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Penta

Full company profile

uuid0003igh

Namestring
Penta
Websiteurl
getpenta.com
Company typeenum
Private
Founded yearint
2016
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersBerlin, Germany
HQ citystring
Berlin
HQ countrystring
Germany
HQ regionstring
Europe
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
digital business banking, SME financial services, startup banking platform, business bank accounts, fintech banking solutions
Industry3 codes
1SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations)
CodeFSAGAAAIPrimaryYes
2Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P)
CodeFSAGAAAFPrimaryNo
3Digital Account Opening & Onboarding (eKYC, eSignature, Origination)
CodeFSAGAAABPrimaryNo
NAICS code2 codes
  • Commercial Banking52211
  • Depository Credit Intermediation5221
SIC code1 code
  • Functions Related To Depository Banking, Nec6099
Product category
Digital Business Banking
Social media profiles2 records
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Banking and Financial Services Revenue
TypeSubscription Recurring
Description

Penta operates as a fintech company providing business banking services. The Series B funding from banking institutions (ABN Amro, Volksbank, Raiffeisenbank) suggests potential revenue from banking-as-a-service, transaction fees, and financial service subscriptions.

thepaypers.com
Cost components5 values
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
GTM typeB2B
B2B
Offering typeServices
Services
Core offering1 text field

Penta is a digital business banking platform designed to help startups and small and medium-sized enterprises (SMEs) save time and money on banking. It provides online business bank accounts and related financial services targeted at the European market. The company operates as a fintech that partners with established banking institutions to deliver its offerings.

Differentiator
Functional benefit
Problem solved
Product and service1 record
1Digital Business Bank Platform
CategoryBusiness Banking
Description

A digital business banking platform that provides startups and SMEs with business bank accounts and related financial services aimed at saving them time and money on banking.

Scale indicator2 records

Each record includes

Type, Value, Description, Source

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1Qonto
TypeDirect peer
Description

Paris-headquartered digital business banking platform serving SMEs, freelancers, and startups across Europe with accounts, cards, invoicing, expense, and lending. Most direct competitor to Penta in scope, segment, and product depth, and visibly referenced throughout the Penta source material.

2Finom
TypeDirect peer
Description

Digital business banking platform serving SMEs and freelancers across Europe with accounts, cards, and invoicing. Direct competitor with overlapping DACH/EU target segment and similar product positioning to Penta.

3Tide
TypeDirect peer
Description

UK-based SME business banking and accounting platform targeting small businesses with accounts, invoicing, and expense tools. Closely analogous business model to Penta in a different primary geography; a like-for-like model comparison.

4Holvi
TypeDirect peer
Description

Finland-origin (now BBVA-owned) digital banking platform built for freelancers, SMEs, and self-employed. Serves a similar European small-business horizontal segment as Penta, including invoicing, accounts, and tax tooling.

5Anna Money
TypeEmerging player
Description

UK-based digital business banking challenger for SMEs, sole traders, and limited companies. Comparable segment and value proposition to Penta at a smaller scale; competes in adjacent European SMB banking.

6Starling Bank
TypeBroad incumbent
Description

UK challenger bank serving retail customers and SMEs with business accounts, lending, and payments. Operates a broader product portfolio than Penta but overlaps directly on SME business banking.

7Revolut Business
TypeBroad incumbent
Description

Business-banking arm of Revolut serving SMEs, freelancers, and large companies with accounts, multi-currency, cards, and expense management. Overlaps with Penta on European SME business banking under a broader consumer-led umbrella.

8N26 Business
TypeBroad incumbent
Description

Berlin-headquartered consumer neobank with a dedicated business-account tier for SMEs and freelancers across Europe. Competes with Penta in the German core market and broader European SME horizontal.

9Wise Business
TypeEmerging player
Description

Cross-border payments-led fintech with a business account product tailored to SMEs and freelancers handling multi-currency operations. Partial overlap with Penta on SME accounts and money movement rather than full-service banking.

