Comparison
Penta vs Airwallex
A side-by-side look at Penta and Airwallex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Penta
The digital business account for German SMEs.
Penta is a German business banking platform offering accounts, Mastercard cards and accounting integrations.
Airwallex
The global financial platform for modern business.
Airwallex provides multi-currency accounts, global cards, FX, bill pay and embedded finance — letting companies operate like locals in 60+ countries.
Side-by-side
| Spec | Penta | Airwallex |
|---|---|---|
| Tagline | The digital business account for German SMEs. | The global financial platform for modern business. |
| Headquarters | Berlin, Germany | Melbourne, Australia |
| Founded | 2017 | 2015 |
| Regions | EU | Global, APAC, EU, UK, US |
| Card type | Mastercard debit | Visa charge / debit (market dependent) |
| Pricing | From €9/mo Starter to €79/mo Enterprise. | Free base account; cards free; FX from 0.4%. |
| Rewards | — | Cashback on eligible spend (market dependent). |
| Best for | German SMEs | Cross-border businesses, Marketplaces, Global SaaS |
| Integrations | Datev, Xero, Lexoffice | Xero, NetSuite, QuickBooks |
Penta: pros & cons
- German market specialist
- DACH-only
Airwallex: pros & cons
- Best-in-class FX
- True global coverage
- Powerful APIs
- Onboarding can be slow
- Spend management is lighter than dedicated tools