Penta — Phone number and contact

Penta Key Facts

• Customer service phone: 4196616345
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Penta

Contacting Penta (Qonto): Phone, Email, App, and All Contact Details

Looking to contact Penta by phone or reach the customer service of this German neobank that has become essential for European professionals? Whether you're a self-employed entrepreneur, SME manager, or freelancer, it's essential to know how to get in touch with your bank quickly and efficiently. In this comprehensive guide, we provide all the information about the Penta phone number, available communication channels, plans, security, customer reviews, and much more. Penta, now integrated into the Qonto group, continues to offer top-tier digital banking services from Germany. Discover everything you need to know to reach Penta by phone, use the mobile app, and get the most out of your business account.

Before diving into the details, let's clarify a crucial point: Penta is a Penta neobank that is 100% digital. This means that all interactions with customer service, including requests for phone contact, primarily go through the mobile app and online chat. There is no traditional phone number to dial as you would with a conventional bank. To call Penta or speak to a Penta advisor, the preferred approach is to use the contact form built into the app or on the getpenta.com website. This approach, typical of neobanks, ensures optimal traceability and a rapid response from support teams.

1. Background and History of Penta: From Berlin to the Whole of Europe

Penta's story begins in December 2017, in the heart of Berlin, Germany's fintech capital. Founded by Marko Wenthin and Lav Odorovic, Penta was born from a simple yet powerful observation: German small and medium-sized enterprises were poorly served by traditional banks. Opening a business account took weeks, fees were opaque, and digital tools were virtually non-existent. The founders, both seasoned entrepreneurs, decided to create a radically different alternative: a business bank account that could be opened online in minutes, with an intuitive mobile app and features designed for the real needs of businesses.

From its open beta launch in 2017, Penta attracted the attention of Berlin's fintech community. The strategic partnership with Solarisbank (now Solaris), a platform bank holding a full banking license issued by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht, Germany's federal financial supervisory authority), enabled Penta to offer regulated banking services without having to obtain its own license. This Banking-as-a-Service model, which has become standard in the fintech industry, gave Penta the technological flexibility of a startup while guaranteeing customers the security of a regulated bank.

In October 2018, Penta reached a major milestone by raising €7 million in a Series A round, led by renowned investors in the fintech sector. This capital injection accelerated product development, expanded the team, and broadened the range of services. At that time, Penta already had several thousand customers, primarily GmbHs (the German equivalent of an LLC), UGs (simplified limited liability companies), and freelancers based in Germany.

The year 2020 saw Penta continue its growth with a funding round of €18.5 million, in which ABN AMRO Ventures, the venture capital arm of the Dutch banking giant, participated. Hugo Bongers, director of ABN AMRO Ventures, stated at the time that the investment in Penta was motivated by the quality of its leadership team and its vision for the future of business banking. The involvement of a major traditional bank in a neobank was a strong validation signal for Penta's business model. The customer base had surpassed 16,000 businesses, and the platform was processing steadily growing transaction volumes.

The decisive turning point in Penta's history came on July 22, 2022, when Qonto, the French unicorn specializing in digital financial management for SMEs and independent professionals, announced its intention to acquire Penta. This acquisition, reported by Reuters and major European financial media, represented the first major external growth operation for Qonto since its founding in 2016 by Alexandre Prot and Steve Anavi. The objective was clear: to become the undisputed leader in digital business banking in Germany, Europe's largest SME market.

The acquisition brought approximately 50,000 additional customers to Qonto, which already counted 250,000 across France, Germany, Italy, and Spain. Analysts at Edgar Dunn highlighted that this deal positioned Qonto as a pan-European leader in digital business banking, capable of competing with traditional players on their own turf. The merger of the two entities combined Penta's local expertise in the German market with Qonto's technological and financial resources, valued at over €4 billion at its latest funding round.

Since this merger, Penta customers have been gradually invited to migrate to the Qonto platform while retaining the features that made Penta strong. The getpenta.com website now redirects to Qonto pages dedicated to the German market, and the teams from both companies have been integrated to offer a unified experience. This transition illustrates a broader trend of consolidation in the European neobank sector, where the strongest players absorb their competitors to reach the critical mass necessary for profitability.

For long-standing Penta customers who wish to contact Penta by phone or get help during this transition period, the main channel remains the mobile app and chat-based support. The Penta contact email and the online form on getpenta.com also allow reaching the teams, who provide personalized assistance to facilitate the migration to Qonto. This digital approach to customer service, while it may unsettle those accustomed to traditional bank branches, is fully in line with neobanks' philosophy of prioritizing responsiveness and efficiency.

2. Penta Plans and Pricing: A Fee Structure for Every Profile

Understanding Penta pricing and Penta fees is essential before opening an account. Penta historically offered a range of three pricing tiers designed to suit the varied needs of German professionals. Whether you were a starting freelancer or a growing SME, there was a plan suited to your situation. Here is the complete breakdown of the plans as they were offered before full integration with Qonto.

Penta Starter (Basic) — €9 per month

• A business bank account with a German IBAN (DE)
• One physical Visa debit card included
• 50 free transactions per month (incoming and outgoing SEPA transfers)
• Access to the Penta mobile app (iOS and Android)
• Basic accounting integrations (CSV export, DATEV connection)
• Customer support via chat and email
• Real-time notifications for every transaction
• Automatic expense categorization

This entry-level plan was ideal for micro-entrepreneurs, freelancers, and small businesses with a moderate transaction volume. At €9 per month, it was one of the most competitive offerings in the German market, well below the account maintenance fees charged by traditional banks like Deutsche Bank or Commerzbank, which often charge between €15 and €30 per month for a comparable business account.

Penta Comfort — €19 per month

• Everything included in the Starter plan
• 200 free transactions per month
• Up to 5 Visa debit cards (for team members)
• Sub-accounts for organizing finances
• Advanced accounting integrations (Lexoffice, sevDesk, FastBill)
• User permission management
• Automatic export to accounting software
• Priority customer support

The Comfort plan was the core of Penta's offering, aimed at growing SMEs that needed to manage spending across multiple team members. The ability to distribute cards to the team while maintaining centralized control over limits and authorizations was one of the major selling points of this tier. Penta fees remained transparent, with no hidden costs, and additional transactions beyond the free quota were charged at a clearly stated fixed rate.

