Cash App vs Penta.
Cash App (C70/100) 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. Cash App leads Penta 8-1.
| C Cash App №31 · FDIC 70 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €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 | 2 countries | 1 country |
| Crypto Coins available | 1 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
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 Cash App won 2 of 4
- Best for protection Cash App won 1 of 2
- Best for reach Cash App won 3 of 3
- Best for ux Tied
Cash App vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Penta?
Under our v3 methodology, Cash App leads Penta 8–1 across 12 dimensions. Composite scores: Cash App 70/100 vs Penta 61/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or Penta cheaper?
Monthly fee — Cash App: €0; Penta: €9. Card FX markup — Cash App: Interbank; Penta: 1.00%. Cash App 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, Cash App or Penta?
Cash App 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. Cash App is the stronger pick on regulatory protection.
Where can I use Cash App and Penta?
Cash App operates in 2 countries; 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.