Notice: This page contains advertising for an investment in Oikocredit.
How investing works
Investing with Oikocredit is a straightforward way to make a difference. Start with as little as
€200 and contribute to meaningful change. Here’s how your investment reaches the communities we support.
Notice: This page contains advertising for an investment in Oikocredit.
Important notice
Investing outside focus countries
Thank you for your interest in supporting Oikocredit’s mission & vision. Unfortunately, we currently do not offer our investment product in your location.
New investments are only possible for investors from:
Learn how you can get involved
How we build value
Quick and easy
Discover how your investment drives positive change, step by step. From financing local partners to empowering communities, here’s a quick look at how we do it.
Sustainable, impact investing
Investing in Oikocredit
Make a meaningful investment and join Oikocredit’s mission.
Your investment supports microcredit, agriculture, and renewable energy projects with trusted local partners in Africa, Asia, Central and South America and the Caribbean. So we can create measurable social impact while producing modest dividends.
Once you’ve made your initial investment, you can invest more at any time. Invest as an individual or company and start making a difference today.

Start today
Over 46,000+ investors are already making an impact. Why wait? Get started with Oikocredit today.
Investing vs saving: know where your money goes
Why invest?
Investing with Oikocredit means your money is actively used to create social impact. Unlike saving in a traditional bank account, – where you do not know how the funds are used, – with Oikocredit your investment supports projects that empower communities across the world. While investing comes with its risks, Oikocredit’s long history and strategic approach aims to protect your capital and create meaningful change.

Ready to make a difference?
Together for a just world: The support associations and their members are actively engaged in their local regions across Europe. They provide a unique platform for shaping and influencing the cooperative and raise awareness on topics such as responsible investing and climate resilience. Would you like to contribute as well? Join a support association and support our work!
Increase my investment
Manage your investments and stay connected with your portfolio anytime
Simply log in to your MyOikocredit account to make additional investments.
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Once you’ve made your initial investment, you can easily increase your investment in Oikocredit participations at any time, with an amount of your choice. Simply log in to your MyOikocredit account to make additional investments.
You can easily increase your investment also by bank transfer. To do so, simply transfer funds from your bank account, ensuring that you include either your investment number (starting with “l-“) or your six-digit investor number in the reference field.
Please note: The name on the bank account must match the name of the Oikocredit account holder. Transfers are accepted only in EUR from authorized bank accounts in the European Union. For Switzerland transfers are accepted in CHF or EUR from bank accounts in Switzerland.
Our bank account details
Account holder: OIKOCREDIT E.D.C.S. U.A.Austria
IBAN: AT57 2011 1826 7043 6100
BIC: GIBAATWWXXXBelgium
IBAN: BE64 5230 8151 6552
BIC: TRIOBEBBFrance
IBAN: FR76 4255 9100 0008 0051 1172 464
BIC: CCOPFRPPXXXGERMANY
North Germany
IBAN: DE64 3506 0190 1011 8420 34
BIC: GENODED1DKDNiedersachsen-Bremen
IBAN: DE89 3506 0190 1011 8420 69
BIC: GENODED1DKDEast Germany
IBAN: DE11 3506 0190 1011 8420 18
BIC: GENODED1DKDWest Germany
IBAN: DE12 3506 0190 1011 8420 00
BIC: GENODED1DKDHesse-Pfalz:
IBAN: DE20 3506 0190 1011 8420 50
BIC: GENODED1DKDBayern
IBAN: DE42 3506 0190 1011 8420 42
BIC: GENODED1DKDBaden-Württemberg
IBAN: DE86 3506 0190 1011 8420 26
BIC: GENODED1DKDSweden
NL49 RABO 0300 0562 57
BIC: RABONL2USwitzerland (no BIC on the old website)
Schwyzer Kantonalbank (SZKB)
Oikocredit E.D.C.S. U.A., General-Guisan-Strasse 47, 8400 Winterthur
IBAN (CHF): CH97 0077 7009 3701 6742 4
IBAN (EUR): CH27 0077 7009 3701 6732 6Please note that organisations cannot increase their investment online. To do so, contact us via [email protected]
If you need further assistance, feel free to email us at [email protected].

Everything you need to know
FAQ
Do you have questions about investing in Oikocredit? Find answers and get more details about the process and what to expect. More questions related to investing
can be found on the general FAQ page.
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Since Oikocredit was founded in 1975, no investor has lost their invested capital. However, it’s important to note that past performance is not a guarantee of future results. Oikocredit is not a bank, and investing in Oikocredit participations involves different risks compared to a savings account. Your investment in Oikocredit participations represents equity in the organisation, which carries considerable risks.
In the event of a bankruptcy, your investment is not protected by any deposit or investor compensation scheme. However, Oikocredit takes measures to minimise risks for the organisation, its partners, and investors. For more details, see ‘What are the risks of investing in Oikocredit?’ and ‘What does Oikocredit do to minimise risks?’.
If Oikocredit were to become insolvent, claims on participations would be ‘subordinated’, meaning that in case of bankruptcy, investors are paid out after all other creditors.
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Investing in Oikocredit participations means investing in the organisation’s equity, which comes with considerable risks. You may have to wait a long time to get your money back, and there’s a possibility that you might receive less than you originally invested. In the worst-case scenario, you could lose your entire investment. It’s crucial to be comfortable with these risks before investing.
Oikocredit outlines financial, non-financial, and strategic risks in detail in chapter 1 of its Prospectus, which all investors are strongly encouraged to read. For an overview of these risks, consult the prospectus summary available in your language.
Oikocredit works to protect investors by setting aside provisions for expected losses and making careful business decisions, but there will always be some residual risk. Key risks include:
- Dividends are not guaranteed and may fluctuate.
- The value of participations may fall below your initial investment.
- You may not be able to sell or redeem your participations immediately, as this depends on Oikocredit’s discretion to repurchase them.
For more information, see the prospectus and ‘What does Oikocredit do to minimise risks?’.
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To invest in Oikocredit, follow these steps:
- Fill in the form: You will be contacted by our friendly engagement team to start your offline onboarding process.
- Provide details: We’ll reach out to warmly welcome you and guide you through the process using your preferred communication method. Then we send you the relevant forms for the next step.
- Submit documents & verify your identity: You’ll need to submit the official documents required to complete the process. This includes verifying your identity.
- Transfer your investment: Send the amount you wish to invest to Oikocredit’s bank account. Be sure to include your investment number (starting with “I-“) and “purchase of participations” in the reference field.
- Make your first investment: Once your account is confirmed, you can make your first investment of a minimum of €200.
With your MyOikocredit account, you’ll have 24/7 access to manage your investments online.
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You can invest in Oikocredit if you or your organisation:
- Reside in a country where Oikocredit is authorised to offer participations.
- Support Oikocredit’s mission and confirm your alignment with its purpose when requested.
- Meet the necessary due diligence requirements, including compliance with Dutch laws on anti-money laundering, anti-terrorist financing, and sanctions.
These criteria ensure that our investments are aligned with our values and adhere to all legal requirements.
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Yes, you can open a joint account with another person, as long as both of you are at least 18 years old, reside in the same country, and have a joint bank account to use for your Oikocredit investment. Either account holder can manage the account independently, without needing consent from the other.
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For individuals and joint accounts, you will need to provide the following valid and recent documents during the sign-up process:
Individual account:
- A completed subscription form
- A copy of your official photo ID
- Proof of address
Joint account with another person:
- A completed subscription form
- Proof of address for the address linked to the joint account
- Both account holders will need to provide a certified copy of their official photo ID
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The minimum amount to invest in Oikocredit for the first time is € 200/ CHF 250/ SEK 2000 (the nominal value of one participation). Even if the net asset value per participation is lower at the time of your investment, you still need to invest the minimum amount, which may result in purchasing more than one participation. For additional investments, smaller amounts are allowed, and you will receive fractions of participations accordingly.
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There are no costs for buying, holding, or selling participations in Oikocredit. While we currently have no plans to introduce fees, this could change in the future, and we would inform you in advance if that happens.