UnitPlus review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UnitPlus pays 2.83% on money that stays accessible at any time, which suits savers holding a working balance instead of locking cash into a term. The trade-off is yield: the rate sits under the site median of 3%, so the case rests on access and price rather than rate alone.
Key facts
- Best for
- A fee-free easy-access balance for savers who withdraw often.
- Headline rate
- 2.83%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Daily interest, no term limit, no minimum or maximum deposit, money accessible at any time; held as Sondervermogen (segregated special fund) on top of statutory deposit guarantee↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Regulators
- IHK Berlin↗
- Legal entity
- UnitPlus InnoInvest GmbH↗
- Headquarters
- Germany↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- unitplus.eu
Debit cards
Robo-advisors
- Management fee
- 0.5%↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Account types
- Corporate↗
- Portfolio types
- ETF, ESG, Cash↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Minimum deposit €0 and monthly fee €0 make the account costless to run.
- Money stays accessible at any time, with interest credited daily and no term limit.
- The bundled debit card pays cashback of 0.1% with a currency conversion fee of 0%.
- Saving and investing sit together, with etf, esg and cash available on the same platform.
Cons
- The rate of 2.83% sits below 3.29% at Wise and 3.01% at bunq.
- Support runs on email and help centre only, with no phone line listed.
- The rate is variable, so the return can fall when rates elsewhere fall.
Who it suits
- Euro-area savers who need cash on demand, since the account is easy access with no term limit.
- People who want saving and spending in one place, with a debit card paying 0.1% cashback.
- Anyone starting to invest who wants a simple starting portfolio in etf, esg and cash next to a savings balance.
Who should look elsewhere
- Wise pays 3.29%, so anyone whose priority is the return rather than same-day access should look there.
- bunq at 3.01% suits savers who do not need the bundled card and its cashback.
- Finteres, whose rate runs 0% to 36%, is for people who will accept a term to get a bigger return.
Fees and currency costs
Costs here are close to nothing. The monthly fee is €0, so there is no charge for keeping the account open, and the minimum deposit is €0, so there is no balance floor that has to be maintained or topped up. With no monthly charge and no minimum, what the account adds up to comes down to the rate it pays rather than to any account fee.
Safety of your money
Savings balances sit under statutory cover, with deposit protection of EU DGS up to EUR 100,000. The provider is registered with IHK Berlin as a financial investment intermediary, registration D-F-107-JGG2-54. The partner bank behind the account is supervised by BaFin, described by the provider as fully licensed. Taken together, the deposit guarantee covers the cash, and the intermediary registration and banking supervision sit underneath it.
How UnitPlus compares
8.9 vs 8.0
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Where UnitPlus is available
- Available
- Germany
- Licence in Germany
- IHK Berlin (registration as financial investment intermediary under Section 34f GewO) (D-F-107-JGG2-54), checked September 26, 2026
- Licence in Germany
- BaFin (supervision of partner bank UniCredit, described as fully licensed), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the UnitPlus savings account pay?+
The savings account pays 2.83% with interest credited daily, and the rate is variable, so it can move with market rates rather than being fixed for a term. There is no term limit and no cap on the balance. On the comparison here that is below the site median of 3%.
Is there a minimum deposit or a monthly fee?+
No minimum deposit of €0 and a monthly fee of €0 mean there is nothing to pay to hold the account. You can open it with a small transfer, top it up whenever money is spare and leave it open without having to maintain a balance floor.
Can I get my money out whenever I want?+
Yes. The account is easy access, with daily interest, no term limit and no minimum or maximum deposit, and money can be moved at any time. There is no notice period to serve, so the balance works as a working cash reserve rather than a locked deposit.
How is my money protected?+
Cash held in the savings account is covered by EU DGS up to EUR 100,000, and the balance is held as a segregated special fund on top of that statutory guarantee. Anything you hold in investment portfolios sits under a different scheme, EU ICS up to EUR 20,000, so the two limits are separate.
What card comes with the account?+
The account comes with a debit card on the mastercard network that pays cashback of 0.1%. It includes virtual card, multi currency and travel features, and the currency conversion fee is 0%, which matters if you spend in a currency other than the euro.
Can I invest as well as save?+
Yes, alongside the savings account you can hold portfolios in etf, esg and cash, and the provider charges a management fee of 0.5%. The portfolio side carries the risk of falling values, and the minimum deposit on the savings side is €0, so you can start small and add later.
How do I get help if something goes wrong?+
Support runs through email and help centre. That means written help and a self-service help centre, with no phone line listed for account questions, so anything urgent has to go in writing and wait for a reply.
Who runs the account and who supervises it?+
The account is operated by UnitPlus InnoInvest GmbH, based in Germany. It is registered with IHK Berlin as a financial investment intermediary, and the partner bank that holds the balances is supervised by BaFin, which the provider describes as fully licensed. The savings and investing sides therefore sit under two regulators.
Sources
- unitplus.eu/bankkarte checked September 26, 2026
Backs: Card type, Cashback rate
- unitplus.eu/berg-serie checked September 26, 2026
Backs: Portfolio types
- unitplus.eu/en/business/referral checked September 26, 2026
Backs: Account types
“Become a UnitPlus partner and expand your offerings with UnitPlus Business”
- unitplus.eu/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Investor protection, Legal entity, Regulators, Support channels, Licences
“UnitPlus InnoInvest GmbH, Rosenthaler Straße 40/41, 10178 Berlin”
- unitplus.eu/kosten checked September 26, 2026
Backs: Features, Currency conversion fee, Management fee, Pricing model, Monthly fee, Card network
“Erste Anlagestrategie, Kostenfrei”
- unitplus.eu/zinsplus checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“A minimum investment or term limit does not exist for ZinsPlus, and interest is credited daily, so you can enjoy a credit every day”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.