You’ll be able to keep enjoying all the parts of Penta you love, like having a 100% digital account, a German IBAN, sub-accounts, integrations with DATEV and lexoffice and many more.

But now, with Qonto, you’ll also:

Pay and get paid on your terms

  • Instant SEPA transfers: receive payments in under 10 seconds from any device, anytime.
  • Virtual cards: create as many as you need at no additional cost.*
  • Apple Pay and Google Pay: easily make in-store purchases from your phone.
  • Higher card limits: spend up to €200,000 and withdraw up to €15,000 per calendar month.
    *for premium plans*

Have more visibility over your invoicing and bookkeeping

  • Upload GoBD-compliant receipts to your account and match them to the associated transactions in seconds. You can also sync your transactions with DATEV, lexoffice and others.
  • Integrated invoicing: create, send and track professional invoices all from your app.
  • Supplier invoices dashboard: upload your invoices and they’ll be automatically linked to the right transaction. Schedule future payments in just a few clicks.

Give your team autonomy, while staying in control

  • Define member roles: create Employee roles as well as Manager roles with customizable access.
  • Expense request validation: approve employee purchase requests for cards and transfers in one click.
  • Digitized receipts: no more chasing down paper receipts. Store them in the app and automatically send employees reminders to upload missing ones.

Get best-in-class onboarding and client support

  • Highest customer satisfaction: Qonto is TÜV-certified and among the highest-rated services in the European finance sector with a 4.6 Trustpilot rating.

If you have any further questions please do not hesitate to reach out to our dedicated Serviceteam via and be sure to check our Information page on the merger of Penta and Qonto.