Penta Premium — €49 per month

• Everything included in the Comfort plan
• Unlimited transactions
• Up to 25 Visa debit cards
• Unlimited sub-accounts
• Dedicated account manager
• Cash flow forecast
• Priority access to new features
• Phone support by appointment via the app
• Custom API integrations

The Premium plan was aimed at larger businesses with complex financial management needs. Access to a dedicated account manager and the possibility of phone support by appointment were significant advantages for business owners wishing to speak to a Penta advisor on a personalized basis. The cash flow forecast feature, rare among neobanks, enabled anticipating financial flows and managing the business with greater visibility.

Regarding Penta pricing for specific operations, here were the main fees charged:

• Outgoing SEPA transfer: included in the monthly quota, then €0.20 to €0.50 per transaction depending on the plan
• Incoming SEPA transfer: free
• Penta international transfer (outside SEPA zone): starting from €3 per operation, with transparent exchange fees
• ATM withdrawals: a few free withdrawals per month depending on the plan, then approximately €2 per withdrawal
• Additional Penta bank card: included in Comfort and Premium plans, charged in the Starter plan
• SEPA direct debit (mandate): generally included in transaction quotas

It is important to note that since the acquisition by Qonto, the fee schedule has been progressively aligned with Qonto's. New customers are now directed to Qonto plans (Basic, Smart, Premium, Essential, Business, Enterprise), which incorporate and expand upon Penta's historical features. Existing Penta customers benefited from favorable migration terms, with a transition period during which their pricing was maintained. For current pricing and applicable terms, it is recommended to check the getpenta.com website or contact Penta by phone via the app for a personalized quote.

In terms of price positioning, Penta was in the lower-middle range of the German business account market. For a Penta account opening, there were no opening fees or minimum deposit requirements (aside from the mandatory share capital for forming a GmbH), making it particularly attractive for entrepreneurs in the launch phase. The absence of hidden fees and pricing transparency were regularly praised in customer reviews, contrasting with the practices of some traditional banks that multiply hard-to-understand billing line items.

3. Penta Features: A Complete Digital Ecosystem for Professionals

Penta's features are one of its main assets. Designed as an all-in-one financial management solution for businesses, the platform goes well beyond a simple bank account. Here is a comprehensive overview of the available features, which explain why so many professionals seek to download the Penta app and open an account.

100% Online Account Opening

One of Penta's founding selling points is the ability to open a Penta business account entirely online, with no branch appointment and no paper document mailing. The identification process (KYC — Know Your Customer) is fully digitalized thanks to the partnership with Solarisbank and the BizKYC service, which automatically verifies the identity of directors and company compliance through commercial registries. To learn how to open a Penta account, simply visit getpenta.com, fill out the online form, provide the required documents (ID, commercial register extract, articles of association), and complete the video identity verification. The account is generally operational within 48 hours — a record time compared to the 2 to 4 weeks needed at a traditional German bank.

German IBAN and Banking Details

Each Penta account comes with a German Penta IBAN (DE format), provided by Solarisbank. This IBAN allows receiving and sending SEPA transfers throughout the eurozone at no extra cost. The Penta bank details and Penta BIC SWIFT are accessible directly from the app and can be easily shared with clients and suppliers. For French businesses wondering whether Penta offers a French IBAN, the answer is no: the IBAN is systematically German. However, since the migration to Qonto, customers can access local IBANs in other European countries depending on their market of operation. To modify Penta bank details, you need to go through customer support via the app.

Professional Visa Debit Cards

Penta offers physical and virtual Visa debit cards designed specifically for business use. The Penta bank card allows in-store and online payments, as well as ATM withdrawals worldwide. Key features include:

• Penta withdrawal limit: configurable by the account administrator, with adjustable default limits via the app
• Penta payment limit: also customizable, allowing daily, weekly, and monthly limits per card
• Penta free card: the first physical card is included in all plans; virtual cards are available instantly
• Contactless payments (NFC) for low-value transactions
• Real-time push notifications for each card use
• Instant freeze and unfreeze of the card from the app

To increase Penta limits, simply go to the card settings in the app and adjust the desired limits. This flexibility is particularly appreciated by managers who want to control team spending while giving them sufficient autonomy. In case of a lost Penta card or stolen Penta card, the Penta card blocking procedure is immediate via the app: a single tap suffices to deactivate the card and prevent any fraudulent use. To report a lost card, the customer can also contact support via the in-app chat. The card opposition phone procedure also goes through the app, with customer service reachable via chat to guide the customer through the opposition and replacement process.

Complete Mobile App

The Penta mobile app is the heart of the user experience. Available on iOS (App Store) and Android (Google Play), it allows managing the entire business account from a smartphone. Key app features include:

• Real-time balance and transaction history viewing
• Sending SEPA and international transfers
• Card management (activation, blocking, limit modification)
• Scanning and storing receipts (invoices, bills)
• Automatic expense categorization by type (travel, supplies, services, etc.)
• Access to the complete Penta customer area with financial dashboards
• Contact customer service via integrated chat
• Sub-account and budget management
• Data export to accounting software

To download the Penta app, go to the App Store or Google Play Store and search for "Penta" or "Qonto." The app is free and requires no additional subscription beyond the chosen plan. The Penta customer area is also accessible via a web browser at app.getpenta.com, offering a full desktop interface for operations that require a larger screen.

Penta Apple Pay and Penta Google Pay

Penta users could add their Visa card to Apple Pay and Google Pay for contactless mobile payments. This feature, which has become essential for many professionals, allows paying in stores, transit, and online without having to take out the physical card. Activation is simple: open the Wallet app (Apple) or Google Pay (Android) and follow the instructions to add the Penta card.

Transfers and Transactions

Penta instant transfer was not natively available in the early versions of Penta, with standard SEPA transfers processed within 1 to 2 business days. The Penta transfer time depended on the transaction type: internal SEPA transfers (between Penta/Solarisbank accounts) were near-instant, while transfers to external banks followed the standard SEPA timeline. Since integration with Qonto, SEPA instant transfer is available for eligible customers, with processing in seconds. Penta international transfer outside the SEPA zone was offered through specialized partners, with fees and timelines varying by currency and destination country.

