Bank Account Without SCHUFA: For the Self-Employed & Small Businesses

The SCHUFA score is a numerical value that reflects your creditworthiness. It is calculated by SCHUFA (Schutzgemeinschaft für allgemeine Kreditsicherung) based on your past financial data — for example, existing loans, outstanding payments, or your payment behavior with mobile phone contracts.

Yes, it’s possible. Some providers — such as Kontist — offer business accounts specifically for the self-employed that do not require a SCHUFA check.

SCHUFA is used by many banks to assess a customer’s creditworthiness and payment reliability. A positive SCHUFA score can therefore be helpful, but it is not strictly necessary to open a business account — especially with modern fintech solutions for the self-employed.

Yes. Business accounts without a SCHUFA check are absolutely safe — provided they are managed by regulated banks or in partnership with licensed institutions. At Kontist, for example, account management is handled by Solaris SE, a fully licensed German bank subject to the European deposit guarantee scheme.

The core features of the account — such as SEPA transfers, sub-accounts, the invoicing tool, and real-time tax estimation — are fully available even without a SCHUFA check.

Please note, however: Without SCHUFA information, you will not be able to use our credit products.