The Holvi alternative: Find out what makes Kontist different.

Make your choice an informed one. See how Kontist compares to Holvi — and understand why one might be a better fit for you.

  • Comprehensive comparison of Kontist and Holvi
  • Find the best solution for your business
Holvi vs Kontist comparator
Kontist Google Play Store

4.5

Rating star

on Google Play Store

Kontist App Store

4.6

Rating star

on App Store

Users love the Kontist app

Banking: Kontist vs Holvi

Who offers the best banking solutions?

Kontist

Holvi

Free bank account

yes

yes

German IBAN

yes

yes

Overdraft facility

Yes (not available for GmbH/UG/GbR accounts)

no

Bank statements

yes

yes

Sub-accounts

from Premium

yes

Free SEPA credit transfers and direct debits

10 for Free and Premium, unlimited for Bookkeeping

no

Visa Business Debit Card

Virtual for Free, virtual and physical for Premium and Bookkeeping

Virtual and physical

Automatic calculation of income tax

yes

no

Automatic calculation of VAT

yes

yes

Apple Pay & Google Pay

yes

yes

Authorization via biometrics

yes

yes

Standing orders

yes

yes

Batch transfers

yes

yes

Mobile Apps (iOS & Android)

yes

yes

Web app

yes

yes

Real-time notifications

yes

yes

Bookkeeping & Taxes: Comparison

Find the best integrated accounting solution.

Kontist

Holvi

Invoicing tool

yes

Pro & Pro+

Receipt scanning tool

yes

yes

Transfer of VAT to the tax office

available for Bookkeeping

no

AI-supported bookkeeping

available for Bookkeeping

no

Manually add external transactions

available for Bookkeeping

yes

Business assets handling

available for Bookkeeping

no

Integration with external
 bookkeeping tools

from Premium

yes

Business evaluation (Betriebswirtschaftliche Auswertung)

available for Bookkeeping

no

Export: Kontist vs Holvi

Which solution offers better export functions?

Kontist

Holvi

CSV export

yes

yes

MT940 Datev export

from Premium

no

Export of business evaluation

available for Bookkeeping

no

DATEV format export incl. documents

available for Bookkeeping

yes

Customer support comparison

Find the banking solution that truly listens to your needs.

Kontist

Holvi

Chat & E-Mail

yes

yes

Blog & help center articles

yes

yes

Phone support

yes

no

Automated tax calculations.
Real financial clarity.

Holvi and Kontist both offer digital business accounts tailored to freelancers, but Kontist stands out with its deep integration of tax features specifically designed for the German market. While Holvi supports general bookkeeping and invoice tools, Kontist goes further by automatically calculating income and VAT taxes in real time, setting aside the correct amounts in dedicated sub-accounts, and even submitting VAT returns directly to the tax office.

Key Features of the Kontist Pro Bank 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 Holvi?

Who is Kontist?
Who is Holvi?
How does Kontist estimate my taxes?
How does Kontist's AI-supported bookkeeping work?
How does Kontist’s support work?
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