Penta no foreign fees and Penta free withdrawals

Regarding foreign fees, Penta applied competitive conditions. Card payments within the eurozone carried no additional charges. Outside the eurozone, a currency conversion fee applied, with the amount varying by plan. Free Penta withdrawals were limited to a certain number of monthly withdrawals (generally 2 to 5 depending on the plan), beyond which withdrawal fees applied. For businesses operating internationally, this pricing policy remained advantageous compared to traditional German banks, which often charge high commissions on foreign currency transactions.

Accounting Integrations and Productivity Tools

One of Penta's major differentiators was its ecosystem of integrations with the most popular accounting and management software in Germany. Native connections included:

• DATEV: the German accounting standard, used by the majority of tax advisors
• Lexoffice: online accounting solution for freelancers and small businesses
• sevDesk: invoicing and accounting management software
• FastBill: invoicing and expense tracking tool
• Debitoor (now SumUp Invoices): simple invoicing software

These integrations enabled automatic synchronization of banking transactions with accounting software, eliminating manual entry and significantly reducing the risk of errors. For businesses using natively unsupported tools, Penta offered CSV exports and open APIs for developing custom connections.

4. Penta Additional Services: Beyond Simple Banking

Penta didn't stop at offering a bank account and a card. The neobank had developed an ecosystem of additional services aimed at simplifying the administrative life of entrepreneurs. These services, often accessible through strategic partnerships, provided significant added value compared to a simple current account.

Business Formation Assistance

One of Penta's most distinctive services was its support for company formation in Germany. For foreign entrepreneurs looking to create a GmbH (German LLC) or UG (mini-GmbH), Penta offered comprehensive support, including help with administrative formalities, connections with notaries and legal advisors, and opening the bank account needed for share capital deposit. This service, charged at a reasonable rate, addressed a real need in the German market, where company formation for non-residents can be particularly complex.

Loans and Financing

Through partnerships with specialized credit institutions, Penta enabled its customers to access financing solutions directly from the app. Offerings included short-term business loans, credit lines, and factoring solutions. Analysis of financial flows passing through the Penta account allowed for personalized offers with faster decision processes compared to traditional banking channels.

Cash Flow Forecasting

The cash flow forecast feature, available in the Premium plan, was a valuable management tool for business owners. By analyzing transaction history and recurring movements (rent, salaries, subscriptions), Penta's algorithm projected future flows and alerted the customer to potential cash flow risks or shortfalls. This feature, rare among neobanks, brought Penta closer to high-end corporate financial management solutions.

Penta referral program and Penta welcome offer

Penta regularly offered referral programs allowing existing customers to recommend the neobank to other professionals and receive a bonus for each referred sign-up. Amounts varied by promotional period, generally ranging from €50 to €150 per successful referral. Welcome offers were also available to new customers, in the form of free months or credits on transaction fees. These acquisition mechanisms, standard in the neobank industry, reflected Penta's confidence in the quality of its product: customer acquisition cost through referrals is generally lower than traditional advertising, as it relies on personal recommendation.

Penta cashback

Some Penta promotional offers included a cashback program on purchases made with the professional Visa card. The cashback, generally 0.5% to 1% on eligible transactions, was credited directly to the customer's account. While individual amounts might seem modest, the cumulative total over a year could represent significant savings for businesses making a large volume of card payments.

Insurance and Coverage Services

Through partnerships with specialized insurers, Penta offered customers the ability to subscribe to professional insurance directly from the platform: professional liability, cyber risk insurance, legal protection for entrepreneurs, etc. This integration of third-party offerings into the banking ecosystem reflected the "super-app" trend in finance, where the bank account becomes the gateway to a range of complementary services.

To access all these additional services or for detailed information, customers could contact Penta by phone via the app — that is, by using the chat or integrated contact form. The Penta online chat was particularly responsive for questions related to partner services.

5. Security at Penta: Maximum Protection for Your Funds and Data

The question of Penta account security is naturally at the heart of concerns for professionals entrusting their funds to a neobank. Penta, thanks to its partnership with Solarisbank, benefited from a first-rate regulatory and security framework. Here is a comprehensive overview of the security measures in place to protect customers.

Regulation and Deposit Guarantee

Solarisbank, the partner bank hosting Penta accounts, holds a full banking license issued by BaFin, Germany's financial supervisory authority, and is subject to supervision by the European Central Bank (ECB). This means that Penta customers' deposits were protected by the German deposit guarantee scheme, up to €100,000 per depositor per institution, in accordance with European Directive 2014/49/EU. This protection, identical to that offered by any traditional European bank, guaranteed customers that their funds were safe even in the event of institutional failure.

Penta two-factor authentication

In compliance with the European Payment Services Directive (PSD2), Penta had implemented Strong Customer Authentication (SCA) for all sensitive operations. Penta two-factor authentication relied on two of the following factors:

• Something the customer knows: password, PIN code
• Something the customer possesses: smartphone with the Penta app installed
• Something the customer is: fingerprint or facial recognition (biometrics)

In practice, every login and every transaction required validation via at least two of these factors. Large transfers, sensitive setting changes, and beneficiary additions systematically triggered additional verification via push notification or SMS code. In case of a forgotten Penta PIN code, a secure reset procedure was available through the app, including identity verification to prevent impersonation.

Encryption and Data Protection

All communications between the Penta app and servers were encrypted using TLS 1.2 or higher, preventing any data interception in transit. Sensitive data stored on servers (card numbers, identity information, banking details) was encrypted at rest according to the highest industry standards (AES-256). Penta was GDPR-compliant and applied a strict data minimization policy: only information strictly necessary for the service's operation was collected and retained.

Transaction Monitoring and Fraud Prevention

Penta had a real-time transaction monitoring system using artificial intelligence algorithms to detect suspicious behavior. Any unusual transaction (abnormally high amount, payment in a high-risk country, simultaneous use in two distant geographic locations) triggered an alert and could result in a preventive card block, requiring cardholder confirmation. This anti-fraud system, combined with the ability to instantly freeze the card from the app in case of a stolen Penta card or lost Penta card, offered a level of protection superior to many traditional banks.

