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The new era of payments.
Pay worldwide free of charge and secure interest rates above EZB-level with ZinsPlus. Cashback on every payment. Protected as a special asset.
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Make more plus with your cash. With the UnitPlus Mastercard and ZinsPlus.
Always optimally invested
You participate permanently in the short-term Euro interest rate plus an additional income component to achieve interest rates above the EZB level.
Simple contactless payment
Pay as easily and conveniently as you normally would. Only with interest.
Cashback on every payment
Get 0.1% cashback on every payment you make with your UnitPlus Mastercard.
No foreign currency fees
Pay free of charge worldwide, regardless of the currency.
The best way to pay: Worldwide free of charge and with the best interest rate on your UnitPlus Mastercard.
Download the UnitPlus app now
How to invest your money with UnitPlus
With UnitPlus, you not only benefit from optimal interest rates with ZinsPlus, but can also invest in our award-winning, broadly diversified multi-asset portfolios and Germany’s first active ETF portfolio. This allows you to maximize your long-term earnings potential in a professionally simple way and build up assets in a targeted manner.
ZinsPlus
Profit from daily rising interest rates with full flexibility. The better alternative to a savings account.
AktienPlus
Invest in a pure equity portfolio with the support of J.P. Morgan Asset Management. Benefit from active ETFs with a historical return above the market average.
MultiPlus
MultiPlus is the second active ETF portfolio at UnitPlus. It brings the expertise of Goldman Sachs Asset Management into a portfolio that invests 70% in equities and 30% in bonds.
Mountain-Series
Mountain-Series offers an intelligent selection for long-term growth and worldwide diversification.
You decide with which portfolio you pay
Simply set in the app which portfolio you want to pay with
Thus you decide yourself on which money you want to access flexibly
You can change this setting at any time without any problems
Start paying smartly in
under 10 minutes
Start paying smartly in under 10 minutes
1.
Download the app
2.
Open an account
3.
Start investing easily
Your money at UnitPlus is safer than in any bank account.
Your money belongs to you:
Unlike traditional bank accounts, your money at UnitPlus
is considered special assets and is therefore protected.
Trusted partners:
We collaborate with the fully licensed European Aion
Bank, supervised by BaFin in Germany.
Secure payment transactions:
With your Mastercard, you can pay worldwide securely and
without any fees.
Protection against insolvency:
Even in the event of insolvency of UnitPlus or Aion
Bank, your money is safe, even beyond 100,000 euros.
Your money belongs to you:
Trusted partners:
Secure payment transactions:
Protection against insolvency:
Where can I pay with the UnitPlus card?
Conveniently pay with your UnitPlus card anywhere Mastercard is accepted. That’s at over 70 million points of acceptance worldwide.
Where does the money on my UnitPlus card come from?
With your new UnitPlus card you can easily and conveniently pay directly with your UnitPlus portfolio. You decide which portfolio you want to invest in during the onboarding process. So your money is invested in a professional portfolio until you want to pay with it.
Can I also pay with Apple Pay or Google Pay?
You can also store your UnitPlus debit card with Apple or
Google Pay for even easier and faster payments in the
future. Here’s how it works to connect with Apple Pay:
For your iPhone:
1. open your settings
2. click on ‘Wallet & Apple Pay
3. tap on ‘add card’ and select ‘debit card
4. scroll all the way down in the bank search, click ‘Add
other card’ and follow the instructions
For your Apple Watch:
1. connect your iPhone to your Apple Watch.
2. open the Watch and click on ‘Wallet
3. click on ‘Add card’ and follow the instructions
Find all relevant card details in your UnitPlus app.