WeBank vs Penta.
WeBank (W76/100) 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. WeBank leads Penta 6-1.
| P Penta №49 · BaFin 61 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 61 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| 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 | Partner-bank BaFin | Full bank CBI |
| Deposit guarantee Per depositor | Safeguarded No DGS | €500,000 CN.PBoC-DIS |
| 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 | — |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees WeBank won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach WeBank won 1 of 3
- Best for ux Tied
WeBank vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Penta better than WeBank?
Under our v3 methodology, WeBank leads Penta 6–1 across 12 dimensions. Composite scores: Penta 61/100 vs WeBank 76/100. WeBank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Penta or WeBank cheaper?
Monthly fee — Penta: €9; WeBank: €0. Card FX markup — Penta: 1.00%; WeBank: 1.00%. WeBank 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, Penta or WeBank?
Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Penta and WeBank?
Penta operates in 1 country; WeBank 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.