SoFi vs Penta.
SoFi (S79/100) 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. SoFi leads Penta 8-0.
| P Penta №49 · BaFin 61 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 61 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank BaFin | Full bank OCC |
| Deposit guarantee Per depositor | Safeguarded No DGS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 3.2 ★ 0k reviews | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
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.
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 2 of 4
- Best for protection SoFi won 2 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Penta better than SoFi?
Under our v3 methodology, SoFi leads Penta 8–0 across 12 dimensions. Composite scores: Penta 61/100 vs SoFi 79/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Penta or SoFi cheaper?
Monthly fee — Penta: €9; SoFi: €0. Card FX markup — Penta: 1.00%; SoFi: Interbank. SoFi 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, Penta or SoFi?
Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. SoFi is the stronger pick on regulatory protection.
Where can I use Penta and SoFi?
Penta operates in 1 country; SoFi 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.