The Optimal Investment for Every Time Frame
Professional investment solutions ranging from Savings 2.0 to long-term asset accumulation with multi-asset and the first active ETF portfolio in Germany. Smart investing with no effort, but with additional returns.
The Optimal Investment for Every Time Frame
Professional investment solutions ranging from Savings 2.0 to long-term asset accumulation with multi-asset and the first active ETF portfolio in Germany. Smart investing with no effort, but with additional returns.
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Tägliche Verzinsung
In der App siehst du täglich, wie dein Geld arbeitet und Zinsen erzeugt.
Tägliche Verzinsung
In der App siehst du täglich, wie dein Geld arbeitet und Zinsen erzeugt.
Daily interest
In der App siehst du täglich, wie dein Geld arbeitet und Zinsen erzeugt.
Tägliche Verzinsung
In der App siehst du täglich, wie dein Geld arbeitet und Zinsen erzeugt.
An den Leitzins gekoppelt
Wenn die EZB den Leitzins erhöht, steigt auch deine CashPlus Verzinsung. So bist du immer optimal verzinst.
An den Leitzins gekoppelt
Wenn die EZB den Leitzins erhöht, steigt auch deine CashPlus Verzinsung. So bist du immer optimal verzinst.
Linked to the key interest rate
Wenn die EZB den Leitzins erhöht, steigt auch deine CashPlus Verzinsung. So bist du immer optimal verzinst.
An den Leitzins gekoppelt
Wenn die EZB den Leitzins erhöht, steigt auch deine CashPlus Verzinsung. So bist du immer optimal verzinst.
Weltweit bezahlen
Mit der ZinsPlus Mastercard kannst du jederzeit mit deinem verzinsten Geld gebührenfrei bezahlen.
Weltweit bezahlen
Mit der ZinsPlus Mastercard kannst du jederzeit mit deinem verzinsten Geld gebührenfrei bezahlen.
Weltweit bezahlen
Mit der ZinsPlus Mastercard kannst du jederzeit mit deinem verzinsten Geld gebührenfrei bezahlen.
Weltweit bezahlen
Mit der ZinsPlus Mastercard kannst du jederzeit mit deinem verzinsten Geld gebührenfrei bezahlen.
Hohe Sicherheit
Dein Geld bei UnitPlus ist als Sondervermögen sicherer als jedes Bankkonto.
Hohe Sicherheit
Dein Geld bei UnitPlus ist als Sondervermögen sicherer als jedes Bankkonto.
Hohe Sicherheit
Dein Geld bei UnitPlus ist als Sondervermögen sicherer als jedes Bankkonto.
High Security
Your money with UnitPlus is more secure as special assets than any bank account.
What positions ZinsPlus as the next generation of overnight money?
Kostenlos bezahlen
Endlich eine Bankkarte, die Zinsen bringt: Mit unserer Mastercard kannst du weltweit kostenlos bezahlen.
Kostenlos bezahlen
Endlich eine Bankkarte, die Zinsen bringt: Mit unserer Mastercard kannst du weltweit kostenlos bezahlen.
Keine fixen Gebühren
Du zahlst keine fixen Gebühren, sondern nur 0,5% auf das angelegte Geld pro Jahr.
Keine fixen Gebühren
Du zahlst keine fixen Gebühren, sondern nur 0,5% auf das angelegte Geld pro Jahr.
Volle Flexibilität
Bei ZinsPlus gibt es keine Laufzeitbeschränkung und keine Minimal- oder Maximaleinlage.
Volle Flexibilität
Bei ZinsPlus gibt es keine Laufzeitbeschränkung und keine Minimal- oder Maximaleinlage.
Sicherheit
Als Sondervermögen ist dein Geld sicherer als auf jedem Bankkonto, auch über 100.000 Euro.
Sicherheit
Als Sondervermögen ist dein Geld sicherer als auf jedem Bankkonto, auch über 100.000 Euro.
Get started in under 10 minutes
01.
Download the app
02.
Open an account
03.
Invest
Download the app now!
Receive the download link via email or scan the QR code.
Get started in under 10 minutes
01.
Download the app
02.
Open an account
03.
Invest
Download the app now!
Receive the download link via email or scan the QR code.
Get started in under 10 minutes
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01.
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Invest
Get started in under 10 minutes
01.
Download the app
02.
Open an account
03.
Invest
How to invest your money with UnitPlus
With UnitPlus, you not only benefit from optimal interest rates with ZinsPlus, but can also invest in our award-winning, broadly diversified multi-asset portfolios and Germany’s first active ETF portfolio. This allows you to maximize your long-term earnings potential in a professionally simple way and build up assets in a targeted manner.
ZinsPlus
Benefit daily from an interest yield exceeding the ECB key interest rate. The most attractive alternative to a savings account with the UnitPlus bank card.
FestPlus
You will receive an attractive return until the end of the term in September 2027. The advantage over traditional fixed deposits: You have the flexibility to access your money at any time.
MultiPlus
MultiPlus is the second active ETF portfolio at UnitPlus. It brings the expertise of Goldman Sachs Asset Management into a portfolio that invests 70% in equities and 30% in bonds.
AktienPlus
Invest in a pure equity portfolio with the support of J.P. Morgan Asset Management. Thanks to active ETFs with a historical return above the market average.
The Mountain Series
Invest wisely, think long-term. Berg Portfolios present a smart selection for sustained growth and global diversification. Awarded as the Best Investment Newcomer by the Institute for Asset Development 2023.
