The digital business account for the self-employed

Keep track of your finances by automatically building reserves for your taxes.

  • iconWeb App and Mobile App
  • iconApple Pay and Google Pay
  • iconFirst class customer support
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Banking has never been so easy

Everything at a glance

You want to focus on your business instead of juggling your finances. Kontist allows you to conveniently manage your finances - on desktop and smartphone.

SEPA transfers and direct debits

Each customer has 10 free transactions every month. After that 0,15€ (+ VAT) per transaction will be charged.

Real-time tax estimation

For each transaction, Kontist calculates the income and sales tax due and automatically sets aside these reserves in virtual sub-accounts.


Your business account learns with you, because categorizations changed by you will be automatically applied to the type of transaction in the future.

Notes and Receipt Scanning

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

Security with us and our account-holding partner

Solaris is a german full-service bank licensed by the German Federal Financial Supervisory Authority (BaFin) and the European Central Bank (ECB).


German IBAN

Your money is held in a regulated german bank account.


100.000 € deposit guarantee

Your funds are covered by the european deposit guarantee.


In one place

Your deposits are not invested, moved or lent out.



Multi-level authentication for transactions & biometric login.


Always there for you

24/7 access to your account via the Kontist App.


Live support

Reach us Mon – Fri 9am – 6pm via chat.

All banking services are provided bySolaris

Always by your side

Visa Business Debit Card

Your virtual Kontist Visa card is always available in your Kontist App and allows you to make international payments as well. Kontist Premium and Bookkeeping also include a physical Visa card. In Kontist Free, you can simply add it in the app.

Learn more.

Kontist App

Kontist is designed to save you time and nerves. Open your account in just 9 minutes and start using it immediately. Available on the desktop via the Web App and on the smartphone.

Learn more.

Invoicing Tool

Finally get rid of your old Word invoice template: Your new basic invoice tool is directly integrated with Kontist Banking. Use our invoice tool in Kontist Free, as well as unlimited in Premium and Bookkeeping. Only in the Web App.

Learn more.


Planning certainty for your self-employment

Bridge financial straits with an overdraft

Individual overdraft

Credit line between 500 € and 3.000 € 

Save time and paperwork

Simply apply in the Kontist App and receive a response after 30 minutes

Fair interest rate

11% only on the amount used. Due only at the end of the quarter and without additional fees

You are in control

Cancel anytime easily in your Kontist App

One account - many options

Everything for your bookkeeping

Kontist Free

0 €*
/ month plus VAT
Business account with virtual Visa card. *For monthly transaction over 300€. If you have less than 300€ transaction volume (total incoming and outgoing transactions) you pay 2€ / month.
  • Apple Pay & Google Pay
  • Overdraft

Kontist Premium

9 €
/ month plus VAT

Kontist Bookkeeping

29 €
/ month plus VAT

Kontist Complete

79 €
/ 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