10bunq
TypeBroad incumbent
Description

Netherlands-based European challenger bank serving retail and SME customers with accounts, cards, and business banking. Overlaps with Penta on European horizontal SME banking under a broader consumer umbrella.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key risks4 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles3 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds8 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors14 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Penta

Digital Business Bankinggetpenta.com

Penta firmographics

Firmographics
Name
Penta
Website
https://getpenta.com
Company type
Private
Founded year
2016
Operating status
Operating
Headcount range
101–250 employees
Ownership category
akta.pro rank

Penta industry classification

Industry
Product category
Digital Business Banking
NAICS
Commercial Banking (52211), Depository Credit Intermediation (5221)
SIC
Functions Related To Depository Banking, Nec (6099)
akta.pro primary industry
SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)
akta.pro secondary industries
Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)

Keywords

  • Digital business banking
  • SME financial services
  • Startup banking platform
  • Business bank accounts
  • Fintech banking solutions

Where Penta is headquartered

Location

Headquarters

HQ city
Berlin
HQ country
Germany
HQ region
Europe

Offices1 record

Markets served

Penta business model

Business model
GTM type
B2B
Offering type
Services
Cost components
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

  1. Banking and Financial Services Revenue: Penta operates as a fintech company providing business banking services. The Series B funding from banking institutions (ABN Amro, Volksbank, Raiffeisenbank) suggests potential revenue from banking-as-a-service, transaction fees, and financial service subscriptions.

Go-to-market motion1 record

Penta product offering

Product offering

Core offering

Penta is a digital business banking platform designed to help startups and small and medium-sized enterprises (SMEs) save time and money on banking. It provides online business bank accounts and related financial services targeted at the European market. The company operates as a fintech that partners with established banking institutions to deliver its offerings.

Differentiator

Problem solved

Functional benefit

Products and services

  • Digital Business Bank Platform A digital business banking platform that provides startups and SMEs with business bank accounts and related financial services aimed at saving them time and money on banking.

Companies that use Penta

Customer profile

Ideal customer profiles1 record

Penta technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Penta partnerships and signals

Strategic signal

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Penta competitors and assessment

Company assessment

Direct peers

  • Qonto: Paris-headquartered digital business banking platform serving SMEs, freelancers, and startups across Europe with accounts, cards, invoicing, expense, and lending. Most direct competitor to Penta in scope, segment, and product depth, and visibly referenced throughout the Penta source material.
  • Finom: Digital business banking platform serving SMEs and freelancers across Europe with accounts, cards, and invoicing. Direct competitor with overlapping DACH/EU target segment and similar product positioning to Penta.
  • Tide: UK-based SME business banking and accounting platform targeting small businesses with accounts, invoicing, and expense tools. Closely analogous business model to Penta in a different primary geography; a like-for-like model comparison.
  • Holvi: Finland-origin (now BBVA-owned) digital banking platform built for freelancers, SMEs, and self-employed. Serves a similar European small-business horizontal segment as Penta, including invoicing, accounts, and tax tooling.

Emerging players

  • Anna Money: UK-based digital business banking challenger for SMEs, sole traders, and limited companies. Comparable segment and value proposition to Penta at a smaller scale; competes in adjacent European SMB banking.
  • Wise Business: Cross-border payments-led fintech with a business account product tailored to SMEs and freelancers handling multi-currency operations. Partial overlap with Penta on SME accounts and money movement rather than full-service banking.

Broad incumbents

  • Starling Bank: UK challenger bank serving retail customers and SMEs with business accounts, lending, and payments. Operates a broader product portfolio than Penta but overlaps directly on SME business banking.
  • Revolut Business: Business-banking arm of Revolut serving SMEs, freelancers, and large companies with accounts, multi-currency, cards, and expense management. Overlaps with Penta on European SME business banking under a broader consumer-led umbrella.
  • N26 Business: Berlin-headquartered consumer neobank with a dedicated business-account tier for SMEs and freelancers across Europe. Competes with Penta in the German core market and broader European SME horizontal.
  • bunq: Netherlands-based European challenger bank serving retail and SME customers with accounts, cards, and business banking. Overlaps with Penta on European horizontal SME banking under a broader consumer umbrella.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

Penta social profiles

Digital presence

Penta financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Penta leadership team

Management profile

Number of profiles

Profiles3 records

Penta funding detail

Funding detail

Funding overview

Funding rounds8 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Penta M&A and investment

M&A and investment

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Penta

What does Penta do?

Penta is a digital business banking platform designed to help startups and small and medium-sized enterprises (SMEs) save time and money on banking. It provides online business bank accounts and related financial services targeted at the European market. The company operates as a fintech that partners with established banking institutions to deliver its offerings.

When was Penta founded?

Penta was founded in 2016. It employs 101 to 250 people.

Where is Penta based?

Penta is headquartered in Berlin, Germany, in the Europe region.

How does Penta make money?

One revenue line is on record: banking and Financial Services Revenue.

