Kontist
Kontist
A business account with automatic tax calculation and deposit protection up to €100K, designed for freelancers in Germany. It is limited to that profile, however, does not support GmbH or UG and applies a 2% FX markup.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · DE |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | €0 |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | BaFin |
| OAM Italy registration | No |
| MiCA / License status | Banking partner (Solaris Bank) BaFin (via Solarisbank) |
Plans & pricing
Kontist Free
- Price
- Free
- Issuance fee
- Free
- FX markup
- 2%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- 2 prelievi/mese gratis, poi €2; limite €5.000/mese
- Net annual cost
- Free
- DE IBAN
- Auto tax calc
- Free debit
Kontist Premium
- Price
- €13
- Issuance fee
- Free
- FX markup
- 1.75%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- 2 prelievi/mese gratis, poi €2; limite €8.000/mese
- Net annual cost
- €155
- Tax service inclusion
- Higher limits
Kontist Duo
- Price
- €35
- Issuance fee
- Free
- FX markup
- 1.75%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- 2 prelievi/mese gratis, poi €2; limite €8.000/mese
- Net annual cost
- €419
- Steuerberater (tax advisor) inclusi
Strengths
- Automatic tax calculation; €100K deposit guarantee; ideal for German freelancers.
- No notable sovereignty advantage documented.
Weaknesses
- Only Germany freelancer; no GmbH/UG; FX 2%.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (BaFin (via Solarisbank)): reporting to authorities and freezes on order.
Verdict
Middling verdict: automatic tax calculation and deposit protection up to €100K (via BaFin/Solarisbank) are a solid safeguard for German freelancers. But the profile is narrow — Germany freelancers only, no GmbH or UG — and the 2% FX adds a cost that limits appeal beyond that audience.
Marginal through this lens: custodial with full KYC, BaFin oversight and a tax-focused purpose for the individual freelancer. No direct control, no real privacy; the deposit guarantee that protects the ordinary user holds no value in a crypto-native view.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Kontist a real bank?
Kontist is not a bank: it operates through partner bank Solaris SE, supervised by BaFin. Deposits are therefore protected up to €100,000 by the German deposit-guarantee scheme (Einlagensicherung) via Solaris SE.
Can I send transfers to third-party IBANs with Kontist?
Yes, Kontist allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Kontist support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Kontist support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Kontist?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Issuer · +3 Data verified on Jun 15, 2026
- fintechfutures.com Data verified on Jul 17, 2026
- intercom.help OAM Italy registry · Multi-currency Data verified on Jun 15, 2026
- thelocal.de Past incidents Data verified on Jun 15, 2026
Show 2 more sources
- neuebanken.de Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026