Regulatory Compliance (KYC/AML)

In terms of anti-money laundering (AML) and Know Your Customer (KYC) compliance, Penta applied rigorous procedures. Every customer had to provide verified identity documents, and legal entities underwent comprehensive verification including identification of Ultimate Beneficial Owners (UBOs). Solarisbank's BizKYC system automated much of these checks by connecting directly to European commercial registries, but complementary manual verifications were conducted for complex cases.

For any questions regarding your account security, it is recommended to contact Penta by phone via the app — that is, to use the secure chat or contact form. In case of emergency (suspected fraud, card theft, unauthorized access), the Penta online chat has a priority channel for accelerated request processing. The Penta card blocking procedure is available 24/7 directly in the app, without needing to contact customer service.

6. Penta Customer Service: How to Reach an Advisor

Penta customer service phone is probably the topic that generates the most questions among current and potential users. Like most neobanks, Penta's support model differs radically from that of traditional banks. Here is a complete guide to understanding how to reach Penta by phone, call Penta customer service, and get the help you need.

The Digital-First Support Model

Penta adopted a "digital-first" customer support model from its launch, meaning the first point of contact is not a classic Penta phone number, but a set of digital channels integrated into the app and website. This approach, shared by the vast majority of neobanks (N26, Revolut, Qonto, Monzo), relies on several advantages:

• Complete traceability of every interaction (consultable history at any time)
• Measurable and optimizable response times
• Ability to share documents (screenshots, receipts) directly in the conversation
• Extended availability (chat hours are often broader than a phone hotline)
• Reduced operational costs, allowing for competitive pricing

Available Contact Channels

Here are all the ways to contact Penta:

1. Online chat via the mobile app (main channel)

The Penta online chat integrated into the app is the preferred channel for all requests. Accessible from the "Support" or "Help" menu in the app, it allows real-time conversation with an advisor. Response times vary by volume but are generally between a few minutes and a few hours for standard requests. This is the channel through which you can effectively speak to a Penta advisor and receive personalized assistance. For Premium customers, the chat has priority access guaranteeing reduced response times.

2. Online chat via the getpenta.com website

A chat widget is also available on Penta's website, accessible without being logged into the app. This channel is primarily used for pre-account-opening inquiries (plan information, eligibility, available features).

3. Email

The Penta contact email is accessible via the contact form on getpenta.com or by writing directly to the support address indicated in the website's "Contact" section. Emails are generally handled within 24 to 48 hours. This channel is suited for non-urgent requests, formal complaints, or sending voluminous documents.

4. Help Center (FAQ/knowledge base)

Penta has a comprehensive help center hosted on getpenta.freshdesk.com, with hundreds of articles covering the most common questions: account opening, card management, transfers, accounting integrations, security, etc. Before contacting Penta by phone or chat, it's often wise to consult this knowledge base, which may provide an immediate answer to your question.

5. Social media

Penta is present on LinkedIn, Twitter/X, and Facebook, where communication teams occasionally respond to user questions. However, social media is not an official support channel and should not be used for requests involving sensitive data (account numbers, personal information).

Customer Service Hours

Penta customer service opening hours are generally as follows (subject to change):

• Online chat: Monday to Friday, 9:00 AM to 6:00 PM (Berlin time, CET/CEST)
• Email: processed Monday to Friday, response within 24 to 48 hours
• Help center: accessible 24/7
• Emergency card blocking: available 24/7 via the app

Regarding the Penta phone number, let's be clear: there is no free Penta number or non-premium-rate Penta number to dial directly. Searches for "tel Penta," "Penta tel," "Penta phone number" or "phone number Penta" will not lead to a classic phone line. To reach a Penta advisor by phone, the procedure is to request a callback via the in-app chat (available for Premium customers) or schedule a phone appointment with a dedicated account manager. The Penta phone number is therefore not a public number, but an on-demand callback service.

Users searching for the Penta emergency number should know that emergencies (fraud, card theft, unauthorized transactions) are handled as a priority via the in-app chat. The Penta emergency tel all refer to the same mechanism: contact support via the app for priority handling. A dedicated toll-free Penta emergency number does not exist.

Similarly, for searches related to professional support such as "Penta pro phone," "Penta pro number," or "tel Penta pro," the answer is the same: professional support goes through digital channels, with a priority and service level adapted to the subscribed plan.

Penta Complaints Service

In case of a dispute or dissatisfaction, the Penta complaints service is accessible via the dedicated form in the app or on the website. Complaints are handled by a specialized team within a maximum of 15 business days, in accordance with European regulations. If the response is unsatisfactory, the customer may refer the matter to the competent banking ombudsman (Ombudsman of German Private Banks).

As for the question "nearest Penta branch," the answer is simple: as a 100% digital neobank, Penta has no physical branches. All operations are done online, and all customer support is provided remotely. To call Penta customer service or call Penta, the most effective method remains the chat via the mobile app.

To summarize the various ways to contact Penta:

• Penta phone contact / contact Penta phone / phone contact Penta: via callback request in the app (Premium customers)
• Penta customer service tel / tel Penta customer service: via the integrated chat in the app
• Penta customer service phone: via digital support (chat, email, form)
• Reach Penta advisor / contact Penta advisor: via in-app chat or phone appointment
• Call Penta customer service: via the callback feature in the app
• Speak to a real Penta advisor: via online chat with human advisors (not just a chatbot)
• Call Penta: via the digital channels described above
• Penta phone number / free Penta number: not available as a classic phone line

7. Penta Customer Reviews: What Users Say

Penta customer reviews are a valuable indicator of the service's actual quality. On Trustpilot, the dedicated page for getpenta.com collects more than 880 reviews, with an average rating of approximately 3.0/5 as of March 2026. This score, which may seem average, needs to be contextualized: neobanks are subject to polarized reviews, with satisfied customers less likely to speak up than dissatisfied ones. Let's analyze the main themes that emerge from the reviews.

