UmweltBank review 2026
How good is UmweltBank really?
BaFin-regulated 79/100 points
kosten.org editorial team
Last updated: 2026-02-16
79/100
Points
Based on published terms and features
UmweltBank combines attractive interest with a clear conscience: 3.00% p.a. on call money while your money flows exclusively into sustainable projects. BaFin-regulated and with German deposit protection.
Highlights of our UmweltBank review
- 3.00% p.a.
- 100% sustainable
- BaFin-regulated
- German deposit protection
Table of contents
1 Interest rates & terms
24/30
Points
3.00% p.a. on call money. No tiering, no minimum deposit. Interest credited quarterly. The rate applies to new and existing customers. Green fixed-term deposit and savings certificate offers in addition.
2 Security & deposit protection
24/25
Points
BaFin-regulated. German deposit protection up to €100,000. Member of the deposit protection fund of the BdB (the Association of German Banks) (extended protection). 27 years of banking history in Nuremberg.
3 Account opening & management
13/20
Points
Online account opening via PostIdent (identity verification at a post office) or video identification. Solid online banking. Detailed reports on the sustainable use of the funds. Transparency reports.
4 Flexibility & availability
11/15
Points
Daily availability. Transfers to the reference account in 1-2 working days. No notice periods. Very limited product range (savings products only).
5 Costs & transparency
7/10
Points
Free of charge. Outstanding transparency on the use of funds. Annual sustainability report. Tax certificate automatic.
Pros & cons at a glance
Pros
- Clear conscience + good rates
- BaFin + extended deposit protection
- Transparent use of funds
- Green bank
Cons
- No current account
- No app banking
- Limited product range
Conclusion: UmweltBank review
79/100
Good (2.0)
UmweltBank is the perfect choice for sustainability-minded savers: 3.00% interest with BaFin security while your money is invested exclusively in green projects.
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