ZinsPlus: The new generation of overnight money

ZinsPlus sets new standards in daily savings and payments. You benefit from the most attractive interest rates in any interest rate environment and thus earn more compared to traditional daily savings. While the interest received may vary, there is no risk of loss due to value fluctuations. And the best part? ZinsPlus comes without conditions and funds itself entirely, as the returns are well above all costs. We have summarized what makes ZinsPlus so attractive below:

Above-average interest rates

While checking accounts barely offer any interest and many banks are cautious even with daily or fixed-term savings, ZinsPlus leverages the earning power of the money market. The basis is 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 usually even exceeds the ECB’s key rate and currently stands at 2.30% (as of 27th of October 2025).

Since the €STR is calculated daily by the European Central Bank, ZinsPlus automatically adapts to any interest rate changes—without waiting periods. When the key rate rises, your return rises too. When rates fall, this is passed on immediately.Another advantage: your interest is automatically reinvested. This allows you to conveniently benefit from compound interest without taking any action yourself.

Pay worldwide for free

As with all UnitPlus portfolios, ZinsPlus comes with a free Mastercard Debit card, also integrated with Apple Pay and Google Pay. 

This means you can pay worldwide without fees—while your money in the background continues to earn the most attractive interest for you. This combines maximum payment flexibility with additional returns.

No restrictions, no conditions

Traditional daily and fixed-term savings offers often come with conditions: minimum terms, interest rate guarantees only for short periods, or minimum deposit amounts.

With ZinsPlus, it’s different. You decide the term and amount yourself—completely flexible, without any restrictions.

Double security

With ZinsPlus, you don’t have to worry about market fluctuations. Additionally, there is a double safety net, as the only risk is a so-called counterparty risk. This is considered extremely unlikely, and even in this case, ZinsPlus is backed by a reserve fund that secures the deposits. This reserve fund consists mainly of European stocks. Of course, ZinsPlus in your UnitPlus portfolio also has special asset status, protecting it from insolvency of UnitPlus itself or our partner bank. ZinsPlus is therefore designed not only to let you benefit from interest rate developments in the simplest and most flexible way, but also to do so as safely as possible.

ZinsPlus vs. CashPlus

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

• CashPlus: Protection of the reserve fund mainly through bonds, yield close to the ECB deposit rate.

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• ZinsPlus: Reserve basket of stocks—providing a small but crucial yield boost.

In short: ZinsPlus generally offers you slightly higher returns compared to CashPlus, while both solutions are well-suited as alternatives to daily savings.

Conclusion: Daily savings, reimagined

With ZinsPlus, you earn interest well above that of checking and traditional daily savings accounts, while also being able to pay worldwide for free. In times of changing interest rates, this positions you optimally.

Legal notice

This article does not constitute investment advice. It does not recommend the purchase or sale of financial instruments. Investments in capital markets carry risks and can result in a total loss. Past performance is not a reliable indicator of future results.