Recurring Positive Points in Reviews

• Speed of account opening: many customers praise the ability to open an account in 48 hours, whereas traditional German banks often take several weeks. One user testifies: "Penta opened my account within 48 hours, exactly as stated on their website."
• Intuitive user interface: the mobile app is regularly described as clear, simple, and well-designed, even for non-tech-savvy users.
• Responsive customer service: several reviews highlight the quality and speed of chat support, particularly for higher-tier plan customers. "My contact with the customer support was fast and efficient, and they kept me up to date on my case, which is very rare for any kind of banking product nowadays, especially in Germany."
• Suitability for business founders: the ability to open an account for a GmbH in formation (GmbH i.G.) is a major asset praised by entrepreneurs.
• Accounting integrations: native connection with DATEV and German accounting software is highly appreciated by accountants and tax advisors managing their clients' accounts.

Recurring Negative Points in Reviews

• Account blocks and KYC verifications: some customers report unexpected account blocks related to compliance procedures (KYC/AML), with resolution delays sometimes deemed too long. This problem, common to all neobanks using Banking-as-a-Service, is linked to strict regulatory requirements imposed by BaFin.
• Transition to Qonto: the migration of Penta accounts to Qonto generated confusion and dissatisfaction among some customers, who had to adapt to a new interface and new conditions.
• Limitations for cash operations: Penta not being designed for businesses handling large amounts of cash, deposit and withdrawal possibilities for cash are limited.
• Lack of direct phone support: the inability to contact Penta by phone via a classic number is a source of frustration for some customers accustomed to traditional banking support.
• Account opening process for non-residents: some foreign customers report difficulties in the identity verification process, with requests for additional documents and extended timelines.

Reviews on Specialized Platforms

Beyond Trustpilot, Penta collects reviews on several reference platforms:

• Neobanks.app: rating of 3.0/5 based on over 1,067 reviews, confirming the average customer satisfaction positioning
• App Store and Google Play: the Penta app generally received ratings between 3.5 and 4.0, with reviews highlighting ease of use and regular improvements
• Traders Union: the evaluation of getpenta.com takes into account domain stability, user reviews, and web popularity, with a generally favorable verdict on the service's legitimacy and security

In summary, Penta customer reviews paint the portrait of a neobank that performs well in its core business (fast account opening, modern interface, accounting integrations) but has room for improvement in certain operational aspects (KYC compliance, phone support, cash handling). The transition to Qonto, while disruptive for some customers in the short term, promises an enriched service in the long run through the resources and expertise of a leading European player. To leave a review or check the latest feedback, customers can visit Trustpilot or their smartphone's App Store.

8. Comparison of Penta with Three Competitors: Qonto, N26 Business, and Kontist

To help professionals make an informed choice, let's compare Penta with three major competitors in the German digital business banking market: Qonto (now Penta's parent company), N26 Business, and Kontist. This comparison focuses on the most decisive criteria for an entrepreneur.

8.1. Penta vs Qonto: The Merger of Two Champions

The comparison between Penta and Qonto has become somewhat theoretical since the 2022 acquisition, as the two entities are progressively merging their offerings. Nevertheless, it's instructive to understand the historical differences that led to this union.

• Origin and market: Penta was the German champion (founded in Berlin in 2017), while Qonto is the French leader (founded in Paris in 2016). The acquisition made Qonto number one in Germany.
• Pricing: the fee schedules were comparable, with entry-level plans around €9 at both Penta and Qonto. Premium plans reached €49 at Penta and go up to €299 at Qonto for enterprise plans.
• Features: Qonto had an advantage in expense report management and integrated invoicing, while Penta excelled in integrations with the German accounting ecosystem (DATEV in particular).
• Customer service: both neobanks favored digital support, with a historical advantage for Qonto in chat responsiveness (claimed average response time under 15 minutes).
• Geographic coverage: Qonto operated in 4 countries (France, Germany, Italy, Spain), while Penta was focused on Germany. The merger naturally extended coverage.
• IBAN: Penta offered only a German IBAN; Qonto offers local IBANs in each market where it operates.

Since the merger, the strengths of both platforms have been combined: customers now benefit from the Qonto interface, enriched with Penta's German integrations, with customer support reinforced by merged teams. It's a win-win situation that positions the Qonto-Penta entity as the European leader in digital business banking.

8.2. Penta vs N26 Business: Generalist Neobank vs SME Specialist

N26, another Berlin-based neobank founded in 2013, offers a Business plan aimed at freelancers and self-employed entrepreneurs. The comparison with Penta is illuminating regarding the different approaches.

• Target: N26 Business primarily targets individual freelancers and self-employed entrepreneurs, while Penta addressed a broader spectrum including GmbHs, UGs, and structured SMEs with multiple team members.
• Pricing: N26 Business offers a free plan (N26 Business Standard) with basic features, and paid plans up to €16.90 per month. Penta started at €9 with no free option.
• Team cards: Penta allowed distributing up to 25 cards to team members with configurable permissions; N26 Business is limited to a single account holder.
• Accounting integrations: Penta had a significant advantage with its DATEV, Lexoffice, and sevDesk connections, while N26 Business offers more limited integrations.
• Cashback: N26 Business offers 0.1% to 0.5% cashback on card payments depending on the plan, comparable to Penta's offering.
• Insurance coverage: N26 Business includes travel insurance and purchase protection in its paid plans, an advantage over Penta, which offered these services through third-party partners.
• Support: both neobanks favor digital support, with an advantage for Penta for businesses requiring a dedicated account manager (Premium plan).

In conclusion, N26 Business is an attractive option for individual freelancers seeking a simple and potentially free solution, while Penta (now Qonto) is better suited for structured SMEs needing advanced team management features and professional accounting integrations.

8.3. Penta vs Kontist: Two Visions of the Freelance Account

Kontist, also based in Berlin and a Solarisbank partner like Penta, specialized in bank accounts for freelancers and self-employed workers in Germany. Acquired by French fintech Shine (itself a subsidiary of Société Générale), Kontist presents interesting similarities and differences with Penta.

