Kontist

Overview

Kontist is a digital business account solution focusing on freelancers, the self-employed, and sole proprietors. The account supports SEPA transfers, direct debits, and card payments, and is managed via a mobile app and a web interface. Users receive local IBANs and can centrally manage their daily business payments, including recurring transactions and expenses with physical or virtual cards. A core feature of Kontist is the integrated tax logic. The app calculates estimated tax liabilities, such as income tax and VAT, in real time and reserves corresponding amounts in sub-accounts. This ensures that users always know how much of their account balance is actually freely available. In addition, Kontist offers interfaces to accounting and tax advisory solutions as well as receipt capture features, reducing administrative effort. Kontist is primarily aimed at individuals who want to map their business finances and tax obligations in a single, intuitive environment. The combination of a business bank account, automated reserve creation, and integrable accounting support makes the platform a suitable solution for solo entrepreneurs with a digital work style.