Bling (formerly Penta) review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bling, formerly Penta, suits parents saving for children in the EU through a prepaid card, with money held under deposit protection. It scores 3.7 overall, and the easy access easy access setup makes it a pocket tool rather than a serious saver.
Key facts
- Best for
- A small, protected pot of money for a child, managed from a prepaid card.
- Rate type
- Fixed↗
- Term
- 12 months↗
- Minimum deposit
- €1↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Bookable monthly or yearly, cancelable at any time in the app; prepaid balance held on a separate account with the bank partner under the statutory deposit guarantee up to 100,000 EUR↗
- Monthly fee
- €2.99↗
- Account kind
- Easy access↗
- Legal entity
- Bling Services GmbH↗
- Headquarters
- Germany↗
- Founded
- 2021↗
- Support channels
- Chat, Email, Phone, Help-centre↗
- Official website
- bling.de
Debit cards
- Card type
- Prepaid↗
- Audience
- Kids
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInyoutube.cominstagram.com
Pros and cons
Pros
- Deposit protection runs to EU DGS up to EUR 100,000
- Minimum deposit is just €1, so saving can start small
- The card is prepaid, aimed at kids
- Cancel at any time in the app, with the term booked as 12
Cons
- A monthly fee of €2.99 applies to the prepaid card
- The rate is fixed, so it does not follow market moves like the variable rates at bunq (variable) or Wise (variable)
- Balances are held on a separate account with the bank partner, which adds a step when you check the cover
Who it suits
- Parents putting aside money for a child
- Anyone wanting a small, protected balance held in euros
- Households happy to manage savings from a phone app
Who should look elsewhere
- Savers chasing a return, since Finteres pays a variable rate
- Adults wanting a current account, given the prepaid card focus
- Anyone keeping a large balance in one account, given the partner setup
Fees and currency costs
The one recurring cost here is the prepaid card's monthly fee of €2.99. You can open the account and start saving from €1, so the entry cost is small. On a modest balance the card charge matters more than the return, so plan around it before you start.
Who runs it
Bling is Bling Services GmbH, based in Germany and founded in 2021. It is supervised as an e-money institution by ACPR in France, licence 16798, and it also sits in the German Vermittlerregister, the insurance broker register, under licence D-3FYU-QKM14-14. Support runs on chat, email and phone.
How Bling (formerly Penta) compares
8.6 vs 8.0
8.6 vs 9.4
8.6 vs 9.4
8.6 vs 8.5
8.6 vs 9.4
8.6 vs 8.7
8.6 vs 8.9
8.6 vs 9.2
8.6 vs 8.7
8.6 vs 9.3
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0- 8.6 vs 8.0
8.6 vs 9.0
8.6 vs 8.6
8.6 vs 8.3
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.3
8.6 vs 9.3
8.6 vs 9.3
8.6 vs 9.3
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.9
8.6 vs 8.9- 8.6 vs 8.9
8.6 vs 8.9
8.6 vs 8.8
8.6 vs 8.7
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4- 8.6 vs 8.0
8.6 vs 9.0
Where Bling (formerly Penta) is available
- Licence in France
- ACPR (Autorite de controle prudentiel et de resolution) - e-money institution Treezor (16798), checked September 26, 2026
- Licence in Germany
- Vermittlerregister (insurance broker register, Section 34d GewO) (D-3FYU-QKM14-14), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Bling cost to run?+
The prepaid card carries a monthly fee of €2.99, billed while the card is active. There is no separate charge on the savings side, so the card is the only recurring cost to plan for. Support is included across chat, email and phone.
Is my money protected if Bling fails?+
Balances are held on a separate account with a bank partner under the statutory deposit guarantee, and the stated protection is EU DGS up to EUR 100,000. The provider holds an e-money licence from ACPR in France, 16798.
What is the minimum I need to start saving?+
The minimum deposit is €1, so the account can be started at a token amount. The term is booked at 12 and can be renewed monthly or yearly. You can cancel in the app at any time.
What kind of account is it?+
It is listed as easy access, which means the money stays available rather than being locked away for a full notice period. The rate itself is fixed, so it will not rise and fall with the market the way a variable rate does.
Who is Bling aimed at?+
The card is prepaid and the stated audience is kids, so the product is built around a child's spending and saving rather than adult banking. Parents can book monthly or yearly and cancel from the app.
Which company operates the account?+
The operator is Bling Services GmbH, based in Germany and founded in 2021. It also sits in the German Vermittlerregister, the insurance broker register, under licence D-3FYU-QKM14-14, and holds an e-money licence in France.
How do I get help if something goes wrong?+
Support runs on chat, email and phone, covering chat, email, phone and a help centre. Questions about the savings term, the card fee and cancellations can all be raised through those channels. The account is managed in the app.
Sources
- bling.de checked September 26, 2026
Backs: Deposit protection, Licences
- bling.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity
“Bling Services GmbH, Urbanstrasse 71, 10967 Berlin, Deutschland”
- bling.de/ueber-uns/fragen checked September 26, 2026
Backs: Access terms, Account kind, Founded, Minimum deposit, Monthly fee, Rate type, Support channels, Term
“Bling is bookable monthly or yearly and can be cancelled at any time; your balance is held on a separate account at our bank partner under the statutory deposit guarantee system.”
- finextra.com/company-news/8392/bling-card checked September 26, 2026
Backs: Audience, Card type
“prepaid pocket money card and financial education app for kids in Germany”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate.
Bling (formerly Penta)
A small, protected pot of money for a child, managed from a prepaid card.