Penta vs Paynetics
In our editorial rating Paynetics leads (4.4 vs 3.8). Neither wins across the board: weigh the points above against your use case before choosing between Penta and Paynetics.
| Penta | Paynetics | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · DE | condiviso · BG, UK |
| Multi-currency | No (single currency) | Yes · 5 currencies |
| Outbound transfers to third-party IBANs | Yes | No |
| Utility direct billing | Yes | No |
| SEPA direct debit (SDD) | Yes | No |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | Free | Free |
| Interest on balance | 0% | 0% |
| 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, UK · 31+ countries |
| Regulator | BaFin | BNB (Bulgaria) + FCA (UK) |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Regions | EU/EEA | EU/EEA, UK |
| Licences & safety | Banking-as-a-Service (solarisBank) | EMI |
Frequently asked questions
Penta vs Paynetics: which is better?
In our editorial rating Paynetics leads (4.4 vs 3.8). Neither wins across the board: weigh the points above against your use case before choosing between Penta and Paynetics.
Which is cheaper, Penta or Paynetics?
On the standard spending profile Penta has the lowest net annual cost: €0 versus €0 for Paynetics.
Is Penta custodial or self-custody?
Penta is custodial: funds are held by the platform, while Paynetics is custodial.