# Kontist — AI Compare Ninja

> Business account with tax reserves, receipts, and integrated accounting; Plus categorises transactions with AI.

## Overview
- **Category:** Business & Finance (Accounting & invoices)
- **Status:** Active · checked - Active business account for self-employed people and companies with automatic tax calculation and AI-assisted accounting in the Plus offering.
- **Paid from:** 11 € plus VAT / Month (Start)
- **Free access:** Free plan
- **Website:** https://kontist.com/
- **Canonical URL:** https://www.aicompare.ninja/en/tool/kontist

## What it does
- Business account with tax reserves, receipts, and integrated accounting
- Plus categorises transactions with AI
- Physical and virtual Visa debit cards
- Up to 5 subaccounts
- VAT returns, management reports, and fixed assets for sole proprietors

## In brief
Business account with tax reserves, receipts, and integrated accounting; Plus categorises transactions with AI. Free is permanently free with no trial period, featuring a German IBAN and physical Visa debit card. Plus includes integrated accounting, up to 5 subaccounts, and AI-assisted transaction categorisation.


## Limits
Free is permanently free with no trial period. Start and Plus can be cancelled monthly. Opening an account requires residence and tax liability in Germany, legal age, and identity verification. Shine Germany GmbH and Shine Service GmbH identify themselves as controllers for the website. The privacy notice lists processors and possible processing by service providers outside the EU under contractual safeguards. The pricing page only states that AI automatically categorises transactions; it does not publish a training rule or identify a specific model provider.

## Pricing tiers
| Tier | Price | Period | What you get |
| --- | --- | --- | --- |
| Free | free | permanently free of charge | Business account with German IBAN; Physical Visa debit card; 5 SEPA transfers and direct debits; Automatic tax calculation; Receipt management and accounting interface |
| Start | 11 € plus VAT | Month | Physical and virtual Visa debit cards; Up to 3 subaccounts; 30 SEPA transfers and direct debits; Automatic tax calculation; Six months of sevdesk accounting included |
| Plus | 25 € plus VAT | Month | Business account with integrated accounting; Up to 5 subaccounts; 100 SEPA transfers and direct debits; AI-assisted transaction categorisation; VAT returns, management reports, and fixed assets for sole proprietors; Twelve months of sevdesk accounting included |

## Sources
All details regarding plans, limits, and features are based on official vendor documentation and the primary sources verified below.

- https://kontist.com/pricing/
- https://kontist.com/product/kontist-buchhaltung/
- https://kontist.com/landing/kontowechselservice/
- https://kontist.com/terms/
- https://kontist.com/privacy/
- https://kontist.com/imprint/

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*Source: AI Compare Ninja (2026) - https://www.aicompare.ninja/en/tool/kontist*