UnitPlus: Investment & payment

UnitPlus: Investment plus Payment

+ Benefit from 2.83% interest per year with ZinsPlus (as of September 16, 2026)
+ Invest in professional and award-winning portfolios
+ Pay worldwide with your account and the UnitPlus Mastercard or Apple Pay without fees
+ Open your account in just 10 minutes
+ Your money is fully protected as a special asset

ZINSPLUS: THE NEW GOLD STANDARD FOR SAVING ACCOUNTS

+ 2.83% interest per year (as of September 16, 2026)
+ No maturity date, no maximum limit
+ Benefit daily from increasing interest rates
+ Free worldwide payments
+ As special assets, your money is safer than in any bank account

UNITPLUS PORTFOLIOS

+ Award-winning and professional investment strategies.
+ ZinsPlus: Benefit from the short-term euro interest rate plus an additional return component, keeping you above the ECB level. That’s what modern savings accounts look like today.
+ AktienPlus: The next-generation equity portfolio. Powered by the technology of active ETFs and supported by J.P. Morgan Asset Management.
+ MultiPlus: Multi-asset at the highest level. Leveraging the technology of active equity and bond ETFs from Goldman Sachs Asset Management.
+ FestPlus: The smart alternative to fixed deposits. Invest your money with an above-average return until September 2027 while maintaining flexibility.
+ Die Berg-Serie: Professional portfolios tailored to your needs. Awarded as Best Digital Investment Newcomer by Capital and the Institut für Vermögensaufbau in 2023.
+ FlexPlus: Invest exclusively in European government bonds, minimising risk while maintaining flexibility.

THE UNITPLUS MASTERCARD

+ A new era of payment: Pay with your interest bearing money
+ No foreign currency fees worldwide
+ 0.1% cashback on every payment into one of your UnitPlus portfolios
+ Use Google Pay for easy payments

YOUR PERSONALIZED SAVINGS PLAN

+ Easily invest your money via bank transfer or create a savings plan
+ Utilize our AI-powered personalized savings plan to get more out of your money
+ Adjust your investment according to your life situation and remain flexible

FAIR FEES

+ You only pay 0.5% of the investment amount plus external costs between 0.05% and 0.27% per year.
+ For all portfolios: No fees when paying worldwide and free savings plans.
+ If you invest your money in more than one portfolio at the same time, costs of 1€ per month will be incurred for each investment strategy from the second one onwards.

100% SAFETY

+ Complies with all European regulatory requirements, and your portfolio is protected as a special asset in the event of our or our partner bank's insolvency.
+ We operate according to German banking security and data protection standards.
+ 3D-Secure from Mastercard protects you in all card payments.
+ Data processing is done exclusively in Europe.

If you have any questions or feedback, feel free to contact us at: support@unitplus.eu

Investing carries risks, including the potential loss of invested money. Past performance is not indicative of future results.