Make more plus with your cash. With the UnitPlus Mastercard and ZinsPlus.
Increase your earnings with your cash.
With the UnitPlus Mastercard and ZinsPlus.
Always optimally invested
You participate permanently in the short-term Euro interest rate plus an additional income component to achieve interest rates above the EZB level.
Daily interest
You will permanently participate in the short-term Euro interest rate plus an additional yield component to generate interest above the ECB rate.
Always Optimally Yielded
You will permanently participate in the short-term Euro interest rate plus an additional yield component to generate interest above the ECB rate.
Always optimally invested
You participate permanently in the short-term Euro interest rate plus an additional income component to achieve interest rates above the EZB level.
Simple contactless payment
Pay as easily and conveniently as you normally would. Only with interest.
Linked to the key interest rate
Pay as easily and conveniently as you normally would, only with interest.
Easily make contactless payments
Pay as easily and conveniently as you normally would, only with interest.
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.
Cashback on every payment
Secure 0.1% cashback on every payment with the UnitPlus Mastercard, regardless of the amount.
Cashback on every payment
Secure 0.1% cashback on every payment with the UnitPlus Mastercard, regardless of the amount.
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.
No foreign currency fees
Make payments worldwide without fees, regardless of the currency.
No foreign currency fees
Make payments worldwide without fees, regardless of the currency.
No foreign currency fees
Pay free of charge worldwide, regardless of the currency.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
You can invest in just one portfolio or several at the same time. You can change your choice flexibly at any time and withdraw all amounts.
You can invest in just one portfolio or several at the same time. You can change your choice flexibly at any time and withdraw all amounts.
You can invest in just one portfolio or several at the same time. You can change your choice flexibly at any time and withdraw all amounts.
You can invest in just one portfolio or several at the same time. You can change your choice flexibly at any time and withdraw all amounts.
You decide which portfolio to pay with
Easily designate within the app which portfolio you would like to use for transactions.
Easily designate within the app which portfolio you would like to use for transactions.
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Easily designate within the app which portfolio you would like to use for transactions.
Easily designate within the app which portfolio you would like to use for transactions.
This way, you can independently decide which funds you want to access flexibly.
This way, you can independently decide which funds you want to access flexibly.
This way, you can independently decide which funds you want to access flexibly.
This way, you can independently decide which funds you want to access flexibly.
You can change this setting at any time without any hassle.
You can change this setting at any time without any hassle.
You can change this setting at any time without any hassle.
You can change this setting at any time without any hassle.
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
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Get started in under 10 minutes
01.
Download the app
02.
Open an Account
03.
Invest
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.
A strong team for your bank card
A strong team for your bank card
A strong team for your bank card
A strong team for your bank card
How secure is the UnitPlus bank card?
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore untouchable.
02
Trusted Partners
We collaborate with the fully licensed European bank UniCredit, which is supervised by BaFin in Germany.
03
Protection Against Insolvency
Your money remains secure even in the event of an insolvency by UnitPlus or UniCredit, including amounts exceeding 100,000€.
How secure is the UnitPlus bank card?
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore untouchable.
02
Trusted Partners
We collaborate with the fully licensed European bank UniCredit, which is supervised by BaFin in Germany.
03
Protection Against Insolvency
Your money remains secure even in the event of an insolvency by UnitPlus or UniCredit, including amounts exceeding 100,000€.
How secure is the UnitPlus bank card?
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore untouchable.
02
Trusted Partners
We collaborate with the fully licensed European bank UniCredit, which is supervised by BaFin in Germany.
03
Protection Against Insolvency
Your money remains secure even in the event of an insolvency by UnitPlus or UniCredit, including amounts exceeding 100,000€.
How secure is the UnitPlus bank card?
01
Your money belongs to you
Unlike traditional bank accounts, your money at UnitPlus is considered special assets and is therefore untouchable.
02
Trusted Partners
We collaborate with the fully licensed European bank UniCredit, which is supervised by BaFin in Germany.
03
Protection Against Insolvency
Your money remains secure even in the event of an insolvency by UnitPlus or UniCredit, including amounts exceeding 100,000€.
Do you still have questions? We have the answers.
Do you still have questions? We have the answers.
Do you still have questions? We have the answers.
Do you still have questions? We have the answers.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
New and Popular
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.
Popular
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.
Popular
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 offer an intelligent selection for sustained growth and global diversification. Awarded as Best Investment Newcomer by the Institute for Asset Development 2023.
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.
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 2025
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0Tagesgeldvergleich.net
TrustScore
4.5
556
Evaluations
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 2025
Developed and hosted in Germany
Finance Product of the Year 2025
disq.de
German Excellence Award 2024
deutscherexzellenzpreis.de
Qualitätssiegel 2025
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0Tagesgeldvergleich.net
TrustScore
4.5
556
Evaluations
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 2025
Developed and hosted in Germany
Finance Product of the Year 2025
disq.de
German Excellence Award 2024
deutscherexzellenzpreis.de
Qualitätssiegel 2025
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0Tagesgeldvergleich.net
TrustScore
4.5
556
Evaluations
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 2025
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 2025
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0Tagesgeldvergleich.net
TrustScore
4.5
556
Evaluations
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 2025
Developed and hosted in Germany