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Kontist vs Holvi (2026): which business account for a German freelancer?

Kontist vs Holvi compared for German freelancers and Selbstständige — Kontist for tax-native banking (real-time income-tax and VAT set-aside, DATEV/ELSTER export), Holvi for banking and invoicing in one simple account. Which Geschäftskonto fits, honestly.

EU-focused
Konstantin Filatov

Solo operator · one-person venture studio in Europe (SEO · affiliate · micro-SaaS) · 13 July 2026 · updated 13 July 2026 · 2 min read

Kontist vs Holvi (2026): which business account for a German freelancer?

Two of the most common Geschäftskonto picks for a German freelancer — and they optimise for different things. Kontist wants to do your taxes; Holvi wants to be a calm banking-and-invoicing home. Here’s the honest split for a Freiberufler or Selbstständige.

Kontist — the tax-native account

Kontist logo

Kontist

4.5/5
Best for: Automatic income-tax & VAT set-aside Free tier + paid plans
Kontist website screenshot

Built around the one thing a Freiberufler keeps getting wrong: Kontist sets aside income tax and VAT automatically on every payment, so the money is already parked when the Umsatzsteuer-Voranmeldung is due. It adds an integrated bookkeeping/tax tier and an ELSTER/DATEV-friendly export. German-first, ideal if you want the account itself to handle the tax discipline.

Holvi — banking and invoicing in one

Holvi logo

Holvi

4.2/5
Best for: A simple Geschäftskonto + invoicing Free tier + paid plans
Holvi website screenshot

A tidy account that keeps banking and invoicing together, popular with Kleinunternehmer and the self-employed who want a clean Geschäftskonto with light bookkeeping rather than heavy tax automation. Simpler than Kontist on the tax side, calmer if your setup is straightforward.

Pick by what you need

  • You want the account to handle income-tax and VAT set-asideKontist. The automation is the whole point, and it’s what saves a Freiberufler at Voranmeldung time.
  • You’re a Kleinunternehmer or want simple banking + invoicingHolvi. Less automation, less to manage, one calm place for the money and the invoices.
  • You need full English or you bill across the EU/multi-currency → weigh a pan-EU account like Qonto (English, broader business tools) or Wise for cross-border receiving — you trade the German-tax-native features for reach.

Bottom line

If the tax set-aside is the reason you’re switching accounts, Kontist is the pick — it’s the Freiberufler’s tax-native default. If you want a simpler home for banking and invoicing, especially as a Kleinunternehmer, Holvi is the calmer choice. Both are solid German-market accounts; match the one to how you actually do your taxes. The full German field — Kontist, Qonto, Holvi, N26 and FYRST — is in the best business bank account for German freelancers guide.

Frequently asked questions

Kontist vs Holvi — which is better for a German freelancer?
It depends on how much you want the account to handle your taxes. Kontist is German-tax-native: real-time income-tax and VAT set-aside, an integrated bookkeeping/tax tier, and an ELSTER/DATEV-friendly export — ideal for a Freiberufler who wants the account to do the tax maths. Holvi is banking plus invoicing in one simpler package, popular with Kleinunternehmer and the self-employed who want a clean Geschäftskonto without heavy automation. Choose Kontist for the tax features, Holvi for banking-and-invoicing simplicity.
Is Kontist or Holvi better for handling taxes?
Kontist, clearly, if tax automation is your priority — it automatically parks the income tax and VAT you owe on each incoming payment, so the money is already set aside when the Umsatzsteuer-Voranmeldung is due, and it offers an add-on bookkeeping/tax tier. Holvi includes invoicing and light bookkeeping but is not built around automatic tax set-aside the way Kontist is. If the classic freelancer cash-flow trap (spending money that belongs to the Finanzamt) is your worry, Kontist addresses it directly.
Can I use Holvi as a Kleinunternehmer?
Yes — Holvi is a common pick for Kleinunternehmer and the self-employed precisely because it keeps banking and invoicing in one simple place without demanding you set up a full accounting stack. If you are under the Kleinunternehmer scheme and do not charge VAT, the heavier tax automation in Kontist matters less, which makes Holvi's simplicity attractive.
Do Kontist and Holvi support English?
Both operate primarily in German, which fits their German-market focus, though Holvi has broader multi-country roots and some English support. If full end-to-end English is a hard requirement, a pan-EU business account like Qonto may fit better — the trade-off is losing the German-tax-native features that Kontist specialises in. The full German field is in the German freelancer bank account guide.
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