Snapshot
Kontist and Qonto compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Kontist figures as of 1 June 2026Qonto figures as of 10 June 2026Last reviewed 25 June 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Kontist and Qonto suit different businesses. Use the comparison below to weigh account type, fees, currency support and eligibility against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 1 June 2026 for Kontist and 10 June 2026 for Qonto.
Kontist vs Qonto at a glance
| Feature | Kontist | Qonto |
|---|---|---|
| Account type | Business current account for freelancers and the self employed. | Business current account from a licensed payment institution, with a local IBAN. Not a deposit taking bank. |
| 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. | Registered companies, startups and freelancers in the countries Qonto serves that want a euro business account with cards, expense controls and accounting integrations. |
| 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. | From about EUR 9 a month for Basic, with team plans from about EUR 49 to EUR 199 a month, excluding VAT, as of 10 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. | Plans include an allowance of SEPA transfers and card payments, with charges beyond the allowance. Extra cards and added users cost more. Verify current allowances with Qonto. |
| 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. | Foreign currency transfers are available and priced separately from euro payments. Confirm the current cost with Qonto, as of 10 June 2026. |
| Minimum deposit | No headline minimum deposit is published. Verify with the provider, as of 1 June 2026. | No minimum deposit for most plans. Company creation plans handle share capital deposits separately, as of 10 June 2026. |
| Multi currency | This is a euro account and not a multi currency account, as of 1 June 2026. | Primarily euro accounts with foreign currency transfers in a range of currencies. Broad balance holding in many currencies is limited. Verify with Qonto. |
| Integrations | Offers tax and accounting features and related tools for German freelancers. Confirm current integrations with the provider. | More than 80 accounting and software integrations, including Xero, Stripe, PayPal and Zapier, as of 10 June 2026. |
| 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. | Registered companies, micro enterprises and freelancers in the eight countries Qonto serves, subject to verification. |
| Broadly available in | Germany only. | France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 10 June 2026. |
Use the table to weigh the differences. Kontist and Qonto tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 1 June 2026 for Kontist and 10 June 2026 for Qonto. Confirm current terms with the provider before applying.
Read the Kontist review → Visit Qonto →Questions about Kontist and Qonto
Which is better for my business, Kontist or Qonto?
It depends on your needs. The table on this page compares Kontist and Qonto on account type, fees, currency support, eligibility and availability using each provider's published terms. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I open both Kontist and Qonto?
Often yes, subject to each provider's eligibility rules. Some businesses keep more than one account, for example one for everyday banking and another for currency conversion. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Kontist figures are shown as of 1 June 2026 and Qonto figures as of 10 June 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 25 June 2026. Confirm current terms with each provider before applying.