The investment app for all smart savers.

Simply invest with UnitPlus and pay with your portfolio flexibly whenever and wherever you like to. Sustainable and income-oriented investing has never been easier.

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Invest as easily and flexibly as you save

With UnitPlus you invest in over 800 companies worldwide. This allows you to realize the earnings potential anywhere in the world, while spreading the investment risk over hundreds of companies at the same time. We have deliberately excluded companies in controversial industries such as tobacco, gambling and weapons – and instead placed greater emphasis on sustainability criteria. So you can sit back, relax and invest for your small and big goals in life.

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Get to know our future calculator and learn more about the UnitPlus portfolios and their potential performance.
Investing in ETFs involves risks. The value of the portfolios can rise or fall, which is why capital markets always carry a risk for the money invested. Past performance is no guarantee of future performance.
So we asked ourselves:
Why is there no bank card on which the money is smartly invested – until the point in time when we want to spend it? The idea for UnitPlus was born.
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Assumptions:
8.5% yearly average return of the Word ESG Leader index over the last 10 years minus the 1.2% inflation rate
Real inflation of 1.2% p.a.

We`ve made things simple for you:

Simple deposits
You can not only invest one-time amounts and set up regular savings plans, but also invest amounts specifically tailored to you thanks to our personalized savings plan. Our smart algorithm suggests the ideal investment amount after deducting all spendings at the end of the month, so that you invest the money you don’t need for your everyday life.
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Invest individually
The smart UnitPlus algorithm suggests an amount that will likely be left over in your bank account at the end of the month and can therefore be transferred to your UnitPlus investment account. You can decide with just a click whether to follow the suggestion or invest a different amount.
Pay conveniently
Your UnitPlus card lets you make payments worldwide offline and online free of charge. What’s new: The coffee you bought this morning? Your weekend shopping expenses? Paid with your portfolio. And don’t worry about taxes. We deduct them for you automatically, leaving you with nothing to worry about.
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Invest every time you pay
Get ETF fractions with every payment you make with UnitPlus ETF-back. It’s like cashback, only better.
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Become a smart saver in just a few minutes:
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Download
the app
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Enter
personal information
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Select
your portfolio
step-four
Confirm
your identity
Use UnitPlus 3 months for free* plus get 10€ starting credit.
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*Applies to the monthly usage fee and the investment fee, not to ATM withdrawals.