UnitPlus revolutionizes bank cards and savings accounts in one product with interest rates above ECB level

Despite the European Central Bank’s interest rate turnaround, savings accounts remain among the most popular savings products in Germany. At the same time, card payments are gaining importance, with now over 135 million debit cards in use.

ZinsPlus: The Savings Account of the Future

With ZinsPlus, UnitPlus now combines both worlds: an attractive interest rate of currently 2.30% p.a. and full flexibility for worldwide payments.

The special feature: Returns develop dynamically in line with the European Central Bank’s interest rate policy and are currently 0.30% above the key rate. This is achieved through a security basket that captures additional market movements, enabling an interest booster. The result is a model that innovatively combines savings accounts and bank cards with returns above ECB rates.

“With ZinsPlus, we are creating a modern alternative to traditional savings accounts that also offers more freedom in everyday life,” explains Fabian Mohr, co-founder of UnitPlus. “Our goal is to bring together two of the most popular financial products in Germany – savings accounts and bank cards – in a new quality.”

MultiPlus: A New Chapter for Active ETFs

In addition, UnitPlus today introduces MultiPlus, the first active multi-asset ETF portfolio in Germany. It consists of active ETFs from Goldman Sachs Asset Management, with 70% invested in equities and 30% in bonds. This makes the research expertise of one of the world’s most renowned investment banks accessible to all investors.

Another special feature: around 50% of the portfolio is invested in Europe – a deliberate counterbalance to traditional global ETFs and active funds, which are mostly heavily focused on the U.S. With this, UnitPlus taps into one of the strongest global capital market trends: the growing popularity of active ETFs.

“We are excited to offer MultiPlus, the first multi-asset portfolio of active ETFs in Germany, bringing the benefits of ETFs and active management together in a single product for every retail investor,” says Mohr.

About UnitPlus

UnitPlus, as the world’s first neo asset manager, is building a platform for both short- and long-term investing. With UnitPlus Business, a further step introduces a modern cash management solution for medium-sized companies, giving every SME the same capabilities as Warren Buffett’s Berkshire Hathaway through the world’s first digital capital markets CFO.