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
on App Store
4.5
on Google Play Store
Users love the Kontist app
4.5
in the Google Play Store
4.7
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.
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).
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.
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.
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
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
- SEPA instant transfers
- Real-time tax estimation
- Business account with German IBAN
- 5 SEPA transfers & direct debits
Kontist Start
Kontist Plus
Kontist Free
- SEPA instant transfers
- Real-time tax estimation
- Business account with German IBAN
- 5 SEPA transfers & direct debits
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.
"I feel very well taken care of and can wholeheartedly recommend Kontist."
"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".
