The new era
of paying
Pay worldwide free of charge
3.98% interest per year with CashPlus
0.1% cashback on every payment
As a special asset more secure than any bank account
Make more plus with your cash. With the UnitPlus Mastercard and CashPlus.
Always the best interest rate
You participate in the short-term Euro interest rate. This is currently 3.98%.
Simple contactless payment
Pay as easily and conveniently as you normally would. Only with interest.
Cashback on every payment
Get 0.1% cashback on every payment you make with your UnitPlus Mastercard.
No foreign currency fees
Pay free of charge worldwide, regardless of the currency.
The best way to pay: Worldwide free of charge and with the best interest rate on your UnitPlus Mastercard.
Download the UnitPlus app now
Goodbye Inflation.
The only bank card with positive real interest rates. Worldwide.
2.8%
Inflation rate Euro-Zone
January 2024
3.98% per year
Interest with CashPlus
How to invest your money with UnitPlus
With UnitPlus, you not only benefit from rising interest rates thanks to CashPlus, but can also invest in our diversified portfolios put together by financial experts. Those portfolios earned the title Investment Newcomer of the Year in Germany 2023 by Capital and Institut für Vermögensaufbau. In this way, you increase your earnings potential in the long term and build up wealth.
CashPlus
Profit daily from rising interest rates with full flexibility. The better alternative to overnight money.
Play video
FestPlus
The flexible and profitable alternative to traditional fixed deposits. Benefit from high interest rates in the long term.
Play video
Mountain-series
Mountain portfolios offer a smart selection for long-term growth and global diversification.
Play video
You decide with which portfolio you pay
Simply set in the app which portfolio you want to pay with
Thus you decide yourself on which money you want to access flexibly
You can change this setting at any time without any problems
Start paying smartly in
under 10 minutes
Start paying smartly in under 10 minutes
1.
Download the app
2.
Open an account
3.
Start investing easily
Your money at UnitPlus is safer than in any bank account.
Your money belongs to you:
Unlike traditional bank accounts, your money at UnitPlus
is considered special assets and is therefore protected.
Trusted partners:
We collaborate with the fully licensed European Aion
Bank, supervised by BaFin in Germany.
Secure payment transactions:
With your Mastercard, you can pay worldwide securely and
without any fees.
Protection against insolvency:
Even in the event of insolvency of UnitPlus or Aion
Bank, your money is safe, even beyond 100,000 euros.
Your money belongs to you:
Trusted partners:
Secure payment transactions:
Protection against insolvency:
Where can I pay with the UnitPlus card?
Conveniently pay with your UnitPlus card anywhere Mastercard is accepted. That’s at over 70 million points of acceptance worldwide.
Where does the money on my UnitPlus card come from?
With your new UnitPlus card you can easily and conveniently pay directly with your UnitPlus portfolio. You decide which portfolio you want to invest in during the onboarding process. So your money is invested in a professional portfolio until you want to pay with it.
Can I also pay with Apple Pay or Google Pay?
You can also store your UnitPlus debit card with Apple or
Google Pay for even easier and faster payments in the
future. Here’s how it works to connect with Apple Pay:
For your iPhone:
1. open your settings
2. click on ‘Wallet & Apple Pay
3. tap on ‘add card’ and select ‘debit card
4. scroll all the way down in the bank search, click ‘Add
other card’ and follow the instructions
For your Apple Watch:
1. connect your iPhone to your Apple Watch.
2. open the Watch and click on ‘Wallet
3. click on ‘Add card’ and follow the instructions
Find all relevant card details in your UnitPlus app.
Find out what our investors like about us:
Serial entrepreneur
Money in the checking account loses value. UnitPlus changes that. Money is invested but available with the debit card. I invested because there is a great team behind it and I use UnitPlus myself.
Former federal minister
From the very beginning, I was convinced that UnitPlus gives everyone in Germany the opportunity to invest with a focus on returns and still remain flexible.
Former CEO Commerzbank AG
As a former banker, I know how valuable savings deposits can be for banks. However, the banks only pass on the resulting returns to savers to a very limited extent. UnitPlus is turning this way of thinking around and wants to encourage more savers to invest smartly and flexibly with its globally innovative product.