The Solution for modern CFOs and financial decision-makers

UnitPlus Business is the first solution of its kind: a digital capital markets CFO, developed by treasury experts in collaboration with Goldman Sachs Asset Management and DWS.

Say goodbye to idle liquidity. With UnitPlus Business, you transform excess capital into a strategic performance engine – secure, agile, and optimized across all interest rate environments. From day one, your liquidity works harder.

Institutional Money Market – The professional alternative to overnight deposits

2.21 % p.a.

Annualized interest return (June 2025)

For companies looking to park liquidity securely and profitably, the institutional money market offers a first-class solution.

The goal: daily access to capital while preserving principal – paired with an attractive return closely aligned with the European Central Bank’s (ECB) deposit rate.

The underlying investment vehicle, with a volume of over €25 billion, is one of the largest and most liquid in Europe. Actively managed by Goldman Sachs Asset Management, it is specifically designed for professional investors.

Daily liquidity and full flexibility. Ideal for short-term investments. Returns closely track the ECB deposit rate

No minimum holding period – your funds remain accessible at all times

Amounts above €100,000 are fully protected as insolvency-protected special assets

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1.05%

⌀ Corporate overnight interest rate

2.21%

UnitPlus Business Money Market

Boost your yield with the 3-Month Euribor

2.39 % p.a.

Annualized interest return (June 2025)

The 3-Month Euribor is a key benchmark in the European money market. As a reference rate for variable-rate financial instruments, it offers predictable, market-driven returns and has historically traded 0.20 to 0.40 percentage points above the ECB deposit rate.

For companies looking to invest short-term liquidity over several weeks or months, this investment format offers an attractive return profile – with daily liquidity and professional management by Goldman Sachs Asset Management.

Interest based on the current 3-Month Euribor – Typically 0.20–0.40% above the ECB deposit rate

No minimum holding period – ideal for investment horizons of a few weeks

Amounts above €100,000 are fully protected as insolvency-protected special assets

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1.25%

⌀ 3-month fixed-term deposit for companies

2.39%

3-month Euribor by UnitPlus Business

Professional-grade treasury investing for higher returns

2.80 % p.a.

Annualized interest return (June 2025)

For liquidity with an investment horizon of ideally six months or more, the treasury strategy offers an additional return component. The actively managed fund invests in short-term, floating-rate government and corporate bonds denominated in euros or currency-hedged. The average interest rate duration is capped at twelve months – making it ideal for a flexible yet return-oriented positioning.

Compared to short-term solutions, this approach can generate an average yield premium of approximately +1.0% p.a. – while maintaining full flexibility.

Actively Managed Investment in Short-Term, Floating-Rate Government and Corporate Bonds within the Euro Area

Designed for liquidity that needs to remain flexible – with a recommended investment horizon of 6 months or more

Amounts above €100,000 are fully protected as insolvency-protected special assets

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1.96%

⌀ 6-month corporate fixed-term deposit

2.80%

Treasury investment by UnitPlus Business

Security at the Highest Level:

Corporate liquidity is the foundation for sustainable growth and long-term business success. But managing liquidity to maximize capital returns is only truly effective when security is guaranteed. That’s exactly the principle behind the development of UnitPlus Business.

Institutional-Grade Custody

Corporate funds are safeguarded as bankruptcy-remote special assets, independent of the balance sheets of UnitPlus and all partner banks.

Global Diversification Instead of Concentration Risk

Unlike traditional bank deposits, your capital is broadly diversified across global money and markets – providing effective protection against bank insolvencies and reducing systemic risk.

Trust Backed by Strong Partners

With Goldman Sachs Asset Management and DWS, we rely on two of the world’s most respected institutions in the money and bond markets – ensuring maximum stability and expertise.

Technology That Makes the Difference

Our modern cash management cockpit combines top-level security, intuitive design, and full control – built on the latest IT standards. Awarded Finance Product of the Year 2025.

Institutional-Grade Custody