UnitPlus: Investment & payment

UnitPlus InnoInvest GmbH

About this app

UnitPlus: Investment plus Payment

+ Earn 2.30% interest per year with ZinsPlus (as of August 28, 2025)
+ Invest in professional and award-winning portfolios
+ Pay worldwide with your account and the UnitPlus Mastercard or Apple Pay without fees
+ Open your account in just 10 minutes
+ Your money is fully protected as a special asset

ZINSPLUS: THE NEW GOLD STANDARD FOR SAVING ACCOUNTS

+ 2.30% interest per year (as of 28th AUGUST 2025)
+ No maturity date, no maximum limit
+ Benefit daily from increasing interest rates
+ Free worldwide payments
+ As special assets, your money is safer than in any bank account

UNITPLUS PORTFOLIOS

+ Award-winning and professional investment strategies.
+ ZinsPlus: Benefit from the short-term euro interest rate plus an additional return component, keeping you above the ECB level. That’s what modern savings accounts look like today.
+ AktienPlus: The next-generation equity portfolio. Powered by the technology of active ETFs and supported by J.P. Morgan Asset Management.
+ MultiPlus: Multi-asset at the highest level. Leveraging the technology of active equity and bond ETFs from Goldman Sachs Asset Management.
+ FestPlus: The smart alternative to fixed deposits. Invest your money with an above-average return until September 2027 while maintaining flexibility.
+ Die Berg-Serie: Professional portfolios tailored to your needs. Awarded as Best Digital Investment Newcomer by Capital and the Institut für Vermögensaufbau in 2023.
+ FlexPlus: Invest exclusively in European government bonds, minimising risk while maintaining flexibility.

THE UNITPLUS MASTERCARD

+ A new era of payment: Pay with your interest bearing money
+ No foreign currency fees worldwide
+ 0.1% cashback on every payment into one of your UnitPlus portfolios
+ Use Google Pay for easy payments

YOUR PERSONALIZED SAVINGS PLAN

+ Easily invest your money via bank transfer or create a savings plan
+ Utilize our AI-powered personalized savings plan to get more out of your money
+ Adjust your investment according to your life situation and remain flexible

FAIR FEES

+ You only pay 0.5% of the investment amount plus external costs between 0.05% and 0.27% per year.
+ For all portfolios: No fees when paying worldwide and free savings plans.
+ If you invest your money in more than one portfolio at the same time, costs of 1€ per month will be incurred for each investment strategy from the second one onwards.

100% SAFETY

+ Complies with all European regulatory requirements, and your portfolio is protected as a special asset in the event of our or our partner bank's insolvency.
+ We operate according to German banking security and data protection standards.
+ 3D-Secure from Mastercard protects you in all card payments.
+ Data processing is done exclusively in Europe.

If you have any questions or feedback, feel free to contact us at: [e-mail]

Investing carries risks, including the potential loss of invested money. Past performance is not indicative of future results.

What’s new

With today’s update, we are setting new standards for savings. ZinsPlus is the modern and rewarding alternative, currently offering 2.30% interest yield. In addition, we have launched MultiPlus, the second active ETF portfolio on the UnitPlus platform, in cooperation with Goldman Sachs Asset Management.
We’ve also made a number of technical improvements to make your UnitPlus experience even better.