let's chat

Why Every Freelancer Needs a Business Account – and How Kontist Makes It Effortless

•

More like this:

Find your dream clients with our Soul Client Compass

Discover exactly who your ideal clients are and how to connect with them. Get our free step-by-step guide, delivered straight to your inbox, and start attracting the people who truly resonate with your business.
Free Download ↓

What this is about:

If you’re self-employed, opening a dedicated business account is one of the smartest financial decisions you can make. It keeps your private and business expenses separate, simplifies bookkeeping, and makes tax season less stressful. In this post, we’ll explore why a business account is essential – and why Kontist has become a trusted partner for so many freelancers.

Why a Business Account Matters for Freelancers

One of the first steps to take when starting your freelance journey is setting up a dedicated business account. Why? Because keeping your business and personal finances separate isn’t just good practice – it saves you endless time and stress later. With a business account, you gain:

  • Clarity: See exactly what comes in and goes out of your business.
  • Easy bookkeeping: No more sorting through mixed-up private and business payments.
  • Smooth tax prep: Your accountant (or software) will thank you.
  • Professionalism: Clients take you more seriously when you issue invoices from a proper business account.

 

And the best part? These days, many options come with zero monthly fees – so it doesn’t even cost you extra to work smarter.

Why I Chose Kontist

Among the many providers out there, I decided to go with Kontist, and it’s a choice I’ve never regretted. Designed specifically for freelancers and the self-employed, Kontist combines modern digital banking with smart tax features.

What I love most? Everything is designed with freelancers in mind – from quick transfers to automated tax calculations. Over time, I even added their tax service, which turned out to be a game-changer.

Kontist Banking Plans at a Glance
  • FREE – €0/month (plus VAT), Virtual Visa card, Unlimited SEPA transfers, Apple Pay & Google Pay, Account statements & invoice tool, Overdraft option
  • PREMIUM – €11/month (plus VAT), Everything in FREE, Physical card. Bookkeeping integration, Automatic income & VAT calculation, Smart transaction categorisation, DATEV export
  • DUO – €25/month (plus VAT), All PREMIUM features, Lexoffice integration, Create invoices & quotes, Online banking & payment matching, Digital receipt storage, Accountant access
The Kontist Tax Service – Stress-Free Finances

Taxes can be one of the most overwhelming parts of freelancing. Kontist’s integrated tax service (from €99/month + VAT) takes away much of that pressure. Services include:

  • Monthly bookkeeping
  • VAT returns
  • Adjustments to tax prepayments
  • Profit & loss statements
  • Full business and personal tax returns
  • A professional hotline for advice and guidance

 

For me, this meant no more searching for a separate accountant – everything is handled in one place, with clarity and peace of mind.

Choosing the right business account is more than just a financial decision – it’s about making your work-life easier and setting up a strong foundation for your freelance business. Kontist brings together modern digital banking with smart tax support, designed specifically for self-employed professionals.

Follow our socials!