FYRST vs Kontist: what each publishes
As of October 17, 2026, FYRST takes these industries by its own published rules: AI and SaaS. We hold no such rule from Kontist.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | FYRST | Kontist |
|---|---|---|
| AI and SaaS | Yes | No published rule |
| Crypto | No published rule | No published rule |
| iGaming | No published rule | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
FYRST
No published rule
Kontist
Yes, legal representatives or beneficial owners can reside outside of Germany. We currently support the following countries: Austria Switzerland Germany France Italy Spain
Rules about countries
Kontist
At the moment, we support the following legal forms for companies – currently limited to businesses registered in Germany:
You and all other legal representatives are not taxable in the USA
Fees
FYRST
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| FYRST BASE | Not stated | EUR 6 per month for companies after the first 6 months; EUR 0 for sole traders and freelancers (50 free paperless transactions a month) | · Source |
| FYRST COMPLETE | Not stated | EUR 10 per month (75 free paperless transactions a month) | · Source |
| FYRST PREMIUM | Not stated | EUR 24 per month (up to 5 BASE sub-accounts included) | · Source |
Kontist
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Kontist Free | Not stated | EUR 0 (5 SEPA transfers and direct debits included) | · Source |
| Kontist Start | Not stated | EUR 11 per month plus VAT (30 SEPA transfers and direct debits included) | · Source |
| Kontist Plus | Not stated | EUR 25 per month plus VAT (100 SEPA transfers and direct debits included) | · Source |
Closing an account
FYRST
Für die Kündigung eines Zahlungsdiensterahmenver- trages (z. B. laufendes Konto oder Kartenvertrag) und eines Depots beträgt die Kündigungsfrist min- des tens zwei Monate.
Kontist
9.3 Wir können den Nutzungsvertrag mit einer Frist von vier Wochen schriftlich oder per E-Mail kündigen.
Licence
| Licensee | FYRST | Kontist |
|---|---|---|
| Licensee | FYRST, an offer of Deutsche Bank Aktiengesellschaft · credit institution supervised by the ECB and BaFin (BaFin-ID 10100003) | Shine Germany GmbH (Kontist by Shine) · accounts and cards provided by Solaris SE, credit institution supervised by BaFin (BaFin-ID 10143626) |
| Regulator | BaFin / ECB (Deutsche Bank AG) · | BaFin (Solaris SE) · |