• Specialization: Kontist focuses exclusively on freelancers and small independents, with a flagship real-time tax estimation feature. Penta targeted a broader audience including companies (GmbH, UG).
• Tax estimation: Kontist's standout feature is its automatic tax estimation (VAT, income tax, business tax), which automatically sets aside the necessary amounts. Penta did not offer this feature natively.
• Pricing: Kontist offers a free plan (Kontist Free) with limited features, a Premium plan at €12/month, and accounting services at €149/month. Penta started at €9 with richer features from the first plan.
• Account types: Kontist has recently expanded to GmbHs, UGs, and GbRs, but its core business remains individual freelancers. Penta natively managed all German legal structures.
• Partner bank: both used Solarisbank as banking infrastructure, offering the same level of security and deposit protection.
• Integrated accounting service: Kontist offers a complete accounting service via Kontist Steuerberatungsgesellschaft at €149/month, an offering without equivalent at Penta.

The choice between Penta (Qonto) and Kontist therefore depends primarily on your profile: if you're a freelancer in Germany and automated tax management is your priority, Kontist may be the better choice. If you run an SME or startup with a team and more complex financial management needs, Penta (now Qonto) will be more suitable. Both offer quality online banking, with different but complementary approaches.

Summary Comparison Table

• Entry price: Penta €9/month | Qonto €9/month | N26 Business €0 (free) | Kontist €0 (free, limited)
• IBAN: Penta DE | Qonto FR/DE/IT/ES | N26 DE | Kontist DE
• Team cards: Penta up to 25 | Qonto up to 25+ | N26 1 only | Kontist 1 only
• DATEV integration: Penta ✅ | Qonto ✅ | N26 ❌ | Kontist ✅
• Auto tax estimation: Penta ❌ | Qonto ❌ | N26 ❌ | Kontist ✅
• Phone support: Penta by appointment (Premium) | Qonto by appointment | N26 chat only | Kontist chat only
• Legal structures: Penta GmbH/UG/freelance | Qonto all | N26 freelance only | Kontist freelance + recently GmbH
• Deposit guarantee: Penta €100,000 (Solarisbank/BaFin) | Qonto €100,000 | N26 €100,000 (direct BaFin) | Kontist €100,000 (Solarisbank/BaFin)

9. Three Case Studies: Penta Serving Entrepreneurs

To illustrate concretely how Penta contributes to professionals' daily lives, here are three representative case studies of typical customer profiles. These examples, inspired by real testimonials and documented use cases, show how the neobank meets the specific needs of different categories of entrepreneurs.

Case Study #1: Anna, Freelance Web Developer in Berlin

Anna is a freelance web developer based in Berlin. Originally from Poland, she moved to Germany three years ago and registered her activity as a Freiberuflerin (liberal profession). Before discovering Penta, Anna used a personal account at a traditional bank for her business transactions — a common but problematic practice for accounting and tax management.

Anna's challenges before Penta:

• Mixing personal and business transactions, making accounting laborious
• Long transfer delays for receiving payments from international clients
• No integration with her accounting software (Lexoffice)
• Difficulty obtaining a business account as a non-German national

Anna discovered Penta through a colleague's recommendation at a Berlin tech meetup. She decided to try the Starter plan at €9/month. The Penta account opening was entirely online: Anna provided her Polish ID, German tax identification number (Steuernummer), and completed the video identity verification from her apartment. The account was operational in 36 hours.

Benefits for Anna:

• Clear separation of personal and business finances thanks to the dedicated account
• Automatic connection with Lexoffice: every transaction is categorized and synced in real time
• Professional Visa card for business-related expenses (software, equipment, coworking)
• Instant notifications upon each client payment received
• Monthly CSV export for her accountant, reducing tax return preparation time from 3 hours to 15 minutes

As a Penta self-employed user (German freelance status), Anna particularly appreciates the simplicity of the interface and the responsiveness of support. When she encountered a transaction categorization issue, she used the Penta online chat via the app and received a response in less than 10 minutes. For Anna, Penta transformed the administrative management of her business, allowing her to dedicate more time to her clients and development projects.

Case Study #2: Markus and Thomas, Co-Founders of a SaaS Startup in Munich

Markus and Thomas are co-founders of CloudMetrics, a SaaS (Software as a Service) startup specializing in data analytics for SMEs. Based in Munich, they formed their GmbH in 2020 and employed a team of 12 people at the time of their Penta enrollment. Their main need: a business bank account enabling centralized team expense management, perfectly integrated with their DATEV accounting software managed by their tax advisor.

CloudMetrics' challenges before Penta:

• Tedious and time-consuming expense report reimbursement process
• Lack of real-time visibility on team spending
• Traditional business account at Commerzbank with high fees and an outdated web interface
• Impossible to set up individual cards with customized limits for each team member

CloudMetrics opted for Penta's Premium plan at €49/month, which offered multi-card management, DATEV integration, and a dedicated account manager. The migration from Commerzbank to Penta went smoothly: recurring transfers (salaries, office rent, SaaS subscriptions) were reprogrammed in Penta, and the Penta bank details were communicated to clients for updating their records.

Benefits for CloudMetrics:

• 12 Visa cards distributed to team members, with customized payment limits by role (developers: €500/month for SaaS subscriptions; sales: €1,500/month for travel and client meals)
• Automatic synchronization with DATEV: the tax advisor accesses transactions in real time, eliminating manual statement submissions
• Sub-accounts per project to track profitability of each business line
• Cash flow forecasting to anticipate financing needs before tight periods (end-of-month salary payments)
• Savings of €350 per month in banking fees compared to Commerzbank (business account, additional cards, transfer fees)

When CloudMetrics raised a €2 million funding round from investors, the dedicated Penta account manager supported them in managing the incoming funds and setting up transfers to various service providers. Markus notes: "Being able to speak to a dedicated Penta advisor who knows our file makes all the difference compared to the anonymous banking services of large banks." To contact their account manager, they use the callback feature via the app, which corresponds to the Penta phone contact available for Premium customers.

Case Study #3: Sophie, Founder of a Sustainable Fashion E-Commerce in Hamburg

Sophie founded GreenThread, an online boutique for ethical and sustainable fashion, structured as a UG (Unternehmergesellschaft). Her business involves international suppliers (Portugal, India, Turkey), online sales via Shopify, and inventory management requiring regular investments. Sophie is a Penta micro-entrepreneur (in the broader sense of a small business owner) who needs a business account adapted to her international operations.

