Case Study

Business banking reimagined

Digital Banking

Penta is the digital business banking platform for sole proprietors and companies in Germany. Set up within a few minutes, the Penta banking account enables businesses to seamlessly manage expenses and investments via an intuitive user interface. Through integrations with popular accounting tools, Penta offers a complete financial hub for businesses that want to get things done.


Penta set itself the goal of becoming the digital CFO for their customers. To do this, however, Penta needed to offer not only a bank account as a core product for day-to-day banking transactions, but also additional financial services relevant to sole proprietors and companies. Therefore, a modern account infrastructure was crucial for combining both daily banking and banking-related services such as integration with accounting software or collaboration with tax advisors. What may sound straightforward, comes with several hurdles:

  1. Penta wanted to launch their product fast and lean. Applying for an own banking license however would entail stemming immense capital requirements and undergoing a lengthy application process.
  2. A tech-savvy partner was sought to provide an agile infrastructure that would enable Penta to offer smooth, digital processes , especially with regards to the account opening process.
  3. Further, a bank account with a pretty UI but without value-added services would not cut it for Penta. A future-proof solution with room to continuously add completely new features for customers has always been the starting point for choosing a banking partner.

Our solution

Plug & Pay

Plug & Pay

With Solaris’ Banking-as-a-Service platform, Penta has been able to build and expand its platform business step by step, focusing on making banking as simple as possible for their customers while cutting the time to market significantly. Solaris’ modular services are all accessible via RESTful APIs, which enabled Penta to integrate its frontend with Solaris’ infrastructure in next to no time. Penta’s fully-fledged digital business account is kitted out with automated SEPA direct debits to help businesses reliably collect payments, a batching feature to approve multiple payments with just one SMS Tan, as well as sub-accounts to help businesses organize and save their funds.

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The only Green Card you need

The only Green Card you need

By virtue of Solaris’ white-label setup, Penta has full control over the look and feel of their product: from their intuitive user interface over to their recognizable VISA Debit Cards. But the design is not all that’s special about Penta’s cards; with flexible limit setting, instant push notifications and an unlimited number of additional cards for employees, the Penta card is a real game-changer for expense management. What’s more, Penta offers integrations with major accounting softwares, making it a child’s play for bookkeepers to automatically synchronize all card transactions and saving valuable time for business owners.

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The project in numbers

48hours to open a fully functional business account instead of weeks
30,000+businesses already using Penta to simplify their banking
9forms of incorporation supported, from freelancers to corporates

Hear what our partners have to say

Penta’s mission is to simplify business banking, enabling business owners to focus on the things they really love. Solaris’ Banking-as-a-Service infrastructure provides us with the best solution to offer tailor-made products for our customers, scale our business at high speed and ultimately fulfil our mission.
Markus Pertlwieser
Markus Pertlwieser

CEO of Penta

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