Kontist is a German business account for freelancers, the self employed and small companies such as a GmbH, UG or GbR, 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, self employed people and small companies 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 11 euro per month plus VAT, as of 11 October 2026.
- Account type
- Business current account for freelancers, the self employed and small companies.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Kontist provides a business current account aimed at freelancers, self employed people and small companies in Germany. Its main draw is tax functionality tied to German rules, including automatic estimation of tax to set aside. The free plan covers five SEPA transfers and direct debits each month, with a per transaction charge after that, while paid plans add more transactions and features. As of 11 October 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
| Monthly fee | Free plan no monthly fee; Start plan 11 euro per month plus VAT; Plus plan 25 euro per month plus VAT, as of 11 October 2026. |
|---|---|
| Transaction fees | SEPA transfers and direct debits included each month: 5 on Free, 30 on Start, 100 on Plus. Each further transaction carries a charge. Kontist's own pages quote different amounts for it, so confirm the current charge with Kontist. As of 11 October 2026. |
| FX fees | Card payments and cash withdrawals in a foreign currency cost 2% on Free, 1.75% on Start and 1.5% on Plus, as of 11 October 2026. |
| Minimum deposit | No headline minimum deposit is published. Verify with the provider, as of 11 October 2026. |
| Multi currency | This is a euro account and not a multi currency account, as of 11 October 2026. |
| Integrations | Automatic tax reserves on every plan. The Plus plan adds integrated bookkeeping. 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 11 October 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 11 October 2026.
Visit Kontist →Kontist by country
Questions about Kontist
Is Kontist available outside Germany?
Does Kontist have a free account?
Who is Kontist designed for?
Does Kontist help with German taxes?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Kontist before applying.