Banking for Freelancers & the Self-Employed
The only bank account that calculates and reserves your taxes in real-time.
Free account
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Tens of thousands of happy customers
Join the tens of thousands of freelancers and sole traders who already trust Kontist.
I love Kontist. Since starting my self-employed journey I count on this bank account that does just what I need it to. You can't really make it any easier for a self-employed to organize their finances than Kontist!
Marcel Krippendorf, LinkedIn
Since I started using Kontist I have a much better overview over my spending, taxes and a clear grasp on my finances!
Laura Friedrich, Web
Banking so easy – that's how smart banking works. My finances are organized easily, safely and with a clear overview!
Yvonne Gabriel, LinkedIn
Hey @Kontist and @lexoffice! Since I decided to use your apps & tools, accounting has become a lot easier and even fun! Thank you!!
Keno Hellmann, Twitter
World Premiere: Dynamic Advance Tax Payments
Always pay as much income tax as you really need to – not too much, not too little. Kontist does the calculation and sends the application to the Finanzamt via ELSTER.
Real-Time Tax Forecasting
Keep track of what you owe, always know your true disposable income — and never worry about tax traps again. Kontist automatically calculates income tax and VAT on your transactions and sets aside reserves into virtual sub-accounts.
Accounting Synchronization
Connect Kontist and your accounting tool to automatically synchronize incomes and expenses. Scan receipts right after a card purchase to ease your bookkeeping. You will save time and energy every month.
Accounting and Banking with Duo for just €12/month
Kontist Premium bank account
Unlimited invoices and offers with lexoffice
Digital expense management
Real-time sync of banking and accounting
DATEV export and tax advisor access
Track expenses with your Mastercard
Control your expenses with your Mastercard Business Debit. Every transaction is confirmed via push notification and can be categorized immediately. The system is constantly learning, opening the door for automatic categorization.
A German bank account & IBAN with no paperwork
No paperwork, no self-disclosure, no hassle. Kontist offers completely paperless account opening in less than 10 minutes. Your business bank account comes with a German IBAN and the €100,000 deposit protection fund that goes with it. Your money is in good hands.
Your finances at a glance
Kontist provides real-time updates on your balance and transactions. Kontist also calculates your taxes and saves money for them on virtual sub-accounts. 100% digital and 24/7 accessible on Android & Apple iOS & online in your web browser.
Your true net income
Kontist shows you clearly how much disposable funds you really have.
Incoming and outgoing payments
You get an overview of all transactions and can categorize them with just a couple of taps.
Your tax reserves
Kontist calculates your income tax and VAT and saves up for them automatically.
Security at Kontist
Kontist is built on the safest foundations, so you don’t need to worry about your finances, ever.
Biometric Login
Log in with your fingerprint or Face ID to make using Kontist not just safer, but convenient too.
Multi-Factor-Authentication
3D Secure, SMS TANs and more let you stay in total control of your SSL-encrypted account.
100.000 € Deposit Protection
Your bank account is held by solarisBank, a fully licensed German bank with all the guarantees that go with it.
World Class Support
Our team is there for you via chat, mail, and phone whenever you have questions.