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Knowledge base
Account
General
10
Is my Penta business account a regular business account?
Do I have my own IBAN? Does each account have an individual IBAN?
How many accounts can I open?
What is a BIC?
What is the BIC code of Penta ?
See all 10 articles
Login
5
How can I reset my password?
I can't log in. What can I do?
What is my username?
Why do I need to verify my Penta business account login?
Is there a way to log into my Penta business account without smsTAN?
Account Transactions & Statements
6
Where and how can I see and export my account transactions?
How long do I have to wait before a transaction is visible in my account?
What is the difference between a bank statement and a statement of account?
How can I save contacts to transfer money to?
Can I move my financial history from another bank account to Penta?
See all 6 articles
Users & Permissions
11
How can I add or remove a user in my Penta business account?
How do added users get access to Penta?
What user permissions are available in the Penta Business Account?
How does Multi-User Management work with Penta
How do added users get access to Penta?
See all 11 articles
Subaccounts
13
What are Subaccounts?
What can I use subaccounts for?
How can I create subaccounts in my Penta account?
How much does a subaccount cost?
I am a „Comfort” user, can I create more than four subaccounts?
See all 13 articles
Data Changes
6
How can I change my e-mail address?
How can I change my business address?
I have a new mobile. How can I change my phone number?
Where can I change my private address?
How can I change my personal name in my account?
See all 6 articles
Secure Account Opening and Use
7
Is my Penta business account secure?
Why am I asked additional questions about the use of my account and certain transactions?
Will my answers to security questions, my data or my documents be shared with others? How will sensitive information I disclose be handled?
Can I use my Penta business account for private purposes?
I was asked if I would like to test a banking app for a reward. Is this serious?
See all 7 articles
Account Block and Closure
8
How can I extend the deadline for filing my tax number?
Why was my account not opened after completing my identification?
Why was my account blocked immediately after I completed my identification and opened my account?
Why was my account suddenly blocked without warning?
Why was a transaction I sent stopped and has not yet arrived?
See all 8 articles
Account Seizure and P-Account
15
What is an account seizure?
Can anyone seize my account?
How can I quickly unlock my account after a seizure?
How exactly does the account seizure work?
What is the effect of an account seizure?
See all 15 articles
Cards
General
6
Which card will I receive with my Penta business account?
How many VISA cards do I get with my Penta business account?
What functions does the Penta VISA card offer me and where is it accepted ?
Do I have to sign my VISA card?
What is the difference between my VISA debit card and a credit card and do I need a credit card?
See all 6 articles
Order, Delivery & Activation
8
How long does it take to deliver my VISA card?
How and to which address will my card be delivered?
What happens with card returns?
How do I activate my VISA card?
My VISA card has the wrong name, what can I do?
See all 8 articles
PIN Code
5
How do I set my PIN code?
How do I change my PIN code?
Why was my card blocked after I tried entering my PIN code?
How do I protect my PIN code?
I have forgotten my PIN, what can I do?
Card Loss & Block
4
How can I block and unblock my VISA card?
What do I have to do if my VISA card is broken ?
What should I do if my VISA card has been stolen or lost?
My VISA card has been confiscated by the ATM, what can I do?
Card Limits
8
What are the maximum card limits for my Penta VISA and Mastercard?
Can I increase the maximum card limit?
Can I change the limits for individual users at any time?
Can I increase the limit for cash withdrawals?
What are online and offline payments?
See all 8 articles
Card Features
8
How can I add my Penta VISA card to Apple Pay?
What should I bear in mind when paying with Penta and Apple Pay?
How is my data protected with Apple Pay?
How can I add my VISA card to Google Pay?
Can I make contactless payments using NFC with my VISA card?
See all 8 articles
Card Payments
10
Why has my VISA card payment been declined?
My payment has been stopped. Why do I receive a push message and what should I do?
I have received a chargeback, why don't I see it in my Penta business account yet?
What is 3D Secure?
Why do I need to verify my card payment?
See all 10 articles
Replacement cards
1
Will my Mastercard automatically convert to a VISA card when it expires? Do I need to order a replacement VISA card?
Payment Transactions
General
4
What payment methods are available to me domestically with my Penta business account?
What special features does Penta provide you with for payment transactions?
How do I add a receipt to a transaction?
Can I set a daily transaction limit?
Notifications & Categories
6
How do I send a payment confirmation?
How can I set up notifications?
What notifications can I set up about activity on my account?
How can I categorize transactions and change the category?
How can I change the names of the categories?
See all 6 articles
Cash Payments & Checks
3
How do I withdraw cash from my Penta account?
How do I deposit cash to my Penta account?
How can I cash a check on my Penta account?
Transfers & Standing Orders
4
How can I make a bank transfer?
Where can I see that my transfer has been carried out?
How can I download a transfer confirmation?
How do I set up a bank transfer or a standing order?
Batch Payments
8
What is a Batch Payment?
