Professional online banking for small business owners

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.

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.

Definitely. Kontist is designed specifically for freelancers and the self-employed in Germany, including those just starting out. You'll get a fully digital business account with tools that help you stay organized from day one.

No problem. If you switch from Kleinunternehmer status to regular VAT payments, you can make the adjustment in the Kontist app settings. From that point on, the app will automatically calculate VAT for you at the desired rate.

It does. Kontist integrates seamlessly with popular accounting tools like lexoffice, sevDesk, Fastbill and others. Your transactions are automatically synced, so you can save time on bookkeeping and reduce manual errors. This is ideal for small businesses that want to streamline their finances.

You’re welcome to open a Kontist account before you register your business. Just make sure to update your business details in the app once you’re officially registered. You’ll need to enter your tax number so that it can be applied to the relevant transactions. Kontist is built to support you at every stage of your self-employment journey.