The smartest interest solution in Europe: CashPlus

CashPlus combines the best of both worlds: attractive interest rates and payment flexibility. You benefit from interest rate developments in an unprecedented way and receive interest rates significantly higher than those of checking accounts and most savings accounts. Although the interest received may vary, there is no risk of loss due to fluctuations in value. And the best part? CashPlus comes with no conditions and finances itself because the returns are significantly higher than all costs. What makes CashPlus so attractive, we have summarized below: 

Above-Average Interest Rates

While checking accounts offer little to no interest and many banks struggle to provide attractive rates on savings and fixed-term deposit accounts, CashPlus utilizes the money market and tracks the performance of a deposit through an ETF that is yielding the short-term Euro interest rate (€STR) plus 0.085%. The European Central Bank calculates this rate daily, currently at 1.98% per year (as of February 2026). This interest rate holds significant importance for banks in 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 one-day interbank interest rate for the Eurozone. 

Another special feature: Because the interest rate is recalculated daily, CashPlus maintains constant relevance. This implies that with continuing rate increases, CashPlus generates higher returns for you effortlessly. 

By the way, with CashPlus the accruing interest is automatically reinvested, allowing you to benefit from compound interest, where your earned interest can also generate interest again. This way, you can conveniently and easily increase your interest earnings without having to be active. 

Globally Pay for Free

As with other UnitPlus portfolios, with CashPlus, paying globally is conveniently possible with the associated Mastercard Debit card and Apple Pay and Google Pay. Meanwhile, your money hasn't been lying unused in accounts but has generated attractive interest for you in the CashPlus portfolio. Thus, your payments with CashPlus occur not only without risk of loss but can also earn interest gains in the meantime. CashPlus therefore outperforms over 150 million bank cards in Germany in terms of interest. 

Your UnitPlus Portfolio Finances Itself

The current interest rate of CashPlus stands at 1.98%, which, after deducting all ETF and UnitPlus costs of 0.60%, means that not only does CashPlus finance itself, but you also earn substantially more profit after all costs than with interest on checking accounts and most savings accounts.  Additionally, further interest rate changes by the European Central Bank are passed on to you on a 1:1 basis.

No Restrictions or Conditions

Savings and fixed-term deposit offers almost always come with certain restrictions, whether a minimum term or an interest guarantee for a certain, often short, period. Sometimes specific amounts must also be invested to take advantage of the offer. With CashPlus, there are no such conditions. Instead, money can be deposited and withdrawn flexibly. You alone determine the investment duration and minimum amount. 

Security Through a Double Safety Net

With CashPlus, you don’t have to worry about capital market fluctuations. Additionally, there is a double safety net, as the only risk lies in a so-called counterparty risk, which would only occur in the event of a bankruptcy of Germany's largest bank. This is considered extremely unlikely, and even in this case, CashPlus has a safety asset securing the deposits. Naturally, within your UnitPlus portfolio, CashPlus enjoys the status of special assets, fully protected against insolvency of UnitPlus itself or our partner bank. We have thus 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 safe as possible.

In summary, with CashPlus you can achieve interest rates significantly higher than those of checking and almost all savings accounts and pay free of charge at any time. Simultaneously, there are no capital market fluctuations, ensuring you are always in the interest surplus when making payments, effectively capitalizing on the interest rate turnaround. 

Legally Required Safety Notice

This article is not intended as an investment recommendation. Nor is it an encouragement to buy or sell financial instruments. Investing in the capital market involves risks that can lead to a total loss. Historical performance is not a reliable indicator of future performance.