The smartest interest solution in Europe: CashPlus

CashPlus combines the best of both worlds: attractive interest rates and payment flexibility. You benefit in an unprecedented way from interest rate developments, receiving interest that is significantly higher than that of current accounts and most savings accounts. Although the interest received may vary, there is no risk of loss due to market fluctuations. And the best part? CashPlus operates without any conditions and sustains itself because the returns significantly exceed all costs. What makes CashPlus so appealing has been summarized below: 

Above-average interest rates

While current accounts offer hardly any interest and many banks struggle with offering attractive rates on savings and fixed-term accounts, CashPlus leverages the money market and, through an ETF, mirrors the performance of a Euro Short-Term Rate (€STR) deposit plus 0.085%. The European Central Bank calculates the rate daily, which currently stands at 2.48% per year (as of March 12, 2025). This rate is crucial for banks within the European Monetary Union, and the German Bundesbank publishes it daily on its website. The abbreviation €STR stands for “Euro Short-Term Rate” and is the overnight interbank interest rate for the eurozone. 

Another special feature: Because the interest rate is recalculated daily, CashPlus always remains up-to-date. This implies that as interest rates continue to rise, CashPlus generates higher returns for you without any effort on your part. 

Additionally, with CashPlus, the accruing interest is automatically reinvested, allowing you to enjoy the benefits of compound interest, where the earned interest can, in turn, earn interest. This way, you can easily and conveniently enhance your interest returns without having to take any action. 

Free payments worldwide

As with other UnitPlus portfolios, CashPlus offers free worldwide payments conveniently through the accompanying Mastercard Debit card as well as Apple Pay and Google Pay. In the meantime, your money has not been idly sitting in accounts but has been earning attractive interest for you in the CashPlus portfolio. Thus, your payments with CashPlus not only occur without risk of loss, but you can also earn interest gains in the interim. CashPlus surpasses over 150 million bank cards in Germany when it comes to interest rates. 

Your UnitPlus portfolio sustains itself

CashPlus currently offers interest rates of 2.48%, which, after all ETF and UnitPlus costs totaling 0.60%, means that not only does CashPlus sustain itself, but you also earn significantly more returns after all costs than the interest you receive on current accounts and most savings accounts. Additionally, further interest rate steps by the European Central Bank are passed on to you one-to-one.

No restrictions or conditions

Savings and fixed-term offers almost always come with certain restrictions. Whether it’s the minimum term or guaranteed interest for a specific, usually short period. Sometimes, specific amounts must be deposited to avail of the offer. With CashPlus, there are no such conditions. Instead, money can be deposited and withdrawn flexibly. You alone determine the term and minimum amount of the investment. 

Double safety net

You do not have to worry about fluctuations in the capital market with CashPlus. Additionally, a double safety net exists, as the only risk involves a so-called counterparty risk. This would occur in the event of insolvency of Germany's largest bank. This is considered extremely unlikely, and even in this case, CashPlus is backed by additional security assets that safeguard the deposits. Of course, CashPlus in your UnitPlus portfolio enjoys the status of special assets and is thus fully protected in the event of an insolvency of UnitPlus or our partner bank. We have developed CashPlus not only to allow you to benefit from interest rate developments in the simplest and most flexible way, but also to make it as secure as possible.

To summarize, with CashPlus, you can earn interest that is significantly higher than that of current and almost all savings accounts and make payments at any time without charge. At the same time, there are no capital market fluctuations, ensuring that you always benefit from interest gains during transactions and take full advantage of interest rate changes. 

Legally mandated safety notice

This article is not intended as investment advice. Neither is it an encouragement to buy or sell financial instruments. Investing in the capital market involves risks that can lead to total loss. A historical return does not represent a reliable indicator of future performance.

Appendix:

The following graph illustrates the average Euro Short-Term Rate (€STR). CashPlus tracks this with an additional 8.5 basis points, which brings the total interest rate to the current 2.48%.  

Since the European Central Bank has ceased imposing negative interest rates and interest rates within the European Monetary Union have been significantly raised over recent months, the overnight interbank rate has increased with each rate hike. These increases are visible through the stepped increments of the blue line in the diagram. For example, should the ECB make another rate adjustment upwards by 0.25% in the future, the interest rate for CashPlus would also rise by 0.25%.