Kontist: The Deutsche Bank alternative for busy freelancers

Transparency matters to us. That’s why we’ve put together this overview, comparing our business account with Deutsche Bank’s business account — so you can easily see which option fits you best.

  • Comprehensive comparison of Kontist and Deutsche Bank
  • Find the best solution for your business
Kontist vs. Deutsche Bank
Kontist Google Play Store

4.5

Rating star

in Google Play Store

Kontist App Store

4.7

Rating star

in App Store

Users love the Kontist app

Banking: Kontist vs Deutsche Bank

Who offers the best banking solutions?

Kontist

Deutsche Bank

Free bank account

yes

no

German IBAN

ja

ja

Overdraft facility

Yes (not available for GmbH/UG/GbR-Konten)

Yes (must be individually negotiated with bank)

Bank statements

Ja

Ja

Subaccounts

3 with Start, 5 with Plus

First free, €6,00 /month per addition subaccount

Free SEPA credit transfers and direct debits

5 to 100/month

€0.35 per transaction

Visa Business Debit Card

Virtual and physical

Virtual and physical

Automatic tax calculation

Ja

Nein

Apple Pay & Google Pay

Ja

Ja

Authorization via biometrics

Ja

yes

Standing orders

Ja

Ja

Batch transfers

Ja

Ja

Mobile Apps (iOS & Android)

Ja

Ja

Web app

Ja

Ja

Real-time notifications

Ja

Ja

Bookkeeping & Taxes: Comparison

Find the best integrated accounting solution.

Kontist

Deutsche Bank

Invoicing tool

Ja

no

Receipt scanning tool

Ja

no

Transfer of VAT to the tax office

available for Plus

Nein

AI-supported bookkeeping

available for Plus

no

Manually add external transactions

available for Plus

Nein

Business assets handling

available for Plus

nein

Integration with external
bookkeeping tools

yes

Ja

Business evaluation (Betriebswirtschaftliche Auswertung)

available for Plus

Nein

Export: Kontist vs Deutsche Bank

Which solution offers better export functions?

Kontist

Deutsche Bank

CSV Export

Ja

Ja

MT940 Datev export

from Start

Ja

Export of business evaluation

available for Plus

nein

DATEV format export incl. documents

available for Plus

no

Customer support comparison

Find the banking solution that truly listens to your needs.

Kontist

Deutsche Bank

Chat & E-Mail

Ja

Ja

Blog & help center articles

Ja

Ja

Phone support

Ja

yes

In-person support

no

yes

Practical tools make the difference

Both Kontist and Deutsche Bank offer the basic elements of business banking, such as a German IBAN and the ability to send and receive payments. But Kontist has integrated a variety of tools and features that support users with bookkeeping and their taxes. That means more time for your clients.

Key Features of the Kontist Business Account

The Kontist business account helps you to keep track of transactions, your cash flow and your tax liability.

Overdraft facility

Avoid the stress of unexpected expenses. Set up an overdraft facility of between €500 and €3,000 directly in your Kontist app.

Real-time tax estimate

For each transaction, Kontist calculates the income and sales tax that’s due. This way, you always see what you have left at the end of the day after taxes.

Auto-categorization

Your business account learns along with you, because categories you change will automatically be applied to similar transactions in the future.

Notes and receipt scan

For each transaction, you can upload the appropriate receipt and add your own notes, which will be displayed during export.

Easy account switching service

With our account switching service, your switch to Kontist is straightforward, free of charge and done online.

Google Pay & Apple Pay

Use contactless payment with your Kontist Visa card and manage everything directly in the app.

10,000s of freelancers trust in Kontist

Chiara Bachmann

Chiara Bachmann

CFO

"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

Questions about Kontist and Deutsche Bank?

Who is Kontist?
Who is Deutsche Bank?
How does the overdraft facility work?
How much does it cost for Kontist to transfer my VAT declaration to the tax office?
How does Kontist estimate my taxes?
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