UnitPlus
Frequently asked questions and answers
In our FAQ you will find answers to the most frequently asked questions about UnitPlus and investing in general.
First steps
Depot
Security
Investment
Sustainability
UnitPlus Portfolios
Fees
UnitPlus Card
Deposits and withdrawals
Unit Program
ETF-Bonus
Taxes
FlexPlus
CashPlus
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?
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 work in a banking institution – Do I need a duplicate and is it possible to set up a duplicate mailing?
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?
In what assets do I invest with UnitPlus?
How much return can I expect?
How does UnitPlus calculate my return?
Do I also receive dividends with UnitPlus?
How does the personalised savings plan work at UnitPlus?
Can I cancel my savings plan at any time?
What ETF savings plans are available?
Which exchange does UnitPlus trade on?
Why do I have to connect my bank account for setting up the personalised savings plan?
How can I adjust my savings plans in the app?
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?
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 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?
How will the costs be invoiced?
What is the UnitPlus card? And what advantages does it have?
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?
What is the minimum and maximum amount I can invest?
How long does it take to get my money on the app?
Can I also set up direct debits via the investment account app?
Can I cancel deposits?
What happens to my money when I terminate my UnitPlus account?
How can I withdraw my investments?
The deposit by bank transfer is made to a Belgian IBAN. Do I have to comply with the AWV reporting obligation at the Bundesbank if I make deposits above EUR 12,500?
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?
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?
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?
Why do I see a very slightly negative interest rate on some days?
Why am I shown a yield of up to -0.01% on the first day after
Does CashPlus has an expiration period?
Can I pay worldwide with CashPlus?
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