

10,00 EUR

Table of proceeds & income

A full list of all proceeds within all accounts a customer holds at Penta / solarisBank.

10,00 EUR

Issue of duplicates

10,00 EUR

Change of transaction (3) , call back of transaction (3), per transaction

This fee only applies, if the customer himself is responsible for the change of an existing transaction.

10,00 EUR


Possibility to use the Penta account as a pledge for other financial institutions.

10,00 EUR

Bank inquiry – domestic and abroad

Customer can ask for a bank inquiry  to give information about the economic situation ( e.g. creditworthiness, liquidity).

10,00 EUR

Additional confirmation of balance

Written declaration about the balance of the account.

10,00 EUR

Account blocking

Closure of accounts for creditor protection.

150,00 EUR

Penta Emergency Cash Service

No worries. We got your back. 😇

Card Services


Issue price of the 1st Mastercard

2,00 EUR

Monthly fee from the second card

The first Debit Card is free of charge. Each additional costs 2 € per month.


Card payments in domestic currencies

2% of transaction value

Card payments in foreign currencies

Within and outside of the EU.

2% (min. 2 EUR)

Cash withdrawal in domestic currencies

2% (min. 2 EUR)

Cash withdrawal in foreign currencies

Within and outside of the EU.

100,00 EUR

Unjustified reclamation of a transaction (Chargeback)

Order to recall a direct debit which has no legal base.

10,00 EUR

Ordering of a replacement card

In case of self-inflicted loss or defect.


How long does the registration take?

Completing the account application on average takes 15 minutes. Then we will review your documents, this takes around 48 hours.

Can I open an bank account outside of Germany?

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

What legal form does my business require to be eligible for an account?

Penta is only available for German businesses with these legal forms:

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

Are my savings safe? Is there a limited guarantee if the bank goes bust?

Yes. Our banking partner, solarisBank, provides a deposit guarantee of up to €100,000 - just like all other banks in Germany have.

i still have questions

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