easybank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
easybank operates as an Austrian direct bank offering accounts, loans, cards, investments and leasing alongside digitally managed wealth management. For private households wanting app based control and online service in four languages, it combines everyday banking with investment options that carry both opportunities and risks.
Key facts
- Best for
- Austrian households combining banking with digital investing
- Minimum deposit
- €100↗
- Markets
- Stocks, ETFs, Funds, Bonds↗
- Legal entity
- BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft↗
- Headquarters
- Austria↗
- Founded
- 1996↗
- Support channels
- Email, Phone, Help-centre, Chat↗
- Features
- Same-day funding
- Pricing model
- No monthly fee, Fixed rate
- Audience
- Business, Students, Kids
- Official website
- easybank.at
Loans
- Loan amount
- €4,000 to €75,000↗
- Term
- 6 to 60 months↗
- Arrangement fee
- 0 EUR (no processing fee)↗
- Credit check
- Hard↗
- Funding time
- Disbursed immediately or within 24 hours after a positive credit check↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- 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↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
Savings
Credit cards
- Card kind
- Credit↗
Mortgages
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- Covers accounts, loans, cards, investments and leasing together
- Operates as an Austrian direct bank for private customers
- App moves funds between accounts and adjusts limits easily
- Digital wealth management pairs automation with professional support
Cons
- Securities investing involves risks alongside opportunities for investors
- Austrian direct bank footprint centres on domestic accounts and services
Who it suits
- Private customers wanting banking plus investments together
- Parents considering youth accounts alongside their own banking
- Investors interested in digitally managed wealth management
Who should look elsewhere
- People preferring in person branch banking
- Investors unwilling to accept securities risks
How easybank compares
Where easybank is available
- Available
- Austria
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who does easybank serve?+
easybank serves private customers in Austria as a direct bank. It also provides youth accounts for children below fourteen when a parent or legal guardian already holds an account with the bank. Service requests and banking run online and through the app.
How does app based banking work at easybank?+
The app allows movement of money between accounts and adjustment of limits for everyday use. Customers describe the app as clear, intuitive and visually appealing. Service requests for data changes, applications and confirmations are completed online in a few steps.
What should investors know about wealth management?+
easybank offers digitally managed wealth management with professional support for investors. Investments carry both opportunities and risks, as stated in its risk notice. Customers considering securities should weigh potential gains against possible losses before investing.
What is the minimum deposit at easybank?+
The minimum deposit at easybank is €100. (Source, checked September 26, 2026)
Which company operates easybank?+
easybank is operated by BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft. (Source, checked September 26, 2026)
When was easybank founded?+
easybank was founded in 1996. (Source, checked September 26, 2026)
How can I contact easybank support?+
easybank offers support through Email, Phone, Help-centre, Chat. (Source, checked September 26, 2026)
Sources
- easybank.at checked September 26, 2026
Backs: Audience
“easy gratis (Studenten), easy kids, Geschaeftskonto”
- easybank.at/easybank/fakten checked September 26, 2026
Backs: Founded, Headquarters, Lender type
“easybank is Austria's largest direct bank and a brand of BAWAG P.S.K. ... a brand without its own legal personality; integrated into BAWAG P.S.K. since March 2020”
- easybank.at/easybank/impressum checked September 26, 2026
Backs: Legal entity, Support channels
“E-Mail: easy@easybank.at, Telefonnummer: +43 (0) 570 05 - 500; hilfe.easybank.at FAQ; Chat”
- easybank.at/easybank/konto/easy-gratis checked September 26, 2026
Backs: Monthly fee
- easybank.at/easybank/kredite/easy-kredit checked September 26, 2026
Backs: Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Arrangement fee, 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/kreditkarten/easy-kreditkarte checked September 26, 2026
Backs: Card kind
“easy kreditkarte”
- 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)”
- easybank.at/easybank/services/debitkarte checked September 26, 2026
Backs: Card type, Card network
- easybank.at/easybank/sparen/easy-geldmarkt checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Einmalerlag ab 100 Euro”
- easybank.at/resource/blob/49872/1/preisblatt-easy-broker-... checked September 26, 2026
Backs: Markets
“Preisblatt Handels-, Verwahrspesen easy broker - Stand 01. Jaenner 2026”
- fma.gv.at checked September 26, 2026
Backs: Deposit protection
Compiled from 12 source pages, checked October 21, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.