Best for freelancers
Kontist is purpose-built for Freelancer / Einzelunternehmer in Germany. Its automatic tax reserve, VAT calculation and DATEV export save hours per quarter. Holvi is a strong alternative if you also want invoicing.
Best for GmbHs
Qonto is the most popular pick for GmbHs and UGs. It offers multi-user access with roles, virtual cards per project, and tight accounting software integrations.
When to choose a traditional bank
If you need cash-handling, international trade finance or complex lending, Commerzbank, Deutsche Bank and HypoVereinsbank still offer the deepest business products.
Top Geschäftskonto compared
| Provider | Monthly fee | Best for |
|---|---|---|
| Qonto | From 9 € | GmbH & growing SMEs |
| Kontist | From 0 € | Freelancers + tax |
| Holvi | From 6 € | Freelancers + invoicing |
| Penta | From 9 € | Startups |
| Commerzbank Business | From 6,90 € | Branch + digital |
Frequently Asked Questions
Do freelancers need a Geschäftskonto?
Legally no, but most retail banks ban business use on private accounts. A dedicated Geschäftskonto also simplifies bookkeeping.
Which is cheapest?
Kontist Free is the only true €0 business account. Most others charge €6-15/month.
Are these banks regulated?
Yes — all listed providers operate under EU banking or e-money licenses with deposit protection.
Can I switch later?
Yes. Most German business banks offer migration support for direct debits and standing orders.
Ready to get started?
Open your account in minutes — fully digital, BaFin-regulated, with German IBAN.