What happens to my portfolio when I pay for something?

When payments are made, shares of your portfolio (so called fractional shares) are automatically sold that correspond as closely as possible to the amount of the card payment. It is not necessary to select individual ETFs beforehand, which would cause an imbalance in your portfolio, but we sell all ETFs in your portfolio in the same amount.

Because capital market transactions can only be made on business days and UnitPlus is concerned with the most cost-efficient execution of orders for the benefit of its users, the use of the UnitPlus card results in “pending transactions” (similar to your online banking). In this case, the card payment has already been made, but the corresponding order on the capital market has not yet been executed. The partial sale of the portfolio takes place on weekdays at fixed times. The remaining part of the fractional share is reinvested in your portfolio.