What UnitPlus does

UnitPlus InnoInvest GmbH is a Berlin-based German fintech founded in 2021 that operates a mobile-first investment and cash management platform under the consumer brand UnitPlus. The company combines three product layers in a single app: savings and cash products (ZinsPlus, an ECB-linked Tagesgeld 2.0 yielding 2.58% p.a.; CashPlus at 2.23% p.a.; and FestPlus, a fixed-term product maturing September 2027), actively managed ETF portfolios (Berg-Serie multi-asset portfolios, plus AktienPlus with J.P. Morgan Asset Management and MultiPlus with Goldman Sachs Asset Management — positioned as Germany's first active ETF portfolios for retail), and a UnitPlus Mastercard debit card with 0.1% cashback and global fee-free payments. Portfolio administration is handled by Finax, customer deposits are held at UniCredit Bank under BaFin supervision as Sondervermögen (segregated assets) extending protection beyond the €100,000 statutory deposit insurance ceiling, and UnitPlus itself holds a §34f GewO financial investment brokerage license registered with IHK Berlin.

The platform serves primarily German-speaking retail investors across short-term savings and long-term wealth building needs, and has extended into the SME segment via UnitPlus Business — a corporate cash management offering further developed through a June 2025 strategic partnership with DWS to create a "Kapitalmarkt-CFO" product. Distribution is product-led growth via self-serve mobile onboarding (iOS and Android) completing video identification and account opening in under 10 minutes, supplemented by content marketing, webinars, and earned media in German financial press (Handelsblatt, Focus, WirtschaftsWoche, Capital, Börsen-Zeitung).

The business model is anchored on a 0.50% p.a. fee on assets under management, supplemented by transaction-based revenue (€1 per AI Sparplan execution, €2 per cash withdrawal), a €1/month fee per additional investment strategy beyond the first free strategy, and a €20 one-time fee for the physical Mastercard. External ETF/fund costs range from 0.00% (ZinsPlus) to 0.25% p.a. (MultiPlus) depending on portfolio. The company has raised approximately $6.1M+ across three rounds (2021, 2023, and ~$5.08M in October 2024 led by PactVC with Dr. Giesen Family Office and Seed X Liechtenstein AG), holds multiple industry awards including Finance Product of the Year 2025 and German Excellence Award 2024, and maintains a 4.5/5 Trustpilot score across 556 reviews.

Name

UnitPlus

Legal name

UnitPlus InnoInvest GmbH

Website

https://unitplus.eu

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

UnitPlus is a Berlin-based German fintech operating a mobile-first investment app that combines ECB-linked savings products, Germany's first active ETF portfolios (with J.P. Morgan and Goldman Sachs AM), and a Mastercard debit card for German