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 manage their daily business payments centrally, including recurring transactions and expenses with a physical or virtual card. 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 keep track of 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, which reduces 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 working style.