Holvi vs Kontist: German Business Banking Comparison 2026
Compare Holvi and Kontist for German freelancers. Invoicing and bookkeeping vs automatic tax savings.
Comparison Table
| Price | €0-15/mo | €0-12/mo |
| Countries | DE, FI, AT, BE, IE, IT, NL, ES | DE |
| Best For | Freelancers, Solopreneurs | Freelancers, Self Employed |
| Features | IBAN accountBuilt-in invoicingExpense categorizationTax reports | IBAN accountTax calculationTax reservesReal-time tax estimate |
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| Website | Visit | Visit |
Our Verdict
Choose Holvi for built-in invoicing, expense categorization, and BBVA backing. Choose Kontist for automatic German tax calculation and dedicated tax reserves.
As of: February 2026
Information in this comparison is sourced from publicly available data (official websites, pricing pages). Prices and features may change. We do not guarantee the accuracy or completeness of the information.
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Holvi and Kontist are both popular among German freelancers but solve different problems. Holvi combines banking with professional invoicing and expense tracking, backed by BBVA. Kontist focuses uniquely on automatic tax calculation and reserves for German tax obligations. Choose based on your biggest pain point.