ZinsPlus sets new standards in daily savings accounts.
Secure interest yields that sit 2.58% p.a. above the ECB rate.
Make fee-free global payments directly from your accrued interest while keeping your capital continuously deployed. Benefit from enhanced security as your assets are held as segregated client funds, offering superior protection compared to traditional call money accounts and bank cards.
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Increase your gains with your cash. With ZinsPlus.
x
Higher interest
than the average checking account
x
Higher interest
than the average overnight deposit account
Mio
Bank cards exceed
InterestPlus in the context of interest rates
Above-average interest rates
You participate in the short-term Euro interest rate.
Stability for your investment
There is no risk of value loss due to capital market fluctuations.
Worldwide free payments
Pay as easily and conveniently as you normally would. Only with higher interest rates.
No restrictions
You do not have to adhere to any term or minimum investment amount.
Above-average interest rates
You participate in the short-term Euro interest rate.
Stability for your investment
There is no risk of value loss due to capital market fluctuations.
Worldwide free payments
Pay as easily and conveniently as you normally would. Only with higher interest rates.
High Security
Your money with UnitPlus is more secure as special assets than any bank account.
Above-Average Interest Rates
You participate in the short-term Euro interest rate.
Stability for your investment
There is no risk of value loss due to capital market fluctuations.
Worldwide free payments
Pay as easily and conveniently as you normally would. Only with higher interest rates.
No restrictions
You do not have to adhere to any term or minimum investment amount.
Daily interest
You participate in the short-term Euro interest rate.
Linked to the key interest rate
There is no risk of value loss due to capital market fluctuations.
Worldwide free payments
Pay as easily and conveniently as you normally would. Only with higher interest rates.
No restrictions
You do not have to adhere to any term or minimum investment amount.
You can earn interest from
with a 100.000€ ZinsPlus Portfolio
Our cost structure: 0 € fixed fees | 0,50% of the investment amount per annum
*The net yield (after costs) is calculated based on the current target interest rate as of June 2026.
You can earn interest from
with a 100.000€ ZinsPlus Portfolio
Our cost structure: 0 € fixed fees | 0,50% of the investment amount per annum
*The net yield (after costs) is calculated based on the current target interest rate as of June 2026.
You can earn interest from
with a 100.000€ ZinsPlus Portfolio
Our cost structure: 0 € fixed fees | 0,50% of the investment amount per annum
*The net yield (after costs) is calculated based on the current target interest rate as of June 2026.
A strong team for your savings account 2.0
A strong team for your savings account 2.0
A strong team for your savings account 2.0
A strong team for your savings account 2.0
There is no minimum investment or term limitation with ZinsPlus, and interest is calculated daily, allowing you to enjoy a credit every day. Here's how it works:
Interest income is linked to the ECB’s key interest rate plus an additional yield booster.
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Interest income is linked to the ECB’s key interest rate plus an additional yield booster.
The daily determination of this interest rate is done by the European Central Bank.
The daily determination of this interest rate is done by the European Central Bank.
If the central bank continues to raise interest rates in the future, the interest return on ZinsPlus will also increase.
If the central bank continues to raise interest rates in the future, the interest return on ZinsPlus will also increase.
You can enjoy above-average interest rates and pay flexibly with your money at any time.
You can enjoy above-average interest rates and pay flexibly with your money at any time.
As with all UnitPlus portfolios, your money in ZinsPlus belongs to you at all times and enjoys special rights as special assets in full. In addition to the statutory deposit protection, your money is protected at any time in the event of the insolvency of UnitPlus or our partner bank.
As with all UnitPlus portfolios, your money in ZinsPlus belongs to you at all times and enjoys special rights as special assets in full. In addition to the statutory deposit protection, your money is protected at any time in the event of the insolvency of UnitPlus or our partner bank.
With ZinsPlus, you earn even with every payment
With the UnitPlus bank card, you not only bring the revolution of Savings 2.0 into your wallet, but you also earn an additional 0.10% on every payment. This way, you enhance your interest earnings even while spending.
Get started in under 10 minutes
01.
Download the app
02.
Open an account
03.
Invest
Erhalte den Downloadlink per Email.
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All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
Download the app now!
You will receive the download link via email.
Finance Product of the Year 2025
disq.de
German Excellence Award 2024
deutscherexzellenzpreis.de
Qualitätssiegel 2026
bitmi.de
Daily Deposit Comparison
4.5 out of 5.0
Tagesgeldvergleich.net
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. We do not provide tax advice and investors are encouraged to consult with their personal tax advisors. All images shown are for illustrative purposes only, and may not resemble an actual product. We rely on information from various sources believed to be reliable, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security.
© UnitPlus InnoInvest GmbH 2026
Developed and hosted in Germany