GreenThread's challenges before Penta:

• High international transfer fees at her traditional bank (Deutsche Bank) for paying suppliers outside the SEPA zone
• 3 to 5 day delays for international transfers, delaying supplier orders
• No expense tracking tool by category (raw materials, logistics, marketing)
• No dedicated business card, using her personal card for business purchases

Sophie chose the Comfort plan at €19/month, which offered a good balance between features and cost for a growing business. Opening the UG account at Penta took three days, including verification of the company's articles of association and Sophie's identification as the sole managing director.

Benefits for GreenThread:

• Professional German IBAN strengthening credibility with partners and clients
• Facilitated Penta international transfer for supplier payments, with transparent fees and reduced timelines
• Professional Visa card for supply purchases, subscriptions (Shopify, Mailchimp, Facebook ads), and business travel
• Automatic expense categorization enabling margin tracking by product line
• Connection with sevDesk for automated invoicing of customer orders
• Penta no foreign fees for payments in the eurozone, reducing costs on purchases from her Portuguese supplier

When Sophie needed to oppose her card after a suspicious online purchase, she immediately used the Penta card blocking feature in the app. The card was frozen with one tap, and she contacted support via chat to report the fraudulent transaction. The refund was processed within 5 business days. Sophie testifies: "The responsiveness of customer service via chat impressed me. I didn't need to search for a Penta phone number or wait on hold for hours like with my traditional bank. Everything was resolved in a few messages in the app."

These three case studies illustrate Penta's versatility and its ability to adapt to the needs of very different profiles: individual freelancer, growing startup, and international e-commerce merchant. In each case, the neobank's key advantages — fast account opening, accounting integrations, card management, responsive digital support — delivered tangible value to the entrepreneurs.

10. Expansion and Outlook: The Future of Penta in the Qonto Ecosystem

Penta's acquisition by Qonto in 2022 opened a new chapter in the German neobank's history. The growth prospects are promising, both for existing customers and future users. Let's analyze the major trends and strategic directions shaping the future of Penta within the Qonto ecosystem.

Migration to Qonto: An Ongoing Process

Since the acquisition, Qonto has undertaken the gradual migration of Penta customers to its own platform. This process, managed carefully to minimize disruption, includes several stages:

• Personalized communication to Penta customers informing them of the transition
• Availability of a detailed migration guide
• A transition period during which both platforms coexist
• Transfer of data and transaction history to Qonto
• Assignment of new credentials and access to the Qonto app
• Enhanced customer support accompaniment during the transition period

For customers experiencing difficulties during this migration, support is accessible via the app (chat and email). Migration-related requests are handled as a priority, and teams are trained to guide customers through each step of the process. It's in this context that many customers seek to contact Penta by phone via the app for personalized assistance.

Qonto's European Ambition

Qonto has clearly stated its ambition to become the European leader in financial management for SMEs and independent professionals. With the integration of Penta, the company now has a solid presence in France, Germany, Italy, and Spain — the four largest SME markets in Europe. The objective announced by Alexandre Prot, Qonto's CEO, is to reach one million customers by 2025, a symbolic milestone that would mark Qonto's entry into the very exclusive club of European super-platforms.

Identified growth drivers include:

• Geographic expansion: opening new European markets (Netherlands, Belgium, Austria, Portugal are regularly mentioned)
• Offer enrichment: adding value-added services (credit, insurance, payroll management, advanced invoicing)
• Moving upmarket: developing offerings for mid-cap companies (ETIs), beyond traditional SMEs
• Strategic partnerships: agreements with accounting software, e-commerce platforms, and business service providers

Evolution of the German Market

Germany remains Europe's largest SME market, with over 3.5 million small and medium-sized enterprises and approximately 1.4 million registered freelancers. This market, long dominated by Sparkassen (savings banks) and Volksbanken (cooperative banks), is undergoing a digital transformation. German businesses, known for their attachment to traditional methods ("Bargeld" or cash remains culturally important), are progressively adopting digital banking solutions.

This transformation is accelerated by several factors:

• The COVID-19 pandemic forced the digitalization of many financial interactions
• New generations of entrepreneurs, digital natives, expect the same experience from their bank as from their daily apps
• European regulation (PSD2, open banking) favors the emergence of innovative new players
• Traditional German banks, weakened by prolonged low interest rates and aging IT systems, struggle to innovate

In this context, Penta's former positioning as the German champion of digital business banking, reinforced by Qonto's resources, constitutes a major competitive advantage. Integrations with the German accounting ecosystem (DATEV in particular), understanding of local regulatory specificities (GmbH, UG, Gewerbe), and the presence of German-speaking teams are all assets that foreign competitors would find difficult to replicate quickly.

Technology Trends to Watch

Several technological innovations are expected to transform the professional banking experience in the coming years, and Penta/Qonto is well-positioned to integrate them:

• Artificial intelligence and automation: intelligent transaction categorization, improved cash flow prediction, advanced fraud detection, virtual assistant for customer support
• Open banking and open APIs: interconnection with a growing number of third-party services (financing, insurance, payroll management, CRM), creating a true ecosystem around the bank account
• Instant payments: generalization of SEPA instant transfer (SCT Inst) and potentially a digital euro, which could revolutionize SME cash flows
• Embedded finance: integration of financial services directly into business tools (accounting, ERP, e-commerce), making the bank account invisible yet omnipresent
• Sustainability and ESG: carbon footprint measurement tools for transactions, automated ESG reporting, green financing for businesses committed in the ecological transition

What Penta Customers Can Expect

For current and future customers, here's what the future holds within the Qonto ecosystem:

• A unified platform combining the best features of Penta and Qonto
• Optimized pricing thanks to economies of scale achieved by the group
• Strengthened customer service, with larger and better-trained teams
• New features regularly deployed (Qonto launches on average one product novelty every two weeks)
• Expanded geographic coverage, facilitating cross-border operations for European SMEs
• Enriched partnerships with local players in each market

To close a Penta account and migrate to Qonto, or for any questions related to the transition, customers are invited to contact Penta by phone via the app (chat or callback request). The transition team provides personalized support to ensure the change is seamless, with no service interruption or data loss.

