Found vs Penta.
Found (F69/100) 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. Found leads Penta 4-1.
| F Found №39 · FDIC 69 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /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 | Partner-bank FDIC | Partner-bank BaFin |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Found won 1 of 4
- Best for protection Found won 1 of 2
- Best for reach Tied
- Best for ux Tied
Found vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Penta?
Under our v3 methodology, Found leads Penta 4–1 across 12 dimensions. Composite scores: Found 69/100 vs Penta 61/100. Found is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Found or Penta cheaper?
Monthly fee — Found: €0; Penta: €9. Card FX markup — Found: 1.00%; Penta: 1.00%. Found 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, Found or Penta?
Found 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. Found is the stronger pick on regulatory protection.
Where can I use Found and Penta?
Found operates in 1 country; 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.