AngelList Stack vs Penta.
AngelList Stack (A66/100) and Penta (P61/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. AngelList Stack leads Penta 4-2.
| A AngelList Stack №44 · FDIC 66 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank BaFin |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 3.2 ★ 0k reviews |
| App store iOS + Android avg | — | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
Pick Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
- Best for fees AngelList Stack won 2 of 4
- Best for protection AngelList Stack won 1 of 2
- Best for reach Tied
- Best for ux Penta won 2 of 2
AngelList Stack vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Penta?
Under our v3 methodology, AngelList Stack leads Penta 4–2 across 12 dimensions. Composite scores: AngelList Stack 66/100 vs Penta 61/100. AngelList Stack is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is AngelList Stack or Penta cheaper?
Monthly fee — AngelList Stack: $0; Penta: €9. Card FX markup — AngelList Stack: Interbank; Penta: 1.00%. AngelList Stack wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, AngelList Stack or Penta?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. AngelList Stack is the stronger pick on regulatory protection.
Where can I use AngelList Stack and Penta?
AngelList Stack operates in 1 country; Penta operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.