easybank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

easybank suits Austrian salaried staff who want a personal or debt consolidation loan with no arrangement fee and money the same day. Funding lands immediately or within a day once the hard credit check passes, and amounts run €4,000 to €75,000 over terms of 12 to 120.

Key facts

Best for
Austrian employees consolidating debt or funding a home project without an arrangement fee
Loan amount
€4,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no processing fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Disbursed immediately or within 24 hours after a positive credit check (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adult, main residence in Austria, permanent non-self-employed and non-terminated employment with an Austrian company, no negative KSV entries, proof of income, Austrian current account (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
easybank.at

Mortgages

Fixed period
up to 25 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
Wikidata

Pros and cons

Pros

  • No arrangement fee: 0 EUR (no processing fee) and 0% on personal and debt consolidation loans
  • Fast payout: money is disbursed immediately or within a day after a positive credit check, and same day funding is listed
  • Free early repayment, so you can clear the balance early at no cost
  • Large ceiling for a personal loan at €4,000 to €75,000, well above the €876.96 site median

Cons

  • Hard credit check, which is the majority case on this site at 72.7%, so a single miss counts
  • Eligibility is narrow: you need an Austrian current account and permanent employment with an Austrian company
  • The minimum loan of €4,000 to €75,000 is far above the €876.96 typical amount, so small sums are out of reach
easybank

Ready to try easybank?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults living in Austria with permanent, non-self-employed employment at an Austrian company
  • Anyone who wants a personal or debt consolidation loan with no arrangement fee
  • Borrowers who value a same-day payout after a positive credit check over a wider product range

Who should look elsewhere

  • Anyone without an Austrian current account, since the account is a stated condition
  • Self-employed or contract workers, who do not meet the permanent employment condition
  • Borrowers carrying negative KSV entries, who are excluded by the eligibility rules

How easybank compares

Where easybank is available

Available
Austria, Germany
Licence in Austria
Finanzmarktaufsicht (FMA), checked September 26, 2026
Licence in Germany
Europäische Zentralbank (EZB/ECB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does easybank charge for arranging a personal loan?+

There is no arrangement fee. The stated fee is 0 EUR (no processing fee) and the percentage charge is 0%. Early repayment is also free, so clearing the loan early costs nothing extra. That makes the total cost depend on the rate and term rather than on upfront charges.

How fast do I get the money after applying?+

Funding is disbursed immediately or within a day after a positive credit check. Same-day funding is one of the listed features, same day funding. The check itself is a hard one, so a decision usually follows the credit assessment rather than a soft eligibility form.

How much can I borrow and over what term?+

Personal and debt consolidation loans run €4,000 to €75,000 across a term of 12 to 120. The smallest amount is well above the €876.96 site median, so this suits larger one-off needs rather than topping up a small balance.

Who is eligible for an easybank loan?+

You must be an adult living mainly in Austria, in permanent non-self-employed, non-terminated employment with an Austrian company. You also need proof of income, an Austrian current account and no negative KSV entries. Those conditions are narrow, so check them before applying.

Is easybank regulated?+

Yes. The Austrian side is supervised by Finanzmarktaufsicht (FMA) and the German side by Europäische Zentralbank (EZB/ECB), and the brand is based in Austria. The lending runs through the bank behind the brand, direct lender, so you deal with the lender itself rather than a broker.

Can I repay the loan early?+

Yes. Free early repayment applies, so settling the balance ahead of schedule carries no extra charge. Among lenders tracked here, 81.2% offer this, so it is a common feature rather than a rare one.

What support can I reach?+

Support runs on email, phone and help centre, covering email, phone and a help centre. On the site, phone support appears for 85% of lenders and a help centre for 79.8%, so phone and written help are the common channels.

Sources

  • easybank.at/easybank/fakten checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Support channels

    “1996 (as easybank AG); market entry January 1997”

  • easybank.at/easybank/kredite/easy-kredit checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Term, Use cases

    “no negative KSV entries; positive credit check required”

  • easybank.at/easybank/kredite/easy-wohnbaukredit checked September 26, 2026

    Backs: Fixed period, Maximum loan to value, Purpose

  • easybank.at/easybank/kreditrechner checked September 26, 2026

    Backs: Loan amount, Origination fee (%)

    “Choose the amount of your online credit between 4,000 Euro and 75,000 Euro (easy kredit)”

  • fma.gv.at checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

easybank

easybank

Austrian employees consolidating debt or funding a home project without an arrangement fee

9.3/10See alternatives

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