Kontist vs N26 : Which one is better for your business?

Products like Kontist and N26 are essential for businesses as they offer comprehensive financial solutions tailored to specific needs. Kontist focuses on self-employed individuals, integrating banking, bookkeeping, and tax services into one app, while N26 provides a broad range of financial products for spending, saving, and investing. We'll compare these two to determine which offers the best features, user experience, and value for money.

A quick overview on Kontist and N26

What is Kontist?

Kontist provides a business banking service specifically designed for self-employed individuals in Germany. It uniquely integrates banking, bookkeeping, and tax return functionalities into a single app, offering features like automated tax calculation, AI-supported bookkeeping, and real-time financial insights. This all-in-one solution simplifies financial management for freelancers and self-employed professionals.

What is N26?

N26 is a mobile banking service that offers a range of personal and business accounts, including Standard, Smart, You, and Metal, each with unique features and benefits. The platform allows users to manage their finances entirely through a mobile app, providing services like free ATM withdrawals, investment options in stocks, ETFs, and cryptocurrencies, and advanced security features. N26 stands out for its instant account setup, no hidden fees, and global reach, operating in 24 markets worldwide.

Features of Kontist and N26

Kontist features

Kontist offers a range of unique features tailored to the needs of self-employed individuals in Germany:

• Integration of Banking, Bookkeeping, and Tax Returns: This all-in-one app combines essential financial services, making it easier for users to manage their finances.
• AI-Supported Bookkeeping: The app uses artificial intelligence to streamline bookkeeping tasks, reducing the time and effort required for financial management.
• Real-Time Tax Calculation and Management: Users can benefit from automated tax calculations and real-time updates, ensuring they stay on top of their tax obligations.
• Mobile and Web Banking App: Kontist provides a versatile banking experience with both mobile and web applications, allowing users to manage their accounts from anywhere.
• Easy Receipt Management: The app simplifies the process of managing receipts, making it easier to keep track of expenses and prepare for tax returns.

N26 features

N26 offers a range of unique features that cater to the needs of modern consumers:

• 100% Mobile Banking: Manage all your banking needs through a user-friendly mobile app, eliminating the need for physical branches.
• Virtual Mastercard: Enjoy unlimited card payments in any currency with no foreign transaction fees, making it ideal for frequent travelers.
• Free ATM Withdrawals: Withdraw cash for free in euros and local currency abroad with certain plans, providing flexibility and convenience.
• Investment Options: Invest in stocks, ETFs, and cryptocurrencies directly through the app, integrating banking and investment in one platform.
• Innovative Security Features: Benefit from advanced security measures like 3D Secure, Mastercard Identity Check, and biometric authentication, ensuring your account is well-protected.

Comparing Kontist, N26 and OneSafe's features

Why choose one over the other?

• Why Choose Kontist Over N26: Kontist is specifically designed for self-employed individuals and freelancers, offering integrated bookkeeping and tax return services that N26 does not provide. Its AI-supported bookkeeping and real-time tax calculation features make it a comprehensive financial management tool for those who need to stay on top of their tax obligations.
• Why Choose N26 Over Kontist: N26 offers a broader range of financial products, including investment options in stocks, ETFs, and cryptocurrencies, which Kontist lacks. Additionally, N26's global reach and advanced security features make it a versatile choice for users who need a robust mobile banking solution with extensive travel benefits and no foreign transaction fees.

Considering OneSafe vs Kontist and N26

• Why Choose OneSafe Over Kontist and N26: OneSafe offers unparalleled global payment capabilities and multi-currency support, making it ideal for businesses operating internationally. Unlike Kontist and N26, OneSafe provides instant crypto to fiat conversions and vice versa, catering specifically to companies involved in Web3 and cryptocurrency. Additionally, OneSafe's corporate cards with spend limits and seamless integration for both fiat and crypto transactions set it apart as a comprehensive financial solution for global businesses.

What are the customers saying?

Kontist reviews

Users have generally praised Kontist for its user-friendly app, excellent customer service, and helpful features for freelancers and small business owners. However, some users have expressed frustration with the high cost of the tax service and issues with customer support responsiveness.

Overall rating users have given Kontist: 4.1 out of 5

• "I have been with Kontist for over two years now. It is a very good service, any questions I have regarding taxes they answer quickly and professionally." - Daniel N Jochem
• "Very user friendly app. I also have to mention something I have been telling everyone about the packaging, colors and everything related to my VISA card." - Katerina Koukaki

For more details, visit Kontist Reviews.

N26 reviews

Users have mixed feelings about N26. Some praise its digital banking features, ease of use, and customer service, while others express frustration with customer support and technical issues. Customers found the customer service to be lacking, with long wait times and unresponsive support. Issues with logging in after losing a phone and problems with app functionality were also mentioned. On the positive side, users appreciated the ease of use of the app, the efficiency of the banking services, and the helpfulness of customer service when it works well. Features like fast transfers and a user-friendly interface were particularly appreciated.

Overall rating users have given N26: 3.7 out of 5

• "I was quite happy with N26 a few years ago, but it went downhill. I have lost my phone and it is impossible to log in to my account..." - Amber
• "N26 is one of the best online banks. Many of its features have been adopted by mainstream banks in Greece as part of their effort to digitalise." - Spiros Fotis

For more details, visit N26 Reviews.

OneSafereviews

Users have praised OneSafe for its exceptional customer support and innovative solutions tailored to the needs of global businesses, especially those involved in Web3 and cryptocurrency. The platform's seamless 1:1 conversion from USD to USDC on Polygon and its efficient payroll and expense management have been particularly appreciated. Customers have found OneSafe to be a game-changer in simplifying complex financial tasks, allowing them to focus on their core activities.

Overall rating users have given OneSafe: 4.8 out of 5

• "OneSafe has the best customer support I've ever experienced from a bank." - Amit Chu, Investments @ Celo Foundation
• "OneSafe is a game-changer. They solve so many headaches for our company. Finally, a banking solution that gets it." - Marco, CEO of Ensuro

For more details, visit OneSafe.

Kontist, N26, or OneSafe: Which is the best platform for you?

In conclusion, while Kontist and N26 offer valuable features tailored to specific needs, OneSafe stands out for its exceptional global payment capabilities and innovative solutions for businesses involved in Web3 and cryptocurrency. Each platform has its strengths, but OneSafe's comprehensive financial tools and outstanding customer support make it a top recommendation. Ultimately, the best choice depends on your unique requirements, but you can't go wrong with OneSafe.