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Available now: Overdraft

Financial flexibility for your business

Which business expenses are ahead of you – upcoming invoices, the pre-financing of goods, or larger purchases? Whatever happens, don't worry about your cashflow: You can now apply for an overdraft between 500 € and 5,000 € on your Kontist account.

Available for

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Bridge financial straits

Planning certainty for your self-employment

Most freelancers and the self-employed know: Sometimes you simply have to bridge an income gap for a little while. If you need additional liquidity, a cushion for the next direct debit, or if you just like to know that there is a buffer on your account, Kontist can now offer you an overdraft up to 5,000 €. Apply for your overdraft now and cancel it anytime in your Kontist app.

Overdraft within a few minutes

A cushion in the case of financial straits

Individual overdraft on your Kontist account

credit line between 500 € and 5,000 € 

Easy & fast application

in your Kontist app – feedback within a few minutes

Fair interest rate

and no additional fees

Interest rates only on the amount you use

and due at the end of each quarter

Cancel anytime

with just a few clicks directly in your Kontist app

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App Store
4.6
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Google Play
4.5
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Trustpilot

Application & cancellation directly in the app

Retain full control

Apply for your individual overdraft right in your Kontist app – easy & fast. Get feedback within a few minutes.

Individual credit line between 500 € and 5,000 €

Bye bye paperwork: Apply for your overdraft right in your Kontist app and get feedback within a few minutes.

Fair interest rate: 11% on the amount you use, due at the end of each quarter. No additional fees.

Cancel anytime – retain full control and stay just as flexible as you want to.

Marcel Krippendorf

"You can't really make it any easier for a self-employed to organize their finances than Kontist!"

Marcel Krippendorf, Shopware Freelancer and Kontist Customer

Do your thing, not your taxes