ZinsPlus: The new generation of overnight money

ZinsPlus sets new standards in the realm of savings accounts. You benefit from the most attractive interest rates in any interest environment, thus achieving more yield compared to traditional savings accounts. Although the interest received may vary, there is no risk of loss due to value fluctuations. And the best part? ZinsPlus operates without restrictions and funds itself entirely, as the returns exceed all costs significantly. We have summarized what makes ZinsPlus so attractive below. 

Above-Average Interest Rate

While checking accounts scarcely offer interest anymore and many banks are also cautious with savings or fixed deposits, ZinsPlus leverages the earning power of the money market. It is based on the short-term Euro interest rate (€STR), supplemented by an additional yield component of currently 0.20% to 0.40% per year.

The result: An interest rate that is often even above the ECB's key interest rate and currently amounts to 2.33% (as of March 2026).

Since the €STR is calculated daily by the European Central Bank, ZinsPlus automatically adjusts to any interest rate development – without any waiting times. If the key interest rate rises, so does your return. If the rates fall, this is immediately passed on as well. The additional yield component also adjusts to market movements and can turn out higher or lower in the long term. Another advantage: Your interest is automatically reinvested, allowing you to conveniently benefit from the compound interest effect without needing to take any action yourself.

Pay Worldwide for Free

As with all UnitPlus portfolios, ZinsPlus provides you with a free Mastercard Debit Card, which is also integrated into Apple Pay and Google Pay.

This means: You can pay worldwide without fees – while your money continues to earn the most attractive interest rates in the background rather than lying idle. This way, you combine maximum payment flexibility with additional earnings. This makes the UnitPlus bank card the highest-interest bank card in all of Europe.

No Restrictions, No Conditions

Traditional savings and fixed deposit offers are often tied to conditions: minimum terms, interest guarantees only for short periods, or minimum investment amounts.

With ZinsPlus, it’s different. You decide on the term and amount yourself – always flexible, without limitations.

Double Security

You don't have to worry about fluctuations in the capital market with ZinsPlus. Additionally, a double safety net is in place, as the only risk is what's known as counterparty risk. This is considered extremely unlikely, and even in this case, ZinsPlus is backed by a safety fund that secures the deposits. This safety fund primarily consists of European stocks. Of course, ZinsPlus also enjoys special fund status in your UnitPlus portfolio and is thus protected against bankruptcy of UnitPlus itself or our partner bank. We developed ZinsPlus 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.

ZinsPlus vs. CashPlus

Both solutions provide an attractive alternative to traditional savings accounts. The difference lies in the details:

• CashPlus: Securing the safety fund primarily through bonds, return close to the ECB deposit rate.

• ZinsPlus: Security basket made of stocks – and thus a small but decisive return booster.

In short: ZinsPlus generally offers you a slightly higher interest return compared to CashPlus, while both solutions are very well suited as an alternative to savings accounts.

Conclusion: Rethinking Savings Accounts

With ZinsPlus, you achieve interest rates that are significantly above those of checking and traditional savings accounts, and you can simultaneously pay worldwide for free. In times of changing interest rates, you are optimally positioned.

Legal Notice:

This article does not constitute investment advice. It neither recommends the purchase nor the sale of financial instruments. Capital market investments are associated with risks and can lead to total loss. Historical earnings are not a reliable indicator of future developments.