Updated September 28, 2026 · VaultCue Editorial Team
Kontist vs Revolut AU
Kontist
Higher score in this comparison
Revolut AU
What sets them apart
| Compare | KontistReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | 2% | 0% to 1%Lower |
| Transfer fee | 0.25 EUR per additional SEPA transaction beyond the plan allowance (Free includes 5 per month) | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Currencies | Not confirmed | 30 |
| Free ATM withdrawals | €2 | Not confirmed |
Same on both: Local account details (IBAN).
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Key differences
- Revolut AU is licensed in 1 more country.
- Revolut AU is available in 38 more countries.
- Currency conversion fee is lower at Revolut AU: 0% to 1% vs 2%.
- Support channels: only Kontist offers Email.
- Audience: only Kontist offers Business.
- Audience: only Revolut AU offers Travelers, Teen.
- Pricing model: only Revolut AU offers Low FX.
- Features: only Kontist offers No credit check.
- Features: only Revolut AU offers Free ATM, Joint account.
Our verdict on each
Kontist
Kontist is a free to hold German account aimed at freelancers and small businesses paid in euros, and deposits sit in the EU guarantee scheme: EU DGS up to EUR 100,000. The trade off is a charge on every SEPA transfer past the plan allowance, on an account built for freelancer and business.
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Score breakdown
| Area | Kontist | Revolut AU |
|---|---|---|
| Cost | 8.9A monthly fee of €0 and conversion at 2% give a low running cost for an account that mostly holds euros. | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.4HigherA free ATM allowance of €2 and local details covering iban make it usable day to day in the euro area. | 9.3Holds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | Not confirmed | 8.6 |
Spending 1,000 abroad
Kontist
20
2% of 1,000
Revolut AU
0 to 10
0% to 1% of 1,000
Revolut AU comes out 20 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Kontist | Revolut AU |
|---|---|---|
| Germany | Not confirmed | |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed | Financial Conduct Authority 933846 |
Available in 1 country for both. Additional countries for Revolut AU: 38.
Where they rank in our lists
| Ranking | Kontist | Revolut AU |
|---|---|---|
| Business bank accounts | 14 of 563 | 22 of 563 |
| Accounts for freelancers | 7 of 130 | 11 of 130 |
Every fact side by side
| Fact | Kontist | Revolut AU |
|---|---|---|
| Audience | Freelancer, Business | Travelers, Freelancer, Teen |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | No credit check | Free ATM, Joint account |
| Legal entity | Shine Germany GmbH | Revolut Payments UAB |
| Headquarters | Germany | Lithuania |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Help centre, Phone |
Savings
| Fact | Kontist | Revolut AU |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | £0 |
| Access terms | Not confirmed | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | Kontist | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | Kontist | Revolut AU | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0% to 1%below the median | 0.5% |
| Currencies | Not confirmed | 30highest quarter | 5 |
| Free ATM withdrawals | €2above the median | Not confirmed | €1 |
Median across 536 listed accounts.
Pros and cons
Kontist
Pros
- Deposits are covered by the EU deposit guarantee scheme, EU DGS up to EUR 100,000, so a business balance has a stated safety net.
- The account runs without a credit check, no credit check, so opening it does not involve a credit review.
- Support runs on email, chat and phone, so phone and chat sit alongside email and a help centre.
Cons
- Every additional SEPA transaction past the plan allowance is charged, so a payment heavy freelancer pays more as volume grows.
- The currency conversion fee of 2% is above the 0.5% median and ranks 214 of 312, so frequent conversion is where the account costs most.
- Local details cover iban alone, so the account is built around a single market rather than wider payment rails.
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
Who each suits
Kontist
Who it suits
- Freelancers billing in euros who want a business account opened without a credit check, since Kontist runs no credit check.
- Small businesses and sole traders who need a euro account with a monthly fee of €0 and a German IBAN.
- Anyone who wants the balance inside the EU deposit guarantee scheme, EU DGS up to EUR 100,000, with support on email, chat and phone.
Who should look elsewhere
- Not for readers who judge on the monthly fee alone: PayPal Colombia also lists a monthly fee of $0, so the choice there comes down to what the account gives you, such as local details covering iban.
- Not for high volume SEPA users, because each additional transaction past the plan allowance is charged.
- Not for anyone who wants a banking licence relationship of their own: the accounts sit with partner bank Solaris SE under BaFin and European Central Bank supervision.
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
Country by country
| Country | Kontist | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 39 countries where either is available.
Questions about each
Kontist
How much does it cost to hold a Kontist account?+
The monthly fee is €0, so holding the account is free. The costs that do apply are currency conversion at 2% and a charge on each additional SEPA transfer beyond the plan allowance, where the Free plan includes a limited number of those transactions every month.
Is my money protected at Kontist?+
Deposits sit under the EU deposit guarantee scheme, EU DGS up to EUR 100,000. The accounts themselves are held by partner bank Solaris SE rather than by Kontist, and the arrangement is supervised by BaFin and the European Central Bank.
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
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