The new Payment Service Directive (PSD2) requires users to authenticate themselves with at least two factors when logging into online banking. The login must be composed of two of these three factors:

  • "Knowledge," for example the PIN
  • "Possession," for example the smartphone
  • "Inherence", for example the fingerprint

Therefore, when logging in to your Penta business account, it is also necessary to authorize yourself with a second factor in addition to entering your password.

The 2-factor-authentication is done by a smsTAN, which we send to your cell phone number stored for the Penta business account. Simply enter the smsTAN you receive within five minutes to proceed with the login. 

If you do not receive an smsTAN from us despite repeated requests, our customer service will be happy to help you from 9 a.m. to 6 p.m. weekdays by phone at +49 30 255 585 803 or by e-mail to

More information about our security measures