Kontist by Shine vs Trimtab

Contemporary banking & accounting for SMEs and freelancers Kontist's free online business account offers you additional tools such as accounting and expense management, along with responsive and personal customer service that will soon be available 7 days a week. The digital business account with intelligent functions: German IBAN Visa card Real-time transfers and bulk transfers Push notifications for every account movement Automatic calculation and reserve of sales and income tax for every incoming money. Financing: Overdraft and business loan Security: Kontist in partnership with BaFin-regulated Solaris offers deposit and data security of the highest standard. All deposits are legally insured up to €100,000 by the European Deposit Fund. We are always happy to receive your feedback, ideas, questions or suggestions. You can contact us at any time at support@kontist.com.

Trimtab keeps track of money that several people spend together — a sailing week with friends, a shared flat, or a boat or aircraft owned in partnership. Log who paid what. Trimtab works out who owes whom, and the shortest set of payments that settles everyone up. EQUAL — OR BY OWNERSHIP SHARE Split a restaurant bill evenly between the people who were there. Or divide a berth fee, an insurance premium or an annual inspection by ownership: a 50% owner pays half, a 12.5% owner pays an eighth. Shares are renormalised inside each expense, so a cost carried by only two of four co-owners still lands in the right proportion. EXACT TO THE CENT Every division is calculated in whole cents, leftover remainders included. Balances always add up to exactly zero — no drifting rounding errors, no cent that belongs to nobody. HISTORY THAT STAYS TRUE Each expense remembers the people and the shares it was created with. Adding someone to the group next month never rewrites what already happened. SHARED LISTS Send a link to the people you travel or co-own with. They open the same list on their phone, and every expense anyone adds shows up for everyone else. No account needed on either side — the link is the invitation. PRIVATE BY DEFAULT No sign-up, no advertising, no tracking, no analytics. A group stays on your device unless you choose to share it. ALSO • Its own currency for each group — 12 to pick from • Settle up with the fewest transfers possible • Send the final summary to any chat as plain text • English, German, Spanish, French, Croatian, Italian and Russian Free. No subscription, no in-app purchases.