Penta Business Comfort

Annual account feeAccount fee
228.00  €
Cash withdrawal
Cash withdrawal note
2x free cash withdrawals worldwide per month. Additional withdrawals are charged with 1.50 €.
1.50 €
  • Bank offers English registration form
  • 2 User Accounts & Mastercards
  • Suitable for Startups
  • Free card payments in the euro area
  • Integration of Accounting Software
  • Free of charge Mastercard Credit Card
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Penta Business Comfort
Grade 1.4
Yearly Fee
14 of 15
Onlinebanking & -fees
21 of 22
Telephonebanking & Offline banking
0 of 6
0 of 5
Credit Card & Bank Card
12 of 14
Card payments
12 of 20
Mobile payments
0 of 3
Flexibility of legal types
11.5 of 12
Apps, Useraccounts & Deposit Insurance
15 of 19
1 of 2
Accounting, Billing & other features
6 of 10
92.5 of 128
Grade 1.4
Bank Solarisbank AG
Vendor name Penta Fintech GmbH
Annual account feeAccount fee 228.00 €
Credit interest
Costs & Fees
Annual Fees
Account fee p.a. 228.00 €
Credit card fee p.a. 0.00 €
Transaction fees
Online transactions free of charge p.M. 300
Online transactions 0.20 €
Paper transactions
Telephone banking
Payment costs
Credit Card Mastercard
Fees per payment euro zone 0.00 €
Foreign exchange fee 1.50 %
Cash withdrawal costs
Free Withdrawals p.m. 2
Cash withdrawal (domestic) 1.50 €
Cash withdrawal (euro zone) 1.50 €
Foreign exchange fee 1.50 €
Legal forms
Freelancers & Sole Proprietors
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)

Penta is a young Berlin start-up that has started to change online banking for freelancers and small and medium-sized businesses. The start-up is not a bank in the classic sense, but a FinTech that is constantly coming onto the market with new services and is therefore particularly interesting for users who are open to innovations in banking and finance. Penta offers the business account in three variants. The Penta Comfort business account is considered the most popular model because it combines the most important services of a corporate account with a reasonable price.

Penta Comfort Business Account Services

The account allows the processing of all cashless payment transactions at home and abroad through incoming and outgoing transfers. There is no contractual obligation. The basic price includes 100 SEPA transfers per month. A maximum of two users have access to the account, and the number of credit cards is also limited to two.

For whom is the Penta Comfort business account suitable?

In principle, this account is suitable for all young entrepreneurs. It is particularly suitable for freelancers or start-ups in which two partners are involved in the foundation. Both partners are granted access to online banking, both receive a Mastercard. The Penta Comfort is therefore suitable for companies with the legal form UG or GmbH, if two partners are founding, but also for a partnership under civil law, for a general partnership or for a limited partnership. According to German company law, two shareholders must be involved in these legal forms. The Comfort Account is therefore not only recommended for beginners, but also for companies on a growth course.

Prices & Conditions of the Penta Comfort Business Account

The basic fee is nine Euro per month, a reduction of the costs for founders is not planned. This price includes 100 SEPA transfers per month, each additional transfer costs 0.20 euros. Two users of online banking and Mastercards are also covered in this price. For payments abroad there is a fee of six euros per payment, foreign currency fees amount to 1.50 percent of Penta’s turnover.

Special features of the Penta Comfort business account

In addition to payment transactions, the young start-up offers a range of other services. These include, for example

  • automated accounting,
  • Transactions in foreign currencies,
  • A payroll accounting,
  • Factoring and
  • an invoicing system.

It is also noticeable that the Penta start-up company regularly launches new services that extend the range of services for the business account. Customers are given a say in the development of these services, so that new features can be implemented quickly if the majority of account holders express interest. As a result, it is to be expected that the range of services will be further expanded in the coming years. This makes the account particularly interesting for account holders who are open to new trends in the financial market and who want to use them for themselves and their company.

Penta Comfort business account: Advantages and disadvantages

The Penta Comfort is very suitable for young entrepreneurs who are starting up with a partner. The range of services is consistently tailored to this. The account management remains flexible enough, but also manageable and calculable, so that no disproportionately high costs should arise. At present the withdrawal of cash via bank card is not yet planned. Only Mastercard can be used to withdraw cash at ATMs. This can be impractical for users who need to obtain cash more frequently for their business. The lack of an overdraft facility is also a disadvantage.

Open a business account with Penta

The opening of the Penta Comfort is fully digitalized. It takes about ten minutes to enter personal and company data. If there is a shareholders’ agreement for the company, this must be submitted. The account holder is identified via VideoIdent, which saves the journey to the post office. Two to three days after the identification has been carried out, the account is activated for use.

Conclusion on the Penta Comfort business account

The Penta Comfort may appeal to young entrepreneurs who are starting up with a partner and who are already on a growth course. With this account, Penta offers this target group interesting services at a reasonable and calculable price.

Penta also offers a Basic and a Premium version.

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