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 keep a margin on interest. While many banks only pass on part of the interest they receive from the ECB, ZinsPlus invests directly in the capital markets through a BNP Paribas ETF that tracks the performance of the Euro Short Term Rate (€STR). An additional return component of 0.20% to 0.40% comes from the securities basket itself. This enables ZinsPlus to generate a return above the ECB’s key interest rate. This mechanism avoids costly intermediaries and ensures that returns are closely aligned with what banks themselves earn in the market. The €STR is calculated daily by the ECB and serves as the key reference rate for short-term deposits in the eurozone. ZinsPlus therefore offers a particularly transparent and competitive interest rate – without detours via traditional banking models. You can transfer your money back to your linked bank account at any time or invest it in other UnitPlus portfolios, staying fully flexible.

Although the return from ZinsPlus can vary depending on the ECB’s interest rate policy, unlike equities or bonds it carries no risk of capital losses due to market fluctuations. The return follows the ECB’s monetary policy – meaning that if interest rates rise, ZinsPlus generates more interest as well. In addition, the portfolio generates an extra return component, usually between 0.20% and 0.40%. This component may vary with market conditions and is not guaranteed. A loss could only occur if the ETF issuer were to default (counterparty risk). However, ZinsPlus is backed by collateral in the form of highly liquid and stable securities. For a loss to occur, both the ETF issuer and the underlying securities would need to fail simultaneously. Furthermore, your ZinsPlus investment is classified as special assets (“Sondervermögen”) in your UnitPlus custody account, meaning it remains fully protected – even in the event of insolvency of UnitPlus or our partner bank, and even for amounts above €100,000. ZinsPlus has therefore been developed under the highest security standards so you can invest with peace of mind. However, as with any financial investment, a loss cannot be completely ruled out.