FAQ: Frequently Asked Questions About Penta

Here are answers to the most frequently asked questions by Penta users and prospects. This FAQ covers essential topics related to contact, cards, banking operations, and daily account management.

How do I contact Penta customer service by phone?

Penta does not have a free Penta number or a classic phone line. To contact Penta by phone, you must go through the mobile app. The Penta online chat integrated into the app connects you directly with a human advisor. Premium plan customers can request a callback via the app. This is the only way to have a voice conversation with customer service. The non-premium-rate Penta number that some websites display actually corresponds to the company's switchboard number, which does not handle individual customer requests.

What should I do if my Penta card is lost or stolen?

In case of a lost Penta card or stolen Penta card, immediately open the app and proceed with Penta card blocking in one tap. Then report the situation via chat to initiate the lost card opposition procedure. A replacement card will be shipped within the following days. In the meantime, you can continue using a virtual card if you've created one in your account. The card opposition phone procedure is therefore done exclusively via the app — there is no dedicated opposition number as with traditional banks.

How do I modify my bank details or contact information?

To modify Penta bank details, you must contact support via the in-app chat. Changes to banking details (company name change, legal information update) require supporting documents that will be verified by the compliance team. Your Penta bank details and Penta BIC SWIFT are viewable at any time in the "Account Settings" section of the app or web portal.

Does Penta offer instant transfers?

Penta instant transfer became available as part of the integration with Qonto. SEPA instant transfers (SCT Inst) are processed in seconds, 24/7. The Penta transfer time for a standard SEPA transfer remains 1 to 2 business days. International transfers outside the SEPA zone can take 2 to 5 business days depending on the destination country and currency.

I forgot my PIN code, what should I do?

If you've forgotten your Penta PIN code, go to your card settings in the app. You'll find an option to view your PIN or request a reset. This operation requires strong authentication (biometrics or password) for security reasons. If you're unable to resolve the issue, contact support via chat for assistance.

Is Penta suitable for self-employed and micro-entrepreneurs?

Yes, Penta is perfectly suited for self-employed workers and freelancers. The Starter plan at €9/month offers all the essential features a Penta self-employed user or Penta micro-entrepreneur needs: professional IBAN, Visa card, transaction tracking, accounting integrations. For freelancers in Germany, Penta allows opening a separate business account from a personal account, which is highly recommended for accounting and tax clarity.

Can I use Penta with Apple Pay or Google Pay?

Yes, Penta Apple Pay and Penta Google Pay are available. You can add your Penta Visa card to your Apple or Google wallet and make contactless payments with your smartphone or smartwatch. Activation takes just a few seconds from the Wallet app or Google Pay.

Conclusion: Why Choose Penta (Qonto) for Your Business

At the end of this comprehensive guide, it's clear that Penta, now integrated into the Qonto group, is one of the most complete and modern banking solutions for professionals operating in Germany and Europe. Whether you're a Penta self-employed user, a Penta micro-entrepreneur, or the manager of a growing SME, the platform offers a set of features — fast account opening, configurable professional cards, native accounting integrations, cash flow forecasting, responsive digital customer support — that meet the concrete needs of modern businesses.

The fact that Penta is an online bank without physical branches implies a different customer relationship model from traditional banks. The Penta phone number does not exist as a direct phone line; to contact Penta by phone, to call Penta customer service, or to reach Penta by phone, the process always goes through the mobile app. This model, while potentially unsettling for newcomers, offers superior responsiveness and traceability compared to traditional phone support.

Penta account security is guaranteed by the partnership with Solarisbank (BaFin license, €100,000 deposit guarantee), Penta two-factor authentication compliant with PSD2, and state-of-the-art transaction monitoring systems. Penta customer reviews, while mixed on certain aspects (KYC compliance, transition to Qonto), are generally positive regarding product quality and value delivered to entrepreneurs.

To learn how to open a Penta account, visit getpenta.com or download the Qonto app. Opening is free, fast, and entirely digital. If you have questions before getting started, the Penta online chat is available to guide you in choosing the right plan and accompany you through the first steps of your digital banking journey.

By choosing Penta (Qonto), you join a rapidly expanding ecosystem, backed by a company valued at several billion euros that invests heavily in innovation and customer satisfaction. The future of business banking is digital, and Penta was one of the pioneers of this revolution in Germany. Its integration into Qonto only strengthens this promise of excellence in service to European entrepreneurs.

Sources: Qonto Blog (qonto.com), Reuters, Sifted.eu, TechCrunch, Edgar Dunn & Company, Financial IT, FinTech Futures, ABN AMRO Press Release, Marqeta Blog, Trustpilot (getpenta.com), Settle in Berlin, Neobanks.app, Traders Union, Kontist.com, Solarisbank Blog. Information verified in April 2026. Pricing and features are subject to change — check getpenta.com or qonto.com for current terms.

Customer support and contact channels for Penta

When searching for Penta's contact details, the fastest way is usually to visit their official website or check the mobile app. Whether the request concerns account access, card management, transfers, fees, security settings or a complaint, the support team can guide you through the process.

Many users search for terms such as phone number, customer service, direct contact, advisor number, card opposition, transfer delay, mobile app support or account security. This page centralizes the key expressions associated with Penta.

Contact information

Services offered by Penta

• Current account
• Bank card
• Transfer
• Direct debit
• Savings
• Credit
• Insurance
• Customer service
• Mobile app
• Budget management
• Notifications
• Technical support

How to contact Penta by phone

Tips for contacting Penta

Security and data protection at Penta

The security of your personal and financial data is a top priority for Penta.

Enhanced authentication: Penta uses two-factor authentication (2FA).

Data encryption: All communications are encrypted with SSL/TLS 256-bit.

Regulatory compliance: Penta complies with applicable regulations.

24/7 monitoring: Fraud detection systems operate continuously.

Why choose Penta?

• ✓ Intuitive and comprehensive mobile app
• ✓ Quick 100% online account opening
• ✓ Transparent and competitive fees
• ✓ Responsive and professional customer service
• ✓ Real-time notifications
• ✓ Enhanced security with biometric authentication