UnitPlus
The new era
of paying
Pay worldwide free of charge
3.73% interest per year with CashPlus
0.1% cashback on every payment
As a special asset more secure than any bank account
Make more plus with your cash. With the UnitPlus Mastercard and CashPlus.
Always the best interest rate
You participate in the short-term Euro interest rate. This is currently 3.73%.
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
Start now
How to invest your money with UnitPlus
With UnitPlus, you not only benefit from rising interest rates thanks to CashPlus, but can also invest in our diversified portfolios put together by financial experts. Those portfolios earned the title Investment Newcomer of the Year in Germany 2023 by Capital and Institut für Vermögensaufbau. In this way, you increase your earnings potential in the long term and build up wealth.
CashPlus
Profit daily from rising interest rates with full flexibility. The better alternative to overnight money.
Discover CashPlus
Watch the video
FlexPlus
Invest exclusively in one of the safest havens in the world: European government bonds.
Discover FlexPlus
Watch the video
Mountain-series
Award-winning and professional portfolios for long term wealth creation.
Discover the Berg-Serie
Watch the video
You can change your portfolio at any time for free in the app.
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:
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.
You still have questions? We have the answers:
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 pay with my entire investment at once?
As with any bank card, the UnitPlus card also has a limit.
With UnitPlus, this is €2,000, or 70% of the portfolio
value, but can be temporarily increased up to 5,000€ if the
portfolio is large enough. For example, if 1,000€ is
invested, 700€ are available for payments. If 5.000€ are
invested, the available amount is 2.000€.
The threshold of 70% for portfolio holdings below 2,600€ is
for your protection and to ensure that you do not spend more
with the bank card than you have as an equivalent in your
portfolio at the time of the partial sale. The possibility
of a complete liquidation of the portfolio via the app
exists at any time. In your app you can see at any time how
high your current withdrawal limit is.
Find out what our investors like about us:
Christian Rebernik
Serial entrepreneur
Serial entrepreneur
Money in the checking account loses value. UnitPlus changes that. Money is invested but available with the debit card. I invested because there is a great team behind it and I use UnitPlus myself.
Brigitte Zypries
Former federal minister
Former federal minister
From the very beginning, I was convinced that UnitPlus gives everyone in Germany the opportunity to invest with a focus on returns and still remain flexible.
Martin Zielke
Former CEO Commerzbank AG
Former CEO Commerzbank AG
As a former banker, I know how valuable savings deposits can be for banks. However, the banks only pass on the resulting returns to savers to a very limited extent. UnitPlus is turning this way of thinking around and wants to encourage more savers to invest smartly and flexibly with its globally innovative product.