The business account made for freelancers in Germany

It’s pretty straightforward. You set your tax rate in the app and Kontist then calculates your estimated income tax and VAT in real-time for each incoming transaction. 

The app then sets the estimated tax amount aside so that there are no unpleasant surprises when tax season comes.

Kontist Plus users can have their VAT declarations transferred directly to the tax office at no additional charge. For income tax, you’ll need to file on your own. Or better yet, use the apps versatile export features to have everything ready for your tax advisor.

We don’t recommend giving your tax advisor direct access to your Kontist account. However, you can easily export your transactions and documents in formats compatible with most bookkeeping and tax software. This makes it simple to share the data with your tax advisor, either directly or through connected tools like DATEV, lexoffice or sevDesk.

Kontist besitzt keine eigene Banklizenz, arbeitet aber mit der Solarisbank SE zusammen – einer vollständig regulierten deutschen Bank mit Lizenz der BaFin und der Europäischen Zentralbank. Die Solarisbank SE führt die deutschen IBAN-Konten, verwaltet die Einlagen und garantiert den europäischen Einlagenschutz bis zu 100.000 €.

Wichtig zu wissen: Dein Geld bleibt genau dort, wo es hingehört. Es wird von der Bank weder investiert noch anderweitig bewegt.

Absolutely. In fact, we recommend keeping your business and private finances separate. Kontist is designed to be your dedicated business account — and works perfectly alongside your private account to help you stay organized and compliant with German tax regulations.

No need to worry. Your Kontist account is held by Solaris, a fully licensed German bank regulated by BaFin and the European Central Bank. Your deposits are protected under the European deposit guarantee scheme, covering up to €100,000 per customer. Your money is never invested or loaned out.

All Kontist plans give you access to basic features like a business account with a German IBAN, a physical Visa card, real-time tax estimation and receipt management. Paid plans like Start and Plus offer additional benefits, such as more free SEPA transactions, a virtual Visa card, premium support, subaccounts and bookkeeping tools.

Yes, definitely. Kontist Free is particularly good for those who are just starting out or don’t have a high volume of transactions. You’ll get a full business account with real-time tax estimation, a Visa debit card, and up to five subaccounts. As your business grows or your needs become more complex, you can always upgrade to a paid plan at any time.