ZinsPlus sets new standards in daily savings.

The return of ZinsPlus depends on the current ECB monetary policy and automatically adjusts to market developments. Because ZinsPlus operates directly through the capital market – and not via traditional banks – it can offer particularly competitive interest rates, often above those of conventional savings accounts.

Unlike traditional banks, UnitPlus does not retain any interest margin. While many banks only pass on part of the interest received from the European Central Bank (ECB) to customers, ZinsPlus invests directly in the capital market in a portfolio that tracks the performance of the short-term euro interest rate (€STR). An ETF from BNP Paribas Asset Management is used for this purpose. Another component of the return comes from the capital market investment basket itself, which currently amounts to 0.20% to 0.40% per year. This component of the return may vary depending on market conditions and is not guaranteed. This allows an interest rate return to be generated that is higher than the ECB’s key interest rate. You can see the current yield of the short-term euro interest rate (€STR) by clicking on the following LINK.

This mechanism also eliminates expensive intermediate stages, and the interest rate is closely aligned with what banks themselves receive on the market. The €STR is calculated daily by the ECB and is the benchmark interest rate for short-term deposits in the eurozone.

ZinsPlus thus enables particularly transparent and competitive interest rates – without the detours of traditional banking models. You can also transfer your money in full to your registered bank account at any time or invest it in other UnitPlus portfolios, giving you complete flexibility at all times.

Although the interest rate on ZinsPlus may vary due to its direct link to the European Central Bank’s interest rate policy, unlike stocks or bonds, it does not carry any risk of loss in value due to capital market fluctuations.

The interest rate is directly based on the European Central Bank’s monetary policy. This means that if interest rates continue to fall (rise), ZinsPlus will also generate less interest (more interest). In addition, the ZinsPlus investment basket generates additional income, which currently stands at 0.20% to 0.40% per year. This income component can vary depending on the market situation and is not guaranteed, but it ensures that you currently earn a return above the ECB’s key interest rate.

Otherwise, a loss can only occur if the issuer of the ETF becomes insolvent, which is known as counterparty risk. In addition, ZinsPlus has collateral consisting of stable and highly liquid company shares. A loss would therefore only occur if the ETF issuer defaulted and the companies in the share basket simultaneously encountered financial difficulties. Furthermore, ZinsPlus enjoys special asset status in your UnitPlus securities account, meaning that it is always fully protected against insolvency on our part or on the part of our partner bank, even for amounts exceeding €100,000. ZinsPlus has been developed in accordance with the highest security standards, so you can sit back and relax. However, as with any financial investment, losses cannot be completely ruled out.