The Kontist business account is now also available for GmbHs, UGs, GbRs... Simply download the mobile app and get started.

×

Free business banking that takes the stress out of taxes

  • Free business account
  • Real-time tax estimation
  • Visa Business Debit Card
  • And paid versions for expanded functionality

4.7

Rating star
Apple store icon

on App Store

4.5

Rating star
google play store

on Google Play Store

Hero image
Kontist Google Play Store

4.5

Rating star

in the Google Play Store

Kontist App Store

4.7

Rating star

in the App Store

Users love the Kontist app

The perfect first step on your self-employed journey

Get off to a good start by getting your finances and taxes right. Our free business account empowers you to concentrate on your clients while it sorts your cashflow for you. Whether you're self-employed as a freelancer or the owner of a SME, Kontist offers a solution that grows with you.

Practical features that make doing business easier

Tax estimation

Always know exactly how much money you have. Your Kontist account calculates – and sets aside – your taxes as you go.

Subaccounts

Organize your finances the way you want. With up to five subaccounts, you can save for taxes, create reserves for expenses or anything else.

Receipt management

Never miss another chance to write off an expense by assigning the receipts you receive directly to the transaction.

Image

The all-in-one solution for online business banking

Kontist business accounts are managed by our partner Solaris – a licensed German bank with the German Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).

icon

Full Flexibility

If needed, you can access an overdraft facility at any time — with fair conditions. Plus, with up to five subaccounts, you can organize your money exactly the way that works best for you.

icon

Complete Security

Your money is held securely in a regulated German IBAN account and protected by the European deposit guarantee of up to €100,000. It is never invested, moved or lent out.

icon

Reliable Availability

We’re here for you when you need us. If you have any questions, you can contact our team directly or simply use the chat to get quick support.

All banking services are provided bySolaris

Open a free business account in just a few clicks

1. Get the Kontist app

Download the app for Android or iOS.

2. Fill in your details

The app will guide you through the initial steps.

3. Confirm your identity

Our partner IDnow will verify your identification in a short video call.

4. Get back to business

You’re ready to send and receive payments. It’s that simple!

Every function that you
expect from a bank

Send and receive SEPA transfers

Use direct debit for recurring payments

Withdrawal cash both locally and internationally

Create batch transfers and standing orders

Move money with real-time transfers

Image

All your business finances in one place

Visa Business Debit Card

Your physical Kontist Visa card allows you to make international payments as well. Kontist Start and Plus also include a virtual Visa card for easy, contactless payment.

Kontist App

Kontist is designed to save you time and centralize your business finances. From transfers to tax preparations, take care of it all right on your smartphone.

Kontist is made for your business

Freelancers

Kontist is designed to help self-employed people in Germany succeed – with features made to make business banking easy.

Small business owners

Even if you don't pay VAT in Germany (Kleinunternehmer), Kontist still offers you a wide range of functions that can make life easier.

GmbH/UG/GbR

If you’re running a business, our solution offers the flexibility and security to do your banking with ease.

Companies in creation

Just getting started? There’s no better way to begin than to have a banking solution that’s built for business in Germany.

One account – plenty of possibilities

Always available for free. Always ready when you need more.

Kontist Free

€0
Your business account with a physical Visa debit card.
  • SEPA instant transfers
  • Real-time tax estimation
  • Business account with German IBAN
  • 5 SEPA transfers & direct debits

Kontist Start

€11
/ month plus VAT

Kontist Plus

€25
/ month plus VAT

Live Support

Help is never far with the Kontist App from Kontist GmbH. The integrated chat connects you straight to our customer support team who will aid you quickly in all matters.

Hi! Our team at Kontist is here to help you with any questions you might have.

Philipp from Kontist

10,000s customers trust in Kontist.

Chiara Bachmann
Chief Financial Officer

"I feel very well taken care of and can wholeheartedly recommend Kontist."

Deva Noori Lehmann
Deva Noori Lehmann
Virtual assistant

"The best thing about Kontist is that I can see immediately after each transaction how much is left for me and how much goes to the tax office. This saves me from nasty surprises when I file my tax return".

Marvin Schwarz
Marvin Schwarz
Audio producer

You have questions? We have answers.

Who can open a Kontist account?
What makes Kontist different from other business accounts?
Is Kontist really free?
Is Kontist a “real” bank?
Is a Kontist account suitable for small and medium-sized businesses?
What kind of support does Kontist provide?
;