Kontist vs Monzo Business: Complete Comparison (2026)
An in-depth comparison of Kontist and Monzo Business to help you choose the right tool for your business.
Last updated: November 2026
Kontist
6.1/10
Kontist is a German mobile business account for freelancers and small companies, with automatic tax set-asides, invoicing, receipt management and bundled sevdesk accounting.
Monzo Business
6.5/10
Monzo Business is an app-based UK business bank account for sole traders and limited companies. It includes invoicing, Tax Pots, expense cards and accounting software bank feeds.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.5/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 8/10 | 9/10 |
| Integration | 5/10 | 6/10 |
| Scalability | 3/10 | 3/10 |
| Security | 7/10 | 7/10 |
| Support | 4/10 | 6/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €11/mo Start | £9/mo Pro |
| Estimated cost for 10 users | Free Free | £25/mo Team |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Kontist vs Monzo Business cost by team size
| Team size | Kontist | Monzo Business |
|---|---|---|
| 1 user | FreeFree | £9/moPro |
| 5 users | FreeFree | £25/moTeam |
| 10 users | FreeFree | £25/moTeam |
| 25 users | FreeFree | FreeLite |
| 50 users | FreeFree | FreeLite |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Kontist
- Higher Analytics score (5/10 vs 4/10)
Why choose Monzo Business
- Higher Support score (6/10 vs 4/10)
- Higher Ease of Use score (9/10 vs 8/10)
Pros & Cons
Kontist
Pros
- Automatic real-time tax and VAT set-asides, which Trustpilot reviewers repeatedly praise
- Free plan with no monthly fee, a German IBAN and a Visa debit card
- Every plan includes a free period of sevdesk accounting, up to a full year on Plus
- Deposits are held at BaFin-licensed Solaris SE and protected up to 100,000 euros
- The app is available in both English and German, which helps expat freelancers
Cons
- Only available to people who live in and pay tax in Germany
- Reviewers report slow, mostly email-based support that has to be chased repeatedly
- Free tier includes only 5 SEPA transactions a month, and extra transactions cost a fee
- No full double-entry ledger, so proper bookkeeping depends on sevdesk or another tool
- Past complaints include account closures and the handling of unauthorized payments
Monzo Business
Pros
- The Lite plan is free and includes Making Tax Digital software
- Pro adds invoicing, Tax Pots and live feeds to Xero, QuickBooks, FreeAgent and Sage for £9 a month
- The Team plan adds expense cards, payment approvals and bulk payments for up to 15 users
- 24/7 in-app support on every plan
- Licensed UK bank with FSCS deposit protection
Cons
- Holds GBP only, and incoming foreign currency is converted at a 1% fee
- No general ledger or financial statements, so you still need separate accounting software
- Partnerships, LLPs, charities and non-UK businesses cannot open an account
- Cash deposits cost £1 each and are capped
- Reviews report frozen accounts and slow resolution, and there is no dedicated account manager
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 6.1/10 for Kontist. The largest gap is in Support: 4/10 for Kontist and 6/10 for Monzo Business.
Yes, both Kontist and Monzo Business have a free plan.
