Behind Kontist is a FinTech start-up based in Berlin. The company itself does not have a licence to offer banking services, but cooperates with Solaris Bank. Kontist offers a business account in two variants. The Kontist Free is a business account that offers free account management and a virtual VISA credit card. It is therefore suitable for all those who can limit their business account to these essential services. If you are looking for a little more performance, choose the Kontist Premium account. Although it costs a little more, it offers many advantages by being linked to accounting software.

Kontist Premium Business Account Services

The Kontist Premium business account primarily offers account management via the app. This allows free transfers to be made. In addition there is a free virtual and a physical credit card if the account holder wishes this. The account holder is informed of his account balance at all times via real-time notifications.

It is possible to set up sub-accounts for the premium account and thus clearly separate individual business transactions from each other. Very interesting is the coupling with the accounting and the tax program. A tax calculation can be created for the premium account at any time. Automatic reserve accounts ensure the creation of reserves for a wide variety of purposes without the account holder having to think about it.

Who is the Kontist Premium business account suitable for?

The Kontist Premium is primarily intended for the self-employed who want an all-inclusive package for their financial transactions and who want to be supported in their accounting. This is not only for freelancers and tradespeople who already achieve a certain turnover with their business, but also for small companies that employ only a few people.

Prices & Conditions of the Kontist Premium Business Account

For the Kontist Premium business account there is a basic fee of nine Euro per month. There is no minimum contract period, the account can be cancelled at any time. This price includes a VISA credit card for which no basic fee is payable. Only for current transactions such as cash withdrawals or payments in foreign currencies is a fee charged as a percentage of the turnover. This makes the costs transparent and comprehensible for the account holder at all times. There are no hidden fees.

Special features of the Kontist Premium business account

One of the most important additional services of the premium account is the link to the accounting department. Based on this, the tax calculation program calculates how many reserves are to be formed for tax or other expenses. At the same time, it calculates how much financial leeway the account holder can make use of.

These clever services are taken over by a tax consultant for many self-employed people. With Kontist Premium, you can at least partially save the advice of a tax expert and thus also significantly reduce costs and time for administrative tasks.

Advantages and disadvantages of the Kontist Premium business account

One of the major advantages is the transparent cost structure. Also the quick opening without personal legitimation by PostIdent is to be welcomed. The fact that the account is not subject to a disposition framework can have a negative effect. If expenses are incurred, the account must have a credit balance and, if necessary, be topped up beforehand.

Open Kontist Premium Business Account

The business account can be opened completely online on request. If desired, the PostIdent procedure can be replaced by a video legitimation. This means that the opening is completed within a short time and the account is available with all its functions. Also comprehensive documents are not to be submitted, so that the administrative expenditure keeps itself within limits.

Conclusion on the Kontist Premium business account

Kontist’s premium account is particularly interesting due to its comprehensive additional services such as the link to accounting and tax calculation. As a self-employed person, you receive all the essential services that require a lot of time and a certain amount of specialist knowledge or that have to be assigned to a tax expert. In return, the self-employed person pays a transparently calculated fee so that he knows each month how high his basic fee is. Only the costs for payments by credit card are added to the Kontist Premium business account.