New Kontist Union

The most powerful banking tool for freelancers

Empowering independent workers with a fresh take on business banking in Germany.

Hero Illustration
CreditCard showing behind iPhone

Not your standard business account

No need to stress - you save time and money with the first automated free business bank account with tax calcuation, automated bookkeeping and an expense management minded Mastercard.

Seen in
Kontist press mentions

Opening an account is a breeze

With our mobile banking app you can open a business bank account in under 10 minutes, and do your banking anywhere, anytime. Transaction notifications ensure you never miss an account update. Paper, frown and hassle free.

Phones showing Tax Accounts
Full Banking Mobile Account and Credit Card

Your German business bank account, free of charge

Your business account comes with a German IBAN and deposit insurance. It has all the standard things like your balance, a transaction list and the ability to send and receive money. The account makes it easy to separate your private from your business finances, simplifying your bookkeeping.

Escape the “tax trap” with real-time tax calcuation

With Kontist, you get an overview of what you owe for taxes and how much disposable monthly net income is left. The account automatically sets aside your income tax and value-added tax on revenues and stores them in virtual sub-accounts, to ensure you're never surprised by a tax payment.

Category Business
Invoice #43

Income with VAT

+ 1038,00 €
Category Business

Income Tax

- 262,00 €

Category Business

Value Added Tax

- 166,00 €

Kontist Debit Karte

New bookkeeping Mastercard

Your Mastercard is linked directly to your business account. In addition to cashless payment, it helps you get an overview of your business purchases. Any card payment you make will be automatically saved in your account, and you will be prompted to categorize it. The system is constantly learning, so that automatic categorization will possible in the future.

Automated accounting

Transactions, from invoices to expenses, can be categorized easily in your account. Additionally, Kontist integrates with your accounting system* to automatically synchronize your transactions with your accounting records. This makes it easy to manage incoming receipts, reconcile reminders and payments received, and keep a real-time overview of revenues and expenditures.

*Currently we integrate with Debitoor. Other providers coming soon.

Connect Kontist and your Bookkeeping

A word from the Twitterverse

Don't just take it from us! Here is the latest on Kontist from Twitter, where you'll hear feedback and news straight from our customers, partners, and competition. Join the conversation and tweet @kontist.

Dieses Zusammenspiel: @Kontist und @debitoor_de. Ein Traum 😍👌🏻!!! Ihr schenkt mir wertvolle Zeit, Danke.

Zu Bank Fragen via @intercom chatten. I love it. Danke @Kontist

🔥🔥 @Kontist + @debitoor 🔥🔥

Wahnsinn! Überweisung von @Kontist zu @n26 in einer Stunde erledigt! #fintech #modernbanking

Ich weiß, wir leben in der dunkelsten Timeline. Aber ich hab gerade ein Geschäftskonto eingerichtet. Per App. In meinem Pyjama. @Kontist

Gewinner “FinTech des Jahres”-Award: @bilendoapp , @n26 , @Kontist @figoAPI Details hier… Herzlichen Glückwunsch

Security at Kontist

Encryption Icon

When transmitted, your financial and user data is encrypted and sent using SSL. All in-app transactions are secured by two-factor authentication.

Regulation Icon

Your assets are secured by the European Deposit Guarantee Fund in case of insolvency up to € 100,000. This is the standard for all European credit institutions.

TrustedServers Icon

Kontist accounts are held by solarisBank AG, which is regulated by The Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) better known as BaFin.


Made by freelancers for freelancers

We believe freelancers deserve to have a financal life that is as uncomplicated as that of an employee. In an effort to bring this vision to life, we've gathered a team of experienced freelancers from the whole of Germany, Europe and the U.S., who care about the same issues, to develop a better way for freelancers to manage their money.

Strenghten your business with real-time financial information.