Penta vs Nomo.
Penta (P61/100) and Nomo (N52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nomo leads Penta 4-3.
| N Nomo №68 · FCA 52 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 1.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FCA | Partner-bank BaFin |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
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 Nomo won 1 of 4
- Best for protection Penta won 1 of 2
- Best for reach Nomo won 2 of 3
- Best for ux Tied
Penta vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nomo better than Penta?
Under our v3 methodology, Nomo leads Penta 4–3 across 12 dimensions. Composite scores: Nomo 52/100 vs Penta 61/100. Nomo is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nomo or Penta cheaper?
Monthly fee — Nomo: €0; Penta: €9. Card FX markup — Nomo: 1.00%; Penta: 1.00%. Nomo wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Nomo or Penta?
Nomo holds a Payment inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. Penta is the stronger pick on regulatory protection.
Where can I use Nomo and Penta?
Nomo 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.