ZinsPlus
Benefit daily from an interest yield exceeding the ECB key interest rate. The most attractive alternative to a savings account with the UnitPlus bank card.
FestPlus
You will receive an attractive return until the end of the term in September 2027. The advantage over traditional fixed deposits: You have the flexibility to access your money at any time.
MultiPlus
MultiPlus is the second active ETF portfolio at UnitPlus. It brings the expertise of Goldman Sachs Asset Management into a portfolio that invests 70% in equities and 30% in bonds.
AktienPlus
Invest in a pure equity portfolio with the support of J.P. Morgan Asset Management. Thanks to active ETFs with a historical return above the market average.
The Mountain Series
Invest wisely, think long-term. Berg Portfolios present a smart selection for sustained growth and global diversification. Awarded as the Best Investment Newcomer by the Institute for Asset Development 2023.
Rendite UnitPlus Portfolios vs. MSCI World in 2025
Rendite UnitPlus Portfolios vs.
MSCI World in 2025
5.9%
5.9%
5.9%
MSCI World
MSCI World
6,1%
6,1%
6,1%
Zugspitze
Zugspitze
6,9%
6,9%
6,9%
Mont Blanc
Mont Blanc
7,7%
7,7%
7,7%
Matterhorn
Matterhorn
8,5%
8,5%
8,5%
Kilimanjaro
Kilimanjaro
8,7%
8,7%
8,7%
AktienPlus
AktienPlus
9,4%
9,4%
9,4%
Mount Everest
Mount Everest
Your capital with UnitPlus is held as a segregated fund, offering greater security than a standard bank account
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore protected.
02
Trusted partners
We collaborate with the fully licensed bank Unicredit, which is supervised by BaFin in Germany.
03
Protection against insolvency
Even in the event of insolvency of UnitPlus or Unicredit, your money is safe, even beyond 100,000 euros.
04
Secure payment transactions
With your Mastercard, you can pay worldwide securely and without any fees.
Your capital with UnitPlus is held as a segregated fund, offering greater security than a standard bank account
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore protected.
02
Trusted partners
We collaborate with the fully licensed bank Unicredit, which is supervised by BaFin in Germany.
03
Protection against insolvency
Even in the event of insolvency of UnitPlus or Unicredit, your money is safe, even beyond 100,000 euros.
04
Secure payment transactions
With your Mastercard, you can pay worldwide securely and without any fees.
Your capital with UnitPlus is held as a segregated fund, offering greater security than a standard bank account
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore protected.
02
Trusted partners
We collaborate with the fully licensed bank Unicredit, which is supervised by BaFin in Germany.
03
Protection against insolvency
Even in the event of insolvency of UnitPlus or Unicredit, your money is safe, even beyond 100,000 euros.
04
Secure payment transactions
With your Mastercard, you can pay worldwide securely and without any fees.
Your capital with UnitPlus is held as a segregated fund, offering greater security than a standard bank account
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore protected.
02
Trusted partners
We collaborate with the fully licensed bank Unicredit, which is supervised by BaFin in Germany.
03
Protection against insolvency
Even in the event of insolvency of UnitPlus or Unicredit, your money is safe, even beyond 100,000 euros.
04
Secure payment transactions
With your Mastercard, you can pay worldwide securely and without any fees.
ZinsPlus
Benefit daily from an interest yield exceeding the ECB key interest rate. The most attractive alternative to a savings account with the UnitPlus bank card.
FestPlus
You will receive an attractive return until the end of the term in September 2027. The advantage over traditional fixed deposits: You have the flexibility to access your money at any time.
MultiPlus
MultiPlus is the second active ETF portfolio at UnitPlus. It brings the expertise of Goldman Sachs Asset Management into a portfolio that invests 70% in equities and 30% in bonds.
AktienPlus
Invest in a pure equity portfolio with the support of J.P. Morgan Asset Management. Thanks to active ETFs with a historical return above the market average.
The Mountain Series
Invest wisely, think long-term. Berg Portfolios present a smart selection for sustained growth and global diversification. Awarded as the Best Investment Newcomer by the Institute for Asset Development 2023.
ZinsPlus
Benefit daily from an interest yield exceeding the ECB key interest rate. The most attractive alternative to a savings account with the UnitPlus bank card.
FestPlus
You will receive an attractive return until the end of the term in September 2027. The advantage over traditional fixed deposits: You have the flexibility to access your money at any time.
MultiPlus
MultiPlus is the second active ETF portfolio at UnitPlus. It brings the expertise of Goldman Sachs Asset Management into a portfolio that invests 70% in equities and 30% in bonds.
AktienPlus
Invest in a pure equity portfolio with the support of J.P. Morgan Asset Management. Thanks to active ETFs with a historical return above the market average.
The Mountain Series
Invest wisely, think long-term. Berg Portfolios present a smart selection for sustained growth and global diversification. Awarded as the Best Investment Newcomer by the Institute for Asset Development 2023.
Download the app now!
You will receive the download link via email.
Finance Product of the Year 2025
disq.de
German Excellence Award 2024
deutscherexzellenzpreis.de
Qualitätssiegel 2026
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0
Tagesgeldvergleich.net
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
Download the app now!
You will receive the download link via email.
Finance Product of the Year 2025
disq.de
German Excellence Award 2024
deutscherexzellenzpreis.de
Qualitätssiegel 2026
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0
Tagesgeldvergleich.net
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
