Kontist business account review fees, eligibility and availability

Snapshot

Kontist is a German business account built for freelancers and the self employed, with tax features designed for German rules. It offers a free plan and paid plans, and is available to people who are registered and tax resident in Germany.

Who it suits: Freelancers and self employed people based and tax registered in Germany who want a business account with built in German tax estimation. Not built for businesses outside Germany.
Broadly available in: Germany only.
Headline monthly fee: Free plan at no monthly fee; paid plans from about 11 euro per month plus VAT, as of 1 June 2026.
Account type: Business current account for freelancers and the self employed.

Fees and features as of 1 June 2026Last reviewed 1 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Kontist is a German business account for freelancers and the self employed. As of 1 June 2026 it offers a Free plan, a Start plan at about 11 euro per month plus VAT, and a Plus plan at about 25 euro per month plus VAT, with German tax estimation features. You must be registered and tax resident in Germany to open one. Confirm current terms with the provider.

Overview

Kontist provides a business current account aimed specifically at freelancers and self employed people in Germany. Its main draw is tax functionality tied to German rules, including automatic estimation of tax to set aside. The free plan covers a limited number of fee free SEPA transfers each month, with a per transfer charge after that, while paid plans add more transfers and features. As of 1 June 2026 the account is offered to people who are officially registered in Germany and file their taxes there.

Strengths

Built around German tax rules, with tax estimation that helps freelancers set money aside. A free plan is available. Fully digital onboarding for people registered in Germany.

Limitations

Available only to people registered and tax resident in Germany, so it does not suit businesses elsewhere. The free plan limits fee free transfers, after which a per transfer charge applies. Paid plans add VAT on top of the listed price. Verify current limits and pricing with the provider.

Fees and features

All figures as of 1 June 2026. Verify current terms with Kontist.
Monthly fee	Free plan no monthly fee; Start plan about 11 euro per month plus VAT; Plus plan about 25 euro per month plus VAT, as of 1 June 2026.
Transaction fees	The free plan includes a small number of fee free SEPA transfers per month, then about 0.40 euro plus VAT per transfer; paid plans include more. Verify with the provider, as of 1 June 2026.
FX fees	Kontist is a euro account for the German market. Confirm any foreign payment options and fees with the provider, as of 1 June 2026.
Minimum deposit	No headline minimum deposit is published. Verify with the provider, as of 1 June 2026.
Multi currency	This is a euro account and not a multi currency account, as of 1 June 2026.
Integrations	Offers tax and accounting features and related tools for German freelancers. Confirm current integrations with the provider.
Eligibility	You must reside in Germany with official registration, file taxes in Germany, hold a valid identity document, and be at least eighteen, as of 1 June 2026.

Open a Kontist business account

Availability and fees vary by country. Check the Kontist by country pages below for your market, then confirm current terms with the provider. Shown as of 1 June 2026.

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Kontist by country

Questions about Kontist

Is Kontist available outside Germany?

No. As of 1 June 2026 Kontist is available only to people who are registered and tax resident in Germany. It is built around German tax rules and is not designed for businesses in other countries.

Does Kontist have a free account?

Yes. As of 1 June 2026 there is a free plan with no monthly fee that includes a limited number of fee free SEPA transfers each month, after which a small per transfer charge applies. Paid plans add more features. Confirm current terms with the provider.

Who is Kontist designed for?

Kontist is built for freelancers and self employed people in Germany who want a business account with German tax estimation built in. Larger companies may find the feature set narrower than a full business bank, as of 1 June 2026.

Does Kontist help with German taxes?

Kontist includes tax estimation features that calculate an amount to set aside based on German tax rules. It is a planning tool, not tax advice. Confirm details with the provider and your tax adviser, as of 1 June 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 1 June 2026. Confirm current terms with Kontist before applying.