Penta vs bunq Business
On the standard spending profile Penta is cheaper: €0 net per year versus €96 for bunq Business. On cashback bunq Business wins (up to 2%); for spending abroad FX markup matters, and Penta does better (0% vs 0.5%). In our editorial rating bunq Business leads (4.4 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Penta and bunq Business.
| Penta | bunq Business | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.4 |
| Estimated net annual cost | €0 | €96 |
| Account fee | Free | €8 |
| IBAN | dedicato · DE | dedicato · NL |
| Multi-currency | No (single currency) | Yes · 18 currencies |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | Yes | Yes |
| SEPA direct debit (SDD) | Yes | Yes |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | Free | €0 |
| Interest on balance | 0% | 0.75% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA · 30+ countries |
| Regulator | BaFin | DNB, AFM |
| OAM Italy registration | No | Yes |
| Segment | B2B | B2B |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banking-as-a-Service (solarisBank) | Full Banking License |
Frequently asked questions
Penta vs bunq Business: which is better?
On the standard spending profile Penta is cheaper: €0 net per year versus €96 for bunq Business. On cashback bunq Business wins (up to 2%); for spending abroad FX markup matters, and Penta does better (0% vs 0.5%). In our editorial rating bunq Business leads (4.4 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Penta and bunq Business.
Which is cheaper, Penta or bunq Business?
On the standard spending profile Penta has the lowest net annual cost: €0 versus €96 for bunq Business.
Which offers more cashback, Penta or bunq Business?
bunq Business has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Penta custodial or self-custody?
Penta is custodial: funds are held by the platform, while bunq Business is custodial.
Which is better for spending abroad?
For foreign-currency spending Penta wins, with the lowest FX markup: 0%.