UmweltBank Flexible Savings Account: UmweltFlexkonto Review 2026
In a nutshell:
- The “UmweltFlexkonto” is a flexible savings account offered by UmweltBank.
- It pays a top interest rate of 3% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by UmweltBank.
UmweltBank
UmweltFlexkonto
3.00%
annual percentage yield
How much interest does the UmweltBank UmweltFlexkonto pay?
UmweltBank offers the flexible savings account "UmweltFlexkonto" with annually interest payouts. The promotional interest rate of 3% is valid for 3 months. This interest is applicable for account balances of at most 50,000 euros. The regular interest rate is 0.6%.
Who is behind UmweltBank?
UmweltBank is a German direct bank with a specialised focus on sustainable and ecological finance. Founded in 1994, it aims to support environmentally friendly projects and investments by offering products aligned with sustainability principles. In addition to standard banking solutions, UmweltBank offers savings and deposit products for customers who value ethical, eco-conscious financial services. Its online-centric model enables retail customers across Germany to access competitive savings solutions, with transparent disclosures and a strong commitment to sustainability.
How safe is my money with UmweltBank?
Customer deposits at UmweltBank are protected under the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the legal limit of 100,000 euros per depositor and bank. This is in accordance with EU law. Germany’s sovereign credit rating remains strong (AAA with major agencies), which bolsters confidence in its banking and regulatory frameworks.
How can I manage the UmweltFlexkonto account?
The "UmweltFlexkonto" at UmweltBank is managed through the bank's online banking platform or mobile application (iOS and Android). The entire UmweltBank flexible savings account can be managed digitally, allowing you to view balances, initiate transfers, manage documents, and more.
Customer support is available via secure messaging and telephone. Customer service is available in German, and the mobile application is delivered in English and German.
How can I open the UmweltBank UmweltFlexkonto?
To open the "UmweltFlexkonto" at UmweltBank, you can begin the process entirely online via the bank's website. Applicants must be 18 years of age or older and have German residency (you may be asked to provide your "Meldebestätigung" for identification).
Moreover, you require a European current account with an IBAN number (SEPA). This reference account facilitates deposits and withdrawals for UmweltBank flexible savings account. To approve transactions, you need a smartphone with the SecureGo+ app installed. The application requires personal information and identification, which is verified through either a digital German ID card (eID), webcam (VideoIdent), or in person at a post office (PostIdent), depending on your preferences and available options.
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