As flexible as a savings account, more profitable than a term deposit – rethinking corporate liquidity.
Earn up to 2.80% p.a. with optimized cash management
Fully protected as special assets beyond deposit insurance limits
Enjoy full access to your company’s capital – anytime
UnitPlus Business – The Future of Cash Management for Companies
UnitPlus Business is your smart solution for modern cash
management – inspired by the treasury strategies of the world’s
most successful companies.
The intelligent UnitPlus Business Cockpit analyzes your liquidity
in real time and helps your company to strategically invests
surplus capital for optimal returns. This way, your corporate
liquidity works profitably, flexibly, and securely becomes a
profit driver in your company.
Smart combinable investment vehicles with UnitPlus Business Cockpit
Optimally manage your corporate liquidity through any interest rate environment.
Money Market Fund
2.21 % p.a.
Overnight money market investment – yields closely correlated with the ECB deposit rate
No minimum holding period – the ideal alternative to traditional savings accounts
Full protection for amounts over €100,000 through segregated special assets
Euribor 3M Fund
2.39 % p.a.
Money market investment linked to the 3-month Euribor – typically 0.20 to 0.40 percentage points above the ECB deposit rate
No minimum holding period – ideal for durations of just a few weeks
Full protection for amounts over €100,000 through segregated special assets
Treasury Fund
2.80 % p.a.
Investment in short-term interest-bearing bonds – targeting yields 0.30 to 0.60 percentage points above the 3-month Euribor
No minimum holding period – recommended investment horizon from 6 months. An ideal alternative to term deposits
Full protection for amounts over €100,000 through segregated special assets
The complete toolkit for managing corporate liquidity
Higher Returns from Day One
Surplus liquidity is invested according to your companies time horizon – delivering immediate profitability and a clear competitive advantage.
Maximum Flexibility
Deposit and withdraw at any time – stay fully agile without capital lock-up or transaction fees.
Protection with Substance
Your company’s assets are fully secured as insolvency-protected special assets – even beyond statutory deposit insurance limits (”Einlagensicherung”).
Liquidity at a glance across all Company Accounts
Connect all your business bank accounts with UnitPlus Business to gain a comprehensive, real-time view of your company’s total liquidity. This enables targeted investment of surplus funds while sustainably strengthening your operational flexibility.
This is how easy UnitPlus Business works
Start now
Ready to go in no time
Registration takes just 30 minutes – fully digital, time-saving, and hassle-free.
Finances at a glance
The intuitive financial cockpit gives you instant clarity on your liquidity – data-driven, transparent, and action-oriented.
Capital that works for your company
Surplus funds are invested in smart alternatives to overnight and term deposits – inspired by the strategies of the world’s most successful companies.
Success you can measure. Results you can bank on.
40k €
Average annual return with UnitPlus Business
3x
Outperforming traditional bank solutions
100%
Share of liquidity fully secured as special assets
Full access to company capital at any time
Maximum
Flexibility
Your entire corporate liquidity remains fully accessible – anytime, without restrictions.
Maximized
Yield
Earn yield every business day – for consistent returns and optimal compounding.
Free Deposits
& Withdrawals
Easily move capital in and out – with zero transaction fees.
Invest corporate capital as profitably and securely as the world’s largest companies.
But without large finance departments and for a fraction of the cost.
Security at the Highest Level:
Corporate liquidity is the foundation for sustainable growth and long-term business success. But managing liquidity to maximize capital returns is only truly effective when security is guaranteed. That’s exactly the principle behind the development of UnitPlus Business.
Institutional-Grade Custody
Corporate funds are safeguarded as bankruptcy-remote special assets, independent of the balance sheets of UnitPlus and all partner banks.
Global Diversification Instead of Concentration Risk
Unlike traditional bank deposits, your capital is broadly diversified across global money and markets – providing effective protection against bank insolvencies and reducing systemic risk.
Trust Backed by Strong Partners
With Goldman Sachs Asset Management and DWS, we rely on two of the world’s most respected institutions in the money and bond markets – ensuring maximum stability and expertise.
Technology That Makes the Difference
Our modern cash management cockpit combines top-level security, intuitive design, and full control – built on the latest IT standards. Awarded Finance Product of the Year 2025.
Institutional-Grade Custody
Corporate funds are safeguarded as bankruptcy-remote special assets, independent of the balance sheets of UnitPlus and all partner banks.
Global Diversification Instead of Concentration Risk
Unlike traditional bank deposits, your capital is broadly diversified across global money and markets – providing effective protection against bank insolvencies and reducing systemic risk.
Trust Backed by Strong Partners
With Goldman Sachs Asset Management and DWS, we rely on two of the world’s most respected institutions in the money and bond markets – ensuring maximum stability and expertise.
Technology That Makes the Difference
Our modern cash management cockpit combines top-level security, intuitive design, and full control – built on the latest IT standards. Awarded Finance Product of the Year 2025.
No work with accounting:
All necessary documents for accounting are provided digitally and free of charge.
Hundreds of medium-sized companies already trust UnitPlus Business.
Patrick Henning
Geschäftsführer
neXenio GmbH
We were looking for the most profitable and secure solution for our company’s liquidity and found it in UnitPlus Business. As an IT service provider, we also particularly like how user-friendly the web interface is.
Our goal is to bring great data security and distributed collaboration solutions to the business world.
Timo Hilgenhaus
Geschäftsführer
Hilgenhaus Grünbau GmbH
Unitplus Business opens up new opportunities for us to manage our company’s liquidity in order to provide for periods of low earnings and build up reserves. The product impresses with its simplicity of use and absolutely fair and good conditions.
Hilgenhaus Grünbau GmbH is a medium-sized gardening and landscaping company with around 25 employees. We plan and design private, commercial and public open spaces.
Carsten Lympius
Inhaber und Geschäftsführer
hano-Holding GmbH
Flexible option to invest liquidity of less than € 1 million available at short notice at manageable fees on a daily basis in conjunction with a very low probability of default.
hano-Küchen GmbH & Co. KG produces fitted kitchens and markets most of them directly to the housing industry.
For mid-sized companies.
For market leaders.
For anyone who wants to invest smarter.
Contact us
If you have any questions or suggestions, we are available for you
Monday to Friday from 8 am to 6 pm.
You can reach us at:
Phone: +49 30 83795115
Mail: contact@unitplus.eu
Alternatively, you can also book an appointment for a conversation here.
Make appointment
Kerstin Meissner
Denis Bassler
Dario Gajewski
FAQs
How can UnitPlus Business optimally invest company liquidity through any interest rate environment?
As with the most successful companies worldwide, investments are made via the institutional money and bond market. This allows your company’s liquidity to be invested in line with maturities and interest rates – regardless of the current interest rate environment. This professional approach ensures that your surplus capital does not remain unused, but continuously works for you in the best possible way, tailored to your individual liquidity requirements.
How is the company’s liquidity invested?
The UnitPlus Business investment is made in one of the
following investment funds, which are actively managed by DWS
or Goldman Sachs Asset Management:
– Goldman Sachs Euro Liquid Reserves Fund: ideal for
short-term investments as it is available daily, flexible and
closely aligned with the ECB deposit rate.
– Liquid Euribor 3M: Ideal for investment periods of a few
weeks, as the interest rate is higher than the ECB deposit
rate and there is no minimum term.
– DWS Floating Rate Notes FC: Ideal for an investment horizon
of 6 months or more, as this fund invests in short-dated,
floating-rate bonds and keeps your liquidity flexible.
What are the requirements for opening a custody account for my company?
Currently, companies with the legal forms GmbH, GmbH & Co. KG,
UG, KG, AG, eGbR and GbR can use UnitPlus Business, provided
they are resident in Germany for tax purposes and do not
conduct business in high-risk countries or are financial
services institutions as defined by the German Banking Act
(KWG).
The minimum investment is €1,000.
What is a Legal Entity Identifier (LEI number) and why does my company need one?
The Legal Entity Identifier (LEI) is a 20-character
alphanumeric identifier used to uniquely identify legal
entities involved in financial transactions.
The purpose of the LEI is to create transparency in the global
financial system by uniquely identifying companies and other
legal entities operating in financial markets. The LEI was
introduced to improve risk management and facilitate the
monitoring of systemic risks in the financial system. An LEI
is issued by authorised authorities or by issuing bodies
commissioned by them. The LEI contains, among other things,
information about the legal entity and the country of
registration.
Please note that every company must have a valid LEI in order
to actively use UnitPlus Business. If your company does not
yet have an LEI number, you can apply for one during the
registration process. The process is completely digital and
usually only takes a few minutes until activation.
What documents does UnitPlus Business provide me with for accounting purposes?
UnitPlus Business provides companies with comprehensive tax
information to help them declare all capital gains in their
tax returns. Investing companies receive the following
information in particular:
– Information on the tax cost valuation and subsequent
valuation as at 31 December of a year
– Information on all tax-relevant transactions
– Information on the advance lump sum deemed to have been
received, taking into account purchases made during the year,
if relevant
– Tax information for investors in business assets to help
with your bookkeeping