Penta credits is an imaginary currency that helps you to save costs on Banking.
You receive Penta credits in certain cases and they will offset your chargeable amount.
E.g. you received 20 penta credits for being such a loyal customer on February 1st.
Your first real invoice will be for February and considering that you took the premium account it will be 19€.
At the end of February we issue you an invoice with 19€ minus 19 Penta credits. You will pay nothing and have 1 Penta credit left for next month.
It is not possible to pay out these credits, since they are no real currency.