How can I execute a Batch Payment?
How do I fill out the template for the Batch Payment?
Can I use my own template for a Batch Payment?
Who can make Batch Payments?
See all 8 articles
Direct Debits
25
Are SEPA direct debits on my Penta business account always free of charge?
How do I setup a company direct debit mandate to debit my Penta business account?
What are SEPA Core Direct Debits?
How do I register for SEPA Core Direct Debit with Penta?
Why does Penta perform a credit check before I can collect direct debits?
See all 25 articles
Help, I can´t get any further!
7
My transfer is not accepted, what can I do?
I didn't receive an smsTAN, what can I do?
Can I have payments called back and how does that work?
I can't find a specific transaction, what can I do?
I'm expecting an incoming payment, but I don't see it in my bank account. What happened?
See all 7 articles
Foreign Payments
General
5
What options does Penta offer for foreign payments?
Who is the provider Wise?
What is Penta Global Money?
When is there a reporting obligation for foreign remittances?
How can I contact Wise customer service?
Registration with Wise
3
How do I register with Wise?
Will I be asked for additional information to use Wise?
Do I need a Penta account to use Penta Global Money?
Payment Questions
8
How do I transfer money with Wise?
How can I receive foreign payments on my Wise account?
How long does it take to send money abroad with Wise?
Which destination countries, recipient countries and currencies do Wise support?
What is the difference between local payments and SWIFT payments?
See all 8 articles
Accounting
General
3
What accounting integrations does the Penta Business Account offer me?
Where can I find the accounting integrations in my Penta account?
Does Penta support the HBCI procedure?
DATEV
10
What data is transmitted from Penta to DATEV Unternehmen online?
How can I send my receipts from Penta to DATEV Unternehmen online?
How do I get my transaction data into DATEV Unternehmen online?
How can I activate the DATEV document image service (formerly known as DATEVconnect online) in DUO?
How much does it cost to send receipt and transaction data to DATEV?
See all 10 articles
lexoffice
7
How much does it cost to use lexoffice?
When can I use the lexoffice integration?
What is a lexoffice offline and online account?
Why are you sending data to lexoffice, why isn't lexoffice pulling data from Penta like it does with my traditional bank?
How do I add my Penta account to lexoffice?
See all 7 articles
Other Accounting Tools
11
How do i connect my Penta account with BuchhaltungsButler?
How do I connect my Penta account to Billomat?
How do I connect my Penta account to sevDesk?
How do i connect my Penta account with Accounting software Papierkram?
How do i connect my Penta account with CANDIS?
See all 11 articles
Export Transaction Data
5
How can I export my receipts from the Penta App?
How long does it take for the files to be downloaded?
Can I filter my transactions and receipts before I download them?
How can I manually exchange my transaction data with my accounting software?
Can I give another user permission to download the MT940 file?
Share to Penta
3
How does the “Share to Penta” feature work?
Which file formats does the "Share to Penta" function support?
After clicking "Share" on the "Share to Penta" function, I don't see the Penta app. What can I do?
Mobile App
General
2
Which account functions are available in the Penta Mobile App?
What special functions does the Penta Mobile App have?
Device Binding
2
How can I pair a device with my Penta account?
How can I disconnect a device from my Penta account?
Technical Questions
3
What technical requirements do I need to use the Penta App?
How can I reset my device to factory settings?
What does it mean when my device is "jailbroken" or "rooted"?
Push Notifications
2
What push notifications will I receive on my mobile device?
Why am I not receiving push notifications?
Transaction Receipts & Notes
1
How can I add notes and receipts to transactions?
Subaccounts
2
What sub-account features are available to me in the Penta App?
Can I create new sub-accounts in the Penta Mobile App?
Rewards & Referral
Penta Referral Program
5
What is the referral program?
Who can participate in the referral program?
What do I earn for recommending Qonto?
When is a Penta referral successful?
How do I share my referral link and how can I collect my reward?
Amazon Web Services (AWS)
10
What is Amazon Web Services (AWS)?
How does Amazon Web Services and Penta work?
Do I need to be an AWS customer to take advantage of the AWS and Penta bonus?
How do I use my AWS balance and where can I see my current balance?
Is there a minimum purchase for AWS Credits with Penta?
See all 10 articles
Stripe
3
Who is Stripe?
How does the rewards program work with Stripe and Penta?
How do I receive the Stripe and Penta affiliate program bonus?
CANEI.quick
2
What is CANEI.quick?
What rewards do I receive from CANEI.quick through Penta?
Prices & Billing
General
3
What pricing models does Penta offer you?
How much does a Penta business account cost?
How many free subaccounts are included in the account maintenance fees?
Fees for card use
4
How much does the Penta VISA card cost?
What does it cost to reorder a Penta VISA card?
What fees will I be charged for cash withdrawals at ATMs at home and abroad?
What fees will I be charged for card payments?
