UnitPlus review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UnitPlus suits savers who want flexible access, regular interest and low everyday costs. It offers a headline rate of 2.83%, no annual fee of €0, and broad investment choices. The easy-access account keeps money available at any time, while a segregated special fund sits alongside the stated investor protection.
Key facts
- Best for
- Flexible saving with daily interest, easy access and no annual fee.
- Minimum deposit
- €0↗
- Markets
- Stocks, ETFs, Bonds, Funds↗
- Regulators
- IHK Berlin (34f GewO)↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Currency conversion fee
- 0%↗
- Deposit and withdrawal fees
- Free deposits, payments incl. foreign currency; 2 euro per cash withdrawal↗
- Platforms
- App↗
- Account types
- Corporate↗
- Legal entity
- UnitPlus InnoInvest GmbH↗
- Headquarters
- Germany↗
- Support channels
- Email, Help-centre↗
- Features
- Mobile app
- Pricing model
- No annual fee
- Official website
- unitplus.eu
Savings
- Headline rate
- 2.83%↗
- Rate type
- Variable↗
- 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↗
Credit cards
Robo-advisors
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- No minimum deposit, with a minimum investment of €0
- No annual fee of €0 and a currency conversion fee of 0%
- Daily interest with no term limit and money accessible at any time
- Stocks, ETFs, bonds and funds are available through stocks, etfs and bonds
Cons
- Support runs through email and help centre only
- The interest rate is variable, with a current headline rate of 2.83%
Who it suits
- Savers who need flexible access to their money
- Investors wanting stocks, ETFs, bonds and funds through stocks, etfs and bonds
- Users who value a debit card with cashback rewards
Who should look elsewhere
- bunq requires a minimum deposit of €10
- CFI has a minimum deposit of $0
- Fiesta Credito MX is regulated by CONDUSEF
Deposit protection
UnitPlus is regulated by IHK Berlin (34f GewO) in Germany. Its licence reference is D-F-107-JGG2-54. Investor protection is listed as EU ICS up to EUR 20,000, covering eligible securities balances up to the stated limit. The available protection should be considered separately from any money placed in the easy-access account.
Fees and FX
The minimum deposit is €0, while the currency conversion fee is 0%. Deposits and payments, including foreign currency payments, are free. Cash withdrawals are charged at the stated fee, so regular cash use is the main cost to check before opening an account.
How UnitPlus compares
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9.0 vs 9.0
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Where UnitPlus is available
- Available
- Germany
- Licence in Germany
- IHK Berlin (34f GewO) (D-F-107-JGG2-54), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the minimum deposit for UnitPlus?+
The minimum deposit is €0. The account also has no maximum deposit, so the balance is not limited at the upper end. Deposits and payments are free, including foreign currency payments.
How much is the annual fee?+
The annual fee is €0. The monthly fee is also €0. The account carries a no-annual-fee model, with no stated term limit on the savings side.
Can I access my money at any time?+
Yes. The account offers daily interest, no term limit and access to the money at any time. The account kind is easy access, so it is positioned as an easy-access option.
What interest rate does UnitPlus offer?+
The current headline rate is 2.83%, and the rate type is variable. Because the rate is variable, the headline rate can change rather than remaining fixed for a set term.
How much protection is listed for investors?+
UnitPlus is regulated by IHK Berlin (34f GewO) and lists investor protection of EU ICS up to EUR 20,000. The stated protection applies to eligible securities balances up to the listed limit and is separate from deposit protection for cash savings.
Which investment markets are available?+
UnitPlus offers stocks, etfs and bonds. The available platform is App, and the listed feature is mobile app. This supports stock, ETF, bond and fund investing through the app-based service.
What payment protection and savings access are offered?+
The account provides daily interest, has no minimum or maximum deposit, and allows access to the money at any time. It is held as a segregated special fund alongside statutory deposit protection, according to the stated access terms.
Sources
- unitplus.eu checked September 26, 2026
Backs: Markets, Minimum deposit, Platforms
“Jetzt App herunterladen! Erhalte den Downloadlink per Email”
- 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
“Rosenthaler Strasse 40/41 10178 Berlin”
- unitplus.eu/kosten checked September 26, 2026
Backs: Deposit and withdrawal fees, Features, Currency conversion fee, Management fee, Monthly fee, Card network
“Jetzt App herunterladen! Erhalte den Downloadlink per Email”
- unitplus.eu/zinsplus checked September 26, 2026
Backs: Access terms, Account kind, Annual fee, Cashback rate, Headline rate, Pricing model, Rate type, Rewards rate, Rewards 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: Stock trade fee, Account fee, Inactivity fee, Retail accounts that lose money.