Penta

Penta provides a digital bank account for startups and SMEs with all banking needs covered. Saves time and money.

Founded 2016 Germany

Berlin, Germany 24 employees Acquired Total: $62.20M Financial Services, Fintech +1

General Information

Company Name Penta

Founded Year 2016

Location

Berlin, Germany

Employees 24

Industries Financial Services, Fintech, Banking

Funding Stage Acquired

Business Model B2B, SaaS, Platform

Revenue Model Tiered Pricing, Subscription, Freemium

Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Pricing Changed Oct 22, 2026

Penta changed the terms for five investment yield offerings for GmbH & UG, with rates for the initial 3-month yield and subsequent yield changing from 4.88% (then 1.88%) to 4.91% (then 1.91%), from…

Promotion Launched Oct 22, 2026

Penta is running a **Black Friday Welcome Bonus** of **€250 bonus** for new customers.

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AI Insight

Bounce Watch AI

3 days ago

Penta, operating under Qonto's ownership, has announced a strategic adjustment to its annual yields for GmbH & UG accounts, scheduled for implementation in October 2026. This forward-looking pricing strategy, involving tiered increases in both initial and subsequent yields, indicates a deliberate effort to enhance value for specific business customer segments. Such a move suggests a focus on optimizing financial product offerings to potentially attract more deposits or improve customer retention within the competitive digital banking sector.

Signal Types

Product Update Business Strategy

Strategic Labels

Pricing Adjustment Customer Retention Market Positioning

Next Move: Marketing

Impact: 7/10

Ideal For: Fintech VCs – SME Digital Banking

About Penta

Penta, founded in 2016, is a German-based financial services company positioned within the Fintech and Banking industries. The company distinguishes itself by providing a comprehensive digital banking solution tailored for startups and SMEs. With the slogan "Penta provides a digital bank account for startups and SMEs with all banking needs covered. Saves time and money," the company aims to streamline financial operations for business owners, allowing them to focus on their core operations.

Penta offers a platform of interconnected services designed to fulfill various banking requirements for small to medium-sized businesses. This approach is meant to optimize time and resources for its users. The company's last known investment was an acquisition investment that took place on 01 July 2022, led by Qonto, indicating industry confidence and potential for growth.

Business keywords: digital banking, SME banking, startup banking, cashflow management, banking automation, invoice management, online banking services, business banking platform, bank account automation, banking efficiency solutions, banking disruption, business financial services, streamlined banking processes

Services & Products

Business Account Opening

Financial Management Tools

Online Company Formation

Credit and Loan Solutions

Payment Solutions

Target Customers

Entrepreneurs Freelancers Small and Medium Enterprises (SMEs) Startups IT and Media Companies

Pricing

as listed on Oct 22, 2026

Free plan · €9–199/month

Starten: free
Basic: €9/month
Smart: €19/month
Premium: €39/month

Penta's pricing page

Funding Rounds & Investors (9)

View All

Funding Stage	Amount	Investors	Lead Investors	Date
Acquisition	Undisclosed	1	Qonto	01 Jul 2022
Series B	€15.00M	5	HV Capital, ABN AMRO +3	01 Aug 2021
Series B	€7.50M	8	HV Capital, RTP Global +6	01 Feb 2021
Series B	€4.00M	3	Presight Capital, S7V +1	01 Jul 2020
Series B	€18.50M	5	HV Capital, Redstone +3	01 Mar 2020
Early VC	€8.00M	2	HV Capital, Finleap	01 Aug 2019
Acquisition	Undisclosed	1	Finleap	01 Apr 2019
Series A	€7.00M	1	Inception Venture Capital Investments	01 Oct 2018
Seed	€2.20M	1	Inception Venture Capital Investments	01 Feb 2018

Latest News

View All

Günün öne çıkan gelişmeleri: YEOTK, MIATK, DOFRB, ELITE, PENTA (16 Eylül)

Getmidas.com Sep 16, 2025

0TO9 emerges from stealth with plan to build 1,000 fintechs by 2045

Tech Sep 03, 2025

German fintech Vivid Money buys Pile’s treasury solution

Fintechfutures.com Mar 26, 2025

EU-Startups Podcast | Episode 60: Jessica Holzbach, Co-founder & CEO of Pile

Eu-startups Mar 14, 2024

Flush with cash, French fintech unicorn Qonto acquires Regate

Techcrunch Mar 14, 2024

‘Qonto want to buy the world’: How France’s business banking unicorn is defying fintech downturn

Sifted Feb 27, 2024

Penta Alternatives & Competitors

View All Alternatives

Penta vs

FYRST Banking Germany

Die Bank, die Ihr Business leichter macht.

25 employees

Finance, Financial Services

Penta vs

Tide United Kingdom

Tide is transforming SME banking & business management with 1.6M+ members across the UK, India, Germ...

Post IPO

3465 employees

Fintech, Payments

Penta vs

Norma Turkey

Freelancer and Micro-business banking and financial solutions

Acquired

10 employees

Financial Services, Fintech

View all alternatives

FAQ About Penta

Penta provides a digital bank account for startups and SMEs with all banking needs covered. Saves time and money.

Penta was founded in 2016.

Penta is headquartered in Berlin, Germany.

Penta operates in Financial Services, Fintech and Banking. Its work centres on digital banking, SME banking, startup banking and cashflow management. Its customers include Entrepreneurs, Freelancers and Small and Medium Enterprises (SMEs).

Penta has a B2B, SaaS and Platform business model. Its revenue comes from Tiered Pricing, Subscription and Freemium.

As listed on Penta's pricing page on Oct 22, 2026: Free plan · €9–199/month (Starten: free; Basic: €9/month; Smart: €19/month; Premium: €39/month).

Penta has approximately 24 employees.

Penta has completed 9 funding rounds, raising a total of $62.20M. The latest funding stage is Acquired.

Penta offers: Business Account Opening, Financial Management Tools, Online Company Formation, Credit and Loan Solutions, Payment Solutions.

Top alternatives and competitors to Penta include FYRST Banking, Tide, Norma, Statrys, Finom. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.

Penta and FYRST Banking are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Penta, https://bouncewatch.com/company/penta, updated 20 October 2026. When citing, please name BounceWatch and link this page.

Penta

General Information

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AI Insight

About Penta

Services & Products

Target Customers

Pricing

Funding Rounds & Investors (9)

Latest News

Penta Alternatives & Competitors

FAQ About Penta