Frequently asked questions and answers
Can I access my money at any time?
How long does a payout take?
What do the Mountain portfolios invest in?
What are the differences between the portfolios?
Can I invest in several mountain portfolios at the same time?
Why should I invest in a mountain portfolio?
What is CashPlus?
How much return can I expect with CashPlus?
How can CashPlus pay such high interest rates?
What makes CashPlus so special?
What does CashPlus cost?
Don’t I have to pay at least the bid-ask spread?
Can I lose money?
What does counterparty risk mean?
Is the interest reinvested or paid out?
When does the calculation of interest take place?
Can I cancel CashPlus at any time?
Can I also switch from CashPlus to another UnitPlus portfolio?
What happens to CashPlus if your banking parter or UnitPlus goes bankrupt?
Where can I find the daily interest rate of CashPlus?
Can I create a savings plan for CashPlus?
Can I pay worldwide with CashPlus?
How can I change my personal information or my account?
Does UnitPlus replace my checking account?
Is it possible to transfer a securities account to UnitPlus?
How can I cancel my UnitPlus account?
Is it possible to open a joint UnitPlus account?
Is a Schufa entry generated when I register with UnitPlus?
I have a new mobile phone – what do I have to do?
I work in a banking institution – Do I need a duplicate and is it possible to set up a duplicate mailing?
What are the requirements to open a UnitPlus Depot?
What is the minimum amount I can invest with UnitPlus?
Can I also open a securities account outside Germany?
How does the identification work?
Where can I download the UnitPlus app?
Which operating systems are supported?
How long does it take to open a securities account?
Why do I have to provide information about my experience on the capital market?
What nationalities can we verify when opening an account?
What is FestPlus?
Why is FestPlus a good fit in combination with CashPlus?
What exactly is the difference to a traditional fixed-term deposit?
Does it make a difference when I invest in FestPlus?
How much return can I expect with FestPlus?
How long is the term of FestPlus?
What happens after the end of the term in September 2027?
How is the interest rate determined?
How often and when is interest (coupons) credited?
What happens if I withdraw my money early?
How secure is FestPlus?
Can the value of FestPlus fluctuate?
Can I lose money?
What exactly is FlexPlus?
How does the return on the FlexPlus portfolio come about?
Is FlexPlus a real overnight deposit account?
How much return can I expect with FlexPlus?
What do I invest in with FlexPlus?
What are the advantages of FlexPlus?
Can I lose money with FlexPlus?
Why do I see a very slightly negative interest rate on some days?
What does FlexPlus cost?
Can I pay with FlexPlus?
Do I get paid dividends?
Can I change my investment strategy?
Can I create a savings plan for FlexPlus?
Can I cancel FlexPlus at any time?
How much return can I expect?
How does UnitPlus calculate my return?
Do I also receive dividends with UnitPlus?
Is there a white paper for the investment process?
Which exchange does UnitPlus trade on?
How sustainable are the individual EFTs in the portfolio?
What is the difference between ESG and SRI?
Which portfolio fits me best?
Can I also invest in more than one portfolios?
Can I change my UnitPlus portfolio after the onboarding is completed?
What exactly are ETFs?
Which ETFs make up the portfolios?
What does rebalancing mean at UnitPlus?
Why do the portfolios consist only of ETFs?
How much will UnitPlus cost me?
What does the UnitPlus card cost me?
Are there any additional costs when using my UnitPlus card?
Do I have to pay foreign exchange costs when using my UnitPlus card in non-European countries?
Are there any fees for the composition of the portfolios?
What do I pay per cash withdrawal with my UnitPlus card?
What is the UnitPlus card? And what advantages does it have?
I invest in several portfolio strategies at the same time, with which strategy do I pay?
Can I also pay with Apple Pay or Google Pay?
What should I do if I have lost or forgotten my UnitPlus card PIN?
What should I do if my UnitPlus card is stolen or lost?
Where can I pay with the UnitPlus card?
Where does the money on my UnitPlus card come from?
Where can I withdraw cash with the UnitPlus card?
What happens if I want to return an item purchased with my UnitPlus card?
Can I pay with my entire investment at once?
How do I use the card the first time?
How sustainable is the UnitPlus card?
What happens to my portfolio when I pay for something?
What happens to the payment that I make outside exchange hours or on weekends?
How does the personalised savings plan work at UnitPlus?
Can I cancel my savings plan at any time?
What ETF savings plans are available?
Why do I have to connect my bank account for setting up the personalised savings plan?
What is Open Banking?
Why does UnitPlus use Open Banking for savings plans?
How can I adjust my savings plans in the app?
Where is my money stored?
Whats the name of the partner bank you are working with?
How does UnitPlus handle my personal data? // How secure is my data?
How safe is my securities account?
My mobile phone was stolen. What do I have to do?
What happens to my money if UnitPlus goes bankrupt?
What is the legal structure of UnitPlus?
How are taxes handled at UnitPlus?
Where can I find my tax ID?
Do I have to pay taxes on my investment?
What is the exemption amount per year?
How much are the capital gains taxes?
How does the taxation of the advance lump sum work?
Does it make sense to use the UnitPlus card for tax optimisation?
What exactly is the Unit Program where I can collect Units?
How can I collect more units?
How can I redeem my Units?
Does UnitPlus have a cashback program?
How can I redeem my cashback?