Chipper Cash vs Penta.
Chipper Cash (C62/100) 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. Chipper Cash leads Penta 6-1.
| C Chipper Cash №48 · FCA 62 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /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 | E-money inst. FCA | Partner-bank BaFin |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
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 Chipper Cash won 1 of 4
- Best for protection Tied
- Best for reach Chipper Cash won 3 of 3
- Best for ux Tied
Chipper Cash vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Penta?
Under our v3 methodology, Chipper Cash leads Penta 6–1 across 12 dimensions. Composite scores: Chipper Cash 62/100 vs Penta 61/100. Chipper Cash is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chipper Cash or Penta cheaper?
Monthly fee — Chipper Cash: €0; Penta: €9. Card FX markup — Chipper Cash: 1.00%; Penta: 1.00%. Chipper Cash 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, Chipper Cash or Penta?
Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Chipper Cash and Penta?
Chipper Cash operates in 9 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.