Kontist

Kontist is a business account built specifically for German freelancers, sole traders, and small businesses, including GmbH, UG, and GbR. It's best known for a real-time tax estimation feature that automatically sets aside a share of every incoming payment for taxes.

Accounts are held with Solaris SE, a licensed German bank regulated by BaFin and the European Central Bank, so deposits are protected up to €100,000 under European deposit guarantees.

Good to know:

• Free plan available, with paid tiers for more subaccounts and bookkeeping tools
• Real-time tax estimation for VAT and income tax
• Up to five subaccounts for organising savings and expenses
• Requires German residency with an Anmeldung and a valid ID