Who are Penta's main competitors?

Direct peers on record are Qonto, Finom, Tide and Holvi. Emerging players are Anna Money and Wise Business. Broad incumbents are Starling Bank, Revolut Business, N26 Business and bunq.

Does Penta have an API?

No public API is recorded for Penta.

What industry is Penta in?

Penta's product category is Digital Business Banking. Its primary akta.pro industry code is FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations), with a secondary code of FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P). Its NAICS code is 52211 and its SIC code is 6099.

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Startupmafia👩‍💼 Founders Building the Future of EU FintechSeven EU fintech founders are profiled, including Adyen, N26, Flatpay, Finom, Carbon Equity, 0TO9, and Mifundo. Flatpay's revenue rose from $35M to $140M ARR, and Finom closed a €115M Series C. The list highlights EU-native regulatory challenges.SpendeskEmployee expense reports: How to fix this broken systemThis article argues that traditional employee expense reports are inefficient, costly, and create unnecessary friction for employees, finance teams, and management, with a typical expense report cycle taking 30 days and consuming nearly 50 minutes of company time per submission. The piece promotes modern expense management platforms as a comprehensive solution, highlighting features such as real-time expense validation, pre-loaded debit cards, single-use virtual cards, AI-powered auditing, and automated receipt capture. The article, which functions as promotional content for Spendesk, also references insights from other expense management providers including Penta, 30SecondsToFly, BusinessTravelDirect, and AppZen.FinextraPenta co-founder raises €3 million for Swiss banking startupRelio, a Swiss SME banking startup founded by Penta co-founder Lav Odorovic, has secured €3 million in funding. The capital will support the development of its automated compliance technology and efforts to obtain a Finma Fintech license. Key investors include TX Ventures, SIX Fintech Ventures, and High-Tech Gründerfonds.Startbase200 million euros probably paid for Penta takeoverFrench fintech Qonto acquired Berlin-based competitor Penta for approximately 200 million euros, as revealed by extracts from the French commercial register. The deal includes Qonto shares worth 179 million euros paid to Penta shareholders and employees, facilitating Qonto's expansion into the German SME market. Former Penta CEO Markus Pertlwieser will serve as a strategic advisor during the integration process.deutsche-startups.de+++ exmox +++ 4scotty +++ Penta +++ Qonto +++ Every +++Swedish gaming company Aonic acquired Hamburg-based AdTech firm exmox for $100 million, while French fintech Qonto finalized its acquisition of competitor Penta for approximately €200 million. Meanwhile, Berlin-based reverse job marketplace 4scotty filed for insolvency, and food startup Every aims to achieve eight-figure revenues driven by strong online growth.LegaldesireFreshfields advises Penta on its acquisition by QontoFrench fintech Qonto is acquiring Berlin-based digital business finance provider Penta, with the transaction expected to close in the coming weeks. Freshfields Bruckhaus Deringer is providing legal advice to Penta and its shareholders regarding the acquisition.BeBeezNotizie da Qonto, Penta, Keensight Capital, IRDI Capital, Bain Capital, ADIA, Wynnchurch Capital, Delos Capital, Efeso Consulting e altriFrench fintech Qonto has acquired Penta, a leading German digital corporate finance provider for SMEs, expanding its presence in the European market. In other significant transactions, Bain Capital and Abu Dhabi Investment Authority are acquiring Merchants Fleet, while Keensight Capital took a majority stake in BYG4lab and Wynnchurch Capital purchased FCA Packaging from Delos Capital.PYMNTS.comFrench Digital Bank Qonto to Acquire PentaFrench digital bank Qonto announced its intent to acquire German rival Penta, a deal expected to close in the coming weeks. This acquisition aims to establish Qonto as the market leader in Germany and accelerate profitable growth toward its goal of 1 million clients by 2025.ReutersFrench fintech Qonto intends to acquire German rival PentaFrench fintech Qonto announced its intent to acquire German rival Penta, a deal expected to close in the coming weeks. This acquisition aims to create a European digital business finance leader with over 300,000 customers and establish Qonto as the market leader in Germany.The PaypersPenta raises EUR 15 millionPenta has raised EUR 15 million to conclude its Series B financing round, which began in February 2020 with an initial investment from HV Capital, RTP Global, and several banks. The funding follows previous tranches of EUR 4 million and EUR 7.5 million, bringing total capital raised for the digital banking platform to EUR 38.5 million. Penta provides digital company accounts primarily targeting startups and small enterprises.