C6 Bank vs Penta.
C6 Bank (C71/100) 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. C6 Bank leads Penta 6-2.
| C C6 Bank №30 · BACEN 71 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 4.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Partner-bank BaFin |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
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 Tied
- Best for protection C6 Bank won 2 of 2
- Best for reach C6 Bank won 1 of 3
- Best for ux Tied
C6 Bank vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Penta?
Under our v3 methodology, C6 Bank leads Penta 6–2 across 12 dimensions. Composite scores: C6 Bank 71/100 vs Penta 61/100. C6 Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is C6 Bank or Penta cheaper?
Monthly fee — C6 Bank: €0; Penta: €9. Card FX markup — C6 Bank: 4.00%; Penta: 1.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, C6 Bank or Penta?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Penta?
C6 Bank 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.