No, you do not need a credit card. The debit card offers you the same payment functions as the credit card.

The main difference between a debit card and a credit card is the billing method.

  • with a credit card, the bank grants you a credit line for payments in advance, and the payments are settled at the end of the month. The amount is therefore not debited directly from the account
  • with a debit card, the funds on your Penta business account are immediately available, the debit takes place within a few days. You will see the transactions directly on your Penta business account a few days later

One advantage of the debit card is that, unlike a credit card, you do not have to pay interest.

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You can find more information about business cards and functions here: