Latent heat storage by phase change materials (PCM) is a promising way of thermal energy storage for equilibrating the daily fluctuation of temperature in office- and home buildings. Bio-originated compounds have got great importance to evade further plastic contamination all over the world. Durability of biodegradable natural materials by means of environmentally friendly agents is an exciting challenge. In this study Ca alginate-coconut oil eco-friendly core-shell PCM microcapsules were functionalized with Ag nanoparticles, following their synthesis using harmless reducing agents. Throughout the preparation of the PCM microcapsules by repeated interfacial coacervation/crosslinking procedure, the Ag nanoparticles were homogeneously dispersed in the Ca alginate shell. High coconut oil content was achieved in the Ag nanoparticle-loaded microcapsules, which was not influenced by the Ag nanoparticle content. The high PCM content resulted in correspondingly high latent heat storing capability. The freezing and melting heat storing capacities were in the range of 83.6 and 85.6 J/g, as well as 89.7 to 92.6 J/g, respectively, matching to the extremely high PCM content in the range of 82.7% to 84.8% (m/m). Leaking of the heat storing microcapsules was not observed after 200 heating-cooling cycles. The Ag nanoparticle content did not influence the PCM ratio of the microcapsules, although as expected their antimicrobial potential was significantly enhanced by it. The highest Ag nanoparticle loading, that was 1.3% (m/m) related to the total mass of microcapsules, exerted excellent antibacterial and antifungal impact.