Business documents and planning

Tax & Legal

Setting up a business, handling tax obligations and finding legal support in Germany. Compare services built for founders, freelancers and internationals.

For founders and the self-employed

Company formation and business setup services with English-language support and digital processes.

Recommended
Beglaubigt
Digital company formation and notary services
Fully digital incorporation process
Online notary appointments
GmbH and UG formation supported
English-language guidance
Faster than traditional notary route
Notary fees still apply separately
Some steps require German documentation
Start your company

Business banking

Business accounts suited to founders, freelancers and small companies operating in Germany.

Qonto
Business banking built for founders and freelancers
Designed for businesses, not consumers
Fast online setup
Integrated invoicing and accounting tools
Multi-user access for teams
English interface
Monthly fee applies on all plans
Not a full-service German bank
Compare plans
bunq
Flexible business accounts with English-first support
English-first platform
Business and personal accounts
Multi-currency support
No Schufa needed for basic accounts
Good for international operations
Higher fees on some plans
Less established in Germany than incumbents
See business accounts

Tax filing and official routes

Filing your tax return, whether employed, freelance or running a company.

Tax filing comparison
Compare English-friendly tax filing apps
Taxfix, Wundertax and SteuerGo compared
Average refund over €1,000
Guided, English-language filing
Suitable for most employees
Apps are not suitable for complex company accounts
Compare tax apps
ELSTER
The official German tax portal
Completely free
Official government portal
Handles all return types including business
German-language only
Certificate setup takes 1 to 2 weeks
Steep learning curve for newcomers
Use ELSTER

Which of these you actually need

This page covers three fairly different situations, and most people need only one of them. If you are employed and want to file a return, tax software handles it and you can skip everything else. If you are freelancing or forming a company, you are in different territory and the stakes are higher.

The dividing line is roughly this: an app is sufficient for an ordinary employee return. A tax advisor becomes worth the cost once you have business income, VAT obligations, or income across more than one country.

Company formation, briefly

Germany has two common company forms for small businesses. The GmbH requires €25,000 of share capital, of which at least €12,500 must be paid in at formation. The UG, sometimes called a mini-GmbH, can be founded with as little as €1 but must retain a quarter of its annual profit until it reaches GmbH-level capital.

Both require notarisation, which is a genuine bottleneck. The notary appointment, the commercial register entry and the trade office registration all happen in sequence, and the whole process traditionally takes several weeks. Digital formation services compress this considerably by handling the paperwork and offering online notary appointments, though the notary fees themselves remain payable either way.

Freelancers, Freiberufler, avoid all of this. There is no company to form and no share capital, just a registration with the tax office. Whether you qualify as a freelancer rather than a trader depends on your profession and is decided by the Finanzamt, not by you.

Documents and certification

German administrative processes ask for certified copies and certified translations far more often than most newcomers expect, and the certification is usually the slow part rather than the document itself.

A translation certified in your home country is frequently rejected, because many German authorities require a translator sworn in Germany specifically. Check the requirement before paying, since having a translation done twice is common and avoidable.

When you need a Steuerberater

Some situations genuinely require a qualified German tax advisor rather than an app or a DIY approach:

  • Running a GmbH or UG with annual accounts to file
  • Freelancers with complex income across multiple countries
  • VAT registration and quarterly VAT returns (Umsatzsteuervoranmeldung)
  • Any situation involving a Finanzamt audit or dispute
  • Cross-border tax questions where double-taxation treaties apply

Important information

The content on this page is general information only and is not individual legal or tax advice. Check provider terms and seek qualified professional advice where appropriate.

Some links on this page are affiliate links. We may earn a commission at no additional cost to you. Our recommendations are based on relevance, accessibility and suitability for internationally mobile students and professionals. Arrivon does not provide financial, legal, immigration, insurance or tax advice.

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