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Banking for Freelancers & the Self-Employed

Save taxes, time and money with the only bank account that calculates your taxes in real-time.

Free account

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Now available: Overdraft. Apply directly in your Kontist app. More info

Join tens of thousands of happy customers

Tens of thousands of freelancers and self-employed people already trust Kontist.

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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, Shopware Freelancer, LinkedIn

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Since I started using Kontist I have a much better overview over my spending, taxes and a clear grasp on my finances!

Laura Friedrich, Graphic Design, Web

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Banking so easy – that's how smart banking works. My finances are organized easily, safely and with a clear overview!

Yvonne Gabriel, Expert for Customer Relationships, LinkedIn

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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, Online Entrepreneur, Designer & Freelance Musician, Web

The bank account that helps you best during Corona

9 euros per month, 9 minutes is all it takes to open the account from home

Separates business from personal finances to help qualify for financial relief

Automated liquidity analysis to better manage the crisis

Extra crisis support including expert webinars and legal hotline 

Contactless card payments with your free Visa Card

For an extra fee: individual Corona aid consulting service for freelancers

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.

Track expenses with your Visa Business Debit Card

Control your expenses with your Visa Business Debit Card. Every transaction is confirmed via push notification. Through machine learning, all your transactions are now categorized automatically to save you time. The system is constantly learning from your decisions, getting better every time.

A German bank account & IBAN with no paperwork

No paperwork, no self-disclosure, no hassle. Kontist offers completely paperless account opening in only 9 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 it on virtual sub-accounts. 100% digital and 24/7 accessible on Android, Apple & in your web browser.

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Your true net income after tax

Kontist shows you clearly how much disposable funds you really have.

Incoming and outgoing payments

Get an overview of all transactions and save time through our innovative automated categorization, still leaving all decision-making up to you.

Your tax reserves

Kontist calculates your income tax and VAT and saves up for them automatically.

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App Store
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Google Play
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Trustpilot

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.

Do your thing, not your taxes