Germany's Penta is a new digital bank account for startups and SMEs Germany's Penta is the latest European startup to throw its banking wares into the ring. The burgeoning company is launching a new digital bank account targeting SMEs. Running on top of Banking-as-a-Platform solarisBank, the new offering perhaps resembles something like Tide in the U.K., and is designed to meet all of the banking needs of small to medium-sized businesses, including, of course, startups.