UmweltBank AG review

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

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Our verdict

UmweltBank AG offers German account holders a revolving credit line at an APR of 9.339% and a variable rate. It suits people who bank there already and want a flexible buffer, and who meet the salary credit and online mailbox conditions for the individual line.

Key facts

Best for
A flexible revolving buffer on an existing German current account.
APR
9.339% (Source, checked September 26, 2026)
Loan amount
€500 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Adults (18+) with residence in Germany; an individual Dispokredit additionally requires three consecutive salary or pension credits to the account and the activated online mailbox (Source, checked September 26, 2026)
Loan types
Credit-line (Source, checked September 26, 2026)
Legal entity
UmweltBank AG (Handelsregister Amtsgericht Nuernberg, HR B 12.678) (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1997 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
umweltbank.de

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInxing.cominstagram.comyoutube.com

Pros and cons

Pros

  • APR of 9.339% sits under the credit line median of 10.5%
  • A revolving credit line, so you draw only what you need from €500
  • A direct lender rather than a broker, so direct lender decisions are made in house
  • Support runs on email, phone and help centre, including phone and email

Cons

  • The rate type is variable, so the cost of the line can move
  • The credit check is hard, which can affect an existing credit file
  • Eligibility for the individual line also needs consecutive salary or pension credits and an activated online mailbox
UmweltBank AG

Ready to try UmweltBank AG?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults resident in Germany who hold the current account with the bank
  • Pensioners with regular pension credits to the account
  • People who want a revolving buffer rather than a fixed term loan

Who should look elsewhere

  • Borrowers who need a fixed repayment schedule, since the rate type is variable
  • Anyone without consecutive salary or pension credits to the account
  • People wanting a large lump sum, as the line tops out at €500

How UmweltBank AG compares

Where UmweltBank AG is available

Available
Germany
Licence in Germany
European Central Bank (EZB/ECB) - competent authority for licensing, checked September 26, 2026
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) - competent authority for consumer protection, checked September 26, 2026

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

Frequently asked questions

What does the UmweltBank AG credit line cost?+

The credit line carries an APR of 9.339%. The rate type is variable, so the figure can change rather than staying locked for a fixed period. The line is €500, and you draw against it as needed.

How much can I borrow on the credit line?+

The credit line is €500. It is a revolving arrangement listed under credit line, so the available amount stays with the account rather than being paid out once. You repay and redraw as your balance changes.

What credit check is applied?+

The credit check is hard. That is the most common kind of check in this category, where 74.3% of the brands compared run one. It is worth weighing before applying if your file is thin.

Who can apply for the individual Dispokredit?+

Eligibility covers adults with residence in Germany. The individual Dispokredit adds a further condition: consecutive salary or pension credits into the account, plus an activated online mailbox. Support runs on email, phone and help centre if you need the detail.

Is UmweltBank AG regulated?+

It is a direct lender based in Germany, listed as direct lender with its credit line. Licensing sits with the European Central Bank as competent authority for licensing, while consumer protection supervision is with BaFin.

How does the cost compare with other credit lines?+

The APR of 9.339% compares with a credit line median of 10.5% across the brands listed. UmweltBank AG also ranks at 148 of 350 on APR and at 378 of 685 on loan amount.

What is UmweltBank AG and how old is it?+

UmweltBank AG is the legal entity behind the account and the credit line, registered with the Amtsgericht Nuernberg. It was founded in 1997 and is headquartered in Germany. It lends directly rather than acting as an intermediary.

Can I reach a person if something goes wrong?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. For this category 86.2% is the most common channel among listed brands. There is no live chat listed for the bank.

Sources

  • umweltbank.de checked September 26, 2026

    Backs: Founded

    “Banking mit Haltung seit 1997”

  • umweltbank.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “Adresse UmweltBank AG, Laufertorgraben 6, 90489 Nuernberg”

  • umweltbank.de/konto-karte/girokonto checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Lender type, Loan types, Rate type

    “Dispositionskredit optional - Sollzins: 9,339 % p. a. (variabel)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Arrangement fee, Funding time, Representative example.

UmweltBank AG

UmweltBank AG

A flexible revolving buffer on an existing German current account.

9.1/10See alternatives

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