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Updated October 17, 2026 · VaultCue Editorial Team

Top accounts for freelancers compared in Germany

30 accounts available in Germany, ranked for Germany.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top accounts for freelancers compared in Germany
OrderAccountScoreFeaturesKey factsActions
1
Kontist logo
KontistTop pickPartner
9.1/10
  • No monthly fee
Monthly fee:
€0
Deposit protection:
EU DGS up to EUR 100,000
Currency conversion fee:
2%
ReviewCompareVisit
2
Revolut AU logo
Revolut AUPartner
9.1/10
  • Travelers
  • No monthly fee
  • Low FX
  • Free ATM
  • Joint account
Monthly fee:
£0
Licence type:
E money
Deposit protection:
FSCS up to GBP 85,000
ReviewCompareVisit
3
Revolut UK logo
Revolut UKPartner
9.0/10
  • Travelers
  • No monthly fee
  • Free ATM
  • Joint account
Monthly fee:
£0
Licence type:
E money
Deposit protection:
FSCS up to GBP 85,000
ReviewCompareVisit
4
ING logo
INGPartner

Attractive interest on your first free Tagesgeldkonto (overnight deposit): up to 3.75% p.a. for the first 4 months

9.2/10
  • No monthly fee
  • Joint account
Monthly fee:
€0
Deposit protection:
EU DGS up to EUR 100,000
Currency conversion fee:
2%
ReviewCompareSee alternatives
5
Wamo logo
WamoPartner

Cashback on card spend with annual plans: up to 1%

9.2/10
  • No monthly fee
Monthly fee:
€0
Deposit protection:
EU DGS up to EUR 100,000
Currencies:
22
ReviewCompareSee alternatives
6
Finom ES logo
Finom ESPartner

Spanish site of Finom, an online payments and business account solution for autonomos and small businesses.

9.2/10
    Monthly fee:
    €0
    Currency conversion fee:
    0.5%
    Currencies:
    17
    		ReviewCompareSee alternatives
    7
    Finom FR logo
    Finom FRPartner

    French site of Finom, an online payments and business account solution for freelancers and small businesses.

    		9.2/10
      Monthly fee:
      €0
      Currency conversion fee:
      0.5%
      Currencies:
      17
      		ReviewCompareSee alternatives
      8
      ePayServicePartner

      No fees for Debit cards: Card issuance and activation free of charge for ePayService Mastercard Standard and Virtual EUR

      		9.1/10
        Monthly fee:
        €1.99
        Deposit protection:
        EU DGS up to EUR 100,000
        Currency conversion fee:
        1.99%
        		ReviewCompareSee alternatives
        9
        PSD Bank Nürnberg logo
        PSD Bank NürnbergPartner

        PSD BauGeld interest discount: up to 0.15% interest discount plus free early repayments (Sondertilgungen)

        		9.1/10
        • Free ATM
        Monthly fee:
        €2.90
        Deposit protection:
        EU DGS up to EUR 100,000
        Local account details:
        IBAN
        		ReviewCompareSee alternatives

        Licensed in Germany

        Kontist
        BaFin and European Central Bank (banking licence held by partner bank Solaris SE, which holds the accounts; Kontist itself states it has no own banking licence)
        PSD Bank Nürnberg
        Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)

        Other rankings

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        Other countries

        Kontist

        Kontist

        Top pick for Germany

        9.1/10Visit