SEPA transaction fees
3
What are the fees for outgoing SEPA transfers?
What are the fees for incoming SEPA direct debits?
What are the fees for outgoing SEPA direct debits?
Foreign Payments
3
Is Global Money included in every price plan?
What costs do I incur when exchanging currencies with Global Money?
What are the costs when I make a foreign transfer with Global Money?
Deposit Fee
1
Does Penta charge interest or fees for account balances?
Billing
6
How and when will I be billed for my Penta business account?
When and how will I be notified when Penta withdraws money from my account?
Where can I view my invoices?
Are the invoice and booking dates the same?
What exactly will I be charged? What is included in the invoice?
See all 6 articles
Price plan
5
Where can I see which price plan I currently have?
How can I change the price plan of my business (upgrade & downgrade)?
If I choose a higher price plan (upgrade), when does it become active?
If I choose a lower price plan (downgrade), when does it become active?
What happens if I downgrade my price plan and then upgrade again before the downgrade takes effect?
Free trial
3
How does the free one month trial work?
What is included in my free trial?
What happens when the one month trial period is over?
Penta Credits
3
What are Penta credits?
How do I earn Penta Credits?
Where do I see the balance of my Penta Credits?
Financial Partners
Fulfin
6
Who is fulfin?
What conditions does fulfin offer?
What are fulfins credit requirements?
What documents do I need to submit to fulfin?
How can I apply for financing with fulfin through Penta?
See all 6 articles
Myos
6
Who is Myos?
What credit conditions does Myos offer me?
What are Myos credit requirements?
What documents do I need to submit to Myos?
How can I apply for financing with Myos through Penta?
See all 6 articles
Iwoca
6
Who is Iwoca?
What credit conditions does Iwoca offer?
What are Iwoca's credit requirements?
What documents do I need to submit to Iwoca?
How can I apply for a loan with Iwoca through Penta?
See all 6 articles
Indaro
6
Who is Indaro?
What are the conditions of the Indaro microcredit?
Who can receive a microloan from Indaro?
What documents do I need to submit to Indaro?
How can I apply for a microcredit with Indaro?
See all 6 articles
FinCompare
7
Who is FinCompare?
What conditions does FinCompare offer me?
What are the requirements of FinCompare?
Which financing solutions are available to me at FinCompare?
What documents do I need to submit to FinCompare?
See all 7 articles
SWK Corporate Fixed Deposit
9
What is the SWK fixed-term corporate deposit?
Who is Südwestdeutsche Kreditbank (SWK)?
As a Penta customer, how can I apply for the SWK Bank corporate fixed deposit?
What conditions does the SWK Bank corporate fixed deposit offer me?
What costs will I incur with SWK Bank's corporate time deposit?
See all 9 articles
KfW Instant Loan
3
Until when is the offer on Penta and Banxware still valid?
How can I submit a second application for KfW?
Can I combine the KfW instant loan with other Corona support programs?
Company & Legal Info
About Penta
6
What is Penta?
Is Penta a bank?
Is Penta a subsidiary of Solaris SE?
Who is Solaris SE?
How can I contact Solaris SE?
See all 6 articles
Anti-Fraud
3
What is "Dumpster Diving" and how can I protect myself from it?
What is "skimming" and how can I protect myself from it?
What is "phishing" and how can I protect myself from it?
Tax & Residency Data
10
Why does Penta need tax data about my company?
What is my Tax Identification Number (TIN)?
Where can I find the German Tax Identification Number (TIN)?
What is the Common Reporting Standard (CRS)?
Which CRS category should I select for my company?
See all 10 articles
Payment Services Directive 2
7
What is the Payment Services Directive 2 (PSD2) ?
What are third party payment service providers?
What is a payment processor?
What is an account information service provider?
Do I need to give third-party service providers access to my account?
See all 7 articles
Penta and Qonto
Penta App & IBAN
4
Can I still access the Penta app and services as before?
Will I receive new IBANs and cards when I move to Qonto?
Will I get a German IBAN when I move to Qonto?
Will my Penta account be closed automatically when I move to Qonto?
Move to Qonto
7
What is Qonto’s story?
Why are Qonto and Penta joining forces?
Which advantages does moving to Qonto bring me?
What happens if I open a Qonto account by myself without an invitation?
Will I be moved to Qonto without my consent?
See all 7 articles
Qonto Pricing & Options
6
How do Qonto’s prices compare to Penta’s?
Which of the price plans can I use?
I’m a freelancer or sole proprietor. Which Qonto plan should I choose if I currently have the Penta Starter plan?
I’m a freelancer or sole proprietor. Which Qonto plan should I choose if I currently have the Penta Comfort plan?
I run an SME. Which Qonto plan should I choose if I currently have the Penta Starter plan?
See all 6 articles
Service & Features
3
Will I still receive the same level of customer service?
What kind of support will I receive when moving to Qonto?
What will happen to Penta’s sustainability policy?
