UnitPlus Business
Everything you expect from a business savings account — and more.
Annual interest return of 3.08%*
Fully protected as special assets even above the deposit protection level
Always have full access to your capital
*Annualized return, as of May 2025, before costs of 0.25%-0.4%
Everything that company liquidity needs.
Everything that company liquidity needs.
Greater profitability
UnitPlus Business generates an annual interest yield of 3.08% and adapts optimally to any interest rate environment. Credited every working day to make the most of the compound interest effect.
Greater flexibility
By investing in the money market, the company’s liquidity is optimally managed through every interest rate environment and thus increases the company’s profitability in the best possible way.
Greater security
Your money with UnitPlus Business is also fully protected against insolvency as special assets above and beyond the deposit guarantee, which makes the solution particularly attractive for large investment amounts.
With UnitPlus Business, the company’s capital works towards operational success in a return-oriented manner.
Total balance
after 2 years
Return after costs
in 2 years
*as of May 2025, before costs of 0.25%-0.4%
Measurable business success that pays off:
40k €
Average additional annual income for companies
120%
Higher profitability than the average call deposit account*
100%
Share of liquidity protected as special assets
*Difference between the interest yield of UnitPlus Business after costs in price level 3 and the UnitPlus call money index. As of May 2025
No hassle with accounting:
All necessary documents for accounting are automatically generated, digital, and free of charge.
Medium-sized companies that trust us:
Patrick Henning
Geschäftsführer
neXenio GmbH
We were looking for the most profitable and secure solution for our company’s liquidity and found it in UnitPlus Business. As an IT service provider, we also particularly like how user-friendly the web interface is.
Our goal is to bring great data security and distributed collaboration solutions to the business world.
Timo Hilgenhaus
Geschäftsführer
Hilgenhaus Grünbau GmbH
Unitplus Business opens up new opportunities for us to manage our company’s liquidity in order to provide for periods of low earnings and build up reserves. The product impresses with its simplicity of use and absolutely fair and good conditions.
Hilgenhaus Grünbau GmbH is a medium-sized gardening and landscaping company with around 25 employees. We plan and design private, commercial and public open spaces.
Carsten Lympius
Inhaber und Geschäftsführer
hano-Holding GmbH
Flexible option to invest liquidity of less than € 1 million available at short notice at manageable fees on a daily basis in conjunction with a very low probability of default.
hano-Küchen GmbH & Co. KG produces fitted kitchens and markets most of them directly to the housing industry.
Open Account
It only takes 30 minutes to log in and register.
All UnitPlus Business functionalities are then available in an
easy-to-use web application.
We will check the application on the same day.
If something is missing or we have any queries, we will get in touch. The company depot is then usually ready for use within 24 hours and helps to increase the operational success of the company from day 1.
Provide all necessary company information.
You can view all required details here. This should take no longer than 30 minutes in total.
We will review your application on the same day.
If anything is missing or we have further questions, we will contact you.
UnitPlus Business is fully usable within a short time.
Simple deposits and withdrawals via the web interface and interest returns from day one.
Security at the highest level.
Company liquidity is used for the growth of business
activities.
However, managing liquidity to optimize the return on capital
can only be beneficial for the company if it is secure.
UnitPlus Business was developed under this premise:
Safe custody
All deposits are protected in the corporate custody account as special assets against the insolvency of our partners or UnitPlus.
Broad diversification
Compared to a bank account, where bank deposits are unsecured liabilities on a bank’s balance sheet, with UnitPlus Business the investment is spread globally across the money market. This provides significantly more effective protection against possible bank insolvencies and cluster risks.
Renowned partners
With Goldman Sachs, we are working with one of the world’s most renowned and leading partners in the money market sector.
State-of-the-art technology
UnitPlus Business has been developed according to the latest technical standards and is characterised by its simple, secure use.
Safe custody
All deposits are protected in the corporate custody account as special assets against the insolvency of our partners or UnitPlus.
Broad diversification
Compared to a bank account, where bank deposits are unsecured liabilities on a bank’s balance sheet, with UnitPlus Business the investment is spread globally across the money market. This provides significantly more effective protection against possible bank insolvencies and cluster risks.
Renowned partners
With Goldman Sachs, we are working with one of the world’s most renowned and leading partners in the money market sector.
State-of-the-art technology
UnitPlus Business has been developed according to the latest technical standards and is characterised by its simple, secure use.
For small and medium-sized enterprises.
For hidden champions.
For
simply everyone who wants to invest company capital smartly.
FAQs
How can UnitPlus Business optimally invest corporate liquidity through all interest rate environments?
Like the world’s most successful corporations, investments are made in the institutional money market – close to the ECB deposit rate, delivering optimal returns in any interest rate environment, with maximum flexibility and full security as segregated assets.
How is the company’s liquidity invested?
UnitPlus Business invests in a money market fund actively managed by Goldman Sachs Asset Management, the Goldman Sachs Euro Liquid Reserves Fund. This fund has a volume of over €20 billion and is therefore ideally suited for CashPlus SME due to its size and long existence. It should be mentioned here that the money market fund has come through all crises without any restrictions since its launch on February 1, 1999. You can find more information on the money market fund itself here.
What are the requirements for opening a custody account for my company?
Eligible for UnitPlus Business are the legal forms GmbH, GmbH
& Co. KG, UG, KG, AG and GbR that are resident in Germany for
tax purposes and do not conduct business in high-risk
countries or are financial services institutions within the
meaning of the German Banking Act.
The prerequisite is that the company has no more than 3
beneficial owners (voting/controlling rights >25%) in the
company. Ideally, the company’s legal representative should
also register. Further legal representatives can be added
later in the process.
The minimum investment is €1,000.
What is a Legal Entity Identifier (LEI number) and why does my company need one?
The Legal Entity Identifier (LEI) is a 20-character
alphanumeric identifier used to uniquely identify legal
entities involved in financial transactions.
The purpose of the LEI is to create transparency in the global
financial system by enabling the unique identification of
companies and other legal entities operating in financial
markets. LEIs were introduced to improve risk management,
increase transparency and facilitate the monitoring of
systemic risks in the financial system. They are issued by
authorized authorities or by LEI issuers commissioned by them.
The LEI number contains information about the legal entity it
identifies, including the legal entity, the country in which
it is registered and additional data necessary to clearly
establish the identity.
Please note that every company must have a valid LEI in order
to actively use CashPlus SME. If your company does not yet
have an LEI number, you can apply for one directly during the
registration process. The process is completely digital and
usually only takes a few hours until activation.
What documents does UnitPlus Business provide me with for accounting purposes?
UnitPlus Business provides companies with comprehensive tax
information to assist them with the complete declaration of
all investment income in their tax returns. Investing
companies receive the following information in particular:
– Information on the tax cost valuation and subsequent
valuation as at December 31 of a year
– Information on all realized capital gains and losses of a
year
– Information on the advance lump sum deemed to have been
received, taking into account acquisitions made during the
year, if relevant
Contact
For questions or suggestions, we are available Monday to Friday from
8 AM to 8 PM
You can reach us at:
Phone: +49 30 83795115
Mail: contact@unitplus.eu
Alternatively, you can also book an appointment for a conversation here.
Make Appointment
Kerstin Schneider
Denis Bassler
Dario Gajewski
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