CashPlus:The smartest interest rate product in Germany.
In Germany, there are over 150 million bank cards linked to interest-free accounts. With CashPlus, we’re finally changing that: In addition to attractive interest rates, you also get maximum flexibility by being able to pay worldwide free of charge with your interest-bearing money. This way, you benefit optimally from interest rate developments without capital market volatility.
Higher interest rate than the average current account
Higher interest rate than the average overnight deposit account
Bank cards that CashPlus beats on interest rates
What the plus stands for in CashPlus
You participate in the short-term Euro interest rate. Currently this rate is 3.2%
There is no risk of value loss due to capital market fluctuations.
Pay as easily and conveniently as you normally would. Only with higher interest rates.
You do not have to adhere to any term or minimum investment amount.
(23. May 2023)
Get the exact interest rate / HERE
Get 10€ starting credit
There is no minimum investment or maturity limit with CashPlus and interest is paid daily. It’s as simple as this:
You invest in a portfolio that pays the interest rate of the Euro short-term rate
The daily determination of this interest rate is done by the European Central Bank
If the central bank increases the interest rate in the future, the interest rate of CashPlus will also increase
You can enjoy above-average interest rates and pay flexibly with your money at any time
As with all UnitPlus portfolios, with CashPlus your money is yours at all times and enjoys special rights in full as special assets. In addition to the statutory deposit insurance, your money is protected in the event of the insolvency of UnitPlus or our partner bank.
Another benefit: CashPlus always brings you more return than it costs
CashPlus’ annual interest is currently 3.2%, while the total cost of the portfolio and UnitPlus is 0.6% (incl. external costs for portfolio construction). CashPlus therefore not only finances itself, but also generates more profit every day.
Income after costs
You still have questions? We have the answers:
How much return can I expect with CashPlus?
How can CashPlus pay such high interest rates?
Can I lose money?
Find out what makes CashPlus so attractive.
Investing involves risks and can lead to a total loss of the capital invested. A positive return is not guaranteed, and a historical return is no guarantee for the future.
Find out what our investors like about us:
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.
The return after costs is calculated as follows: The annual interest rate of the Euro short-term rate of 3.15% plus the positive adjustment of 0.085% is multiplied by the portfolio value and then divided by 12. This reflects the position as of May 22, 2023. The cost of CashPlus totals 0.60%. To calculate the costs, the amount invested is multiplied by 0.60% and then also divided by 12. In the last step, the costs are subtracted from the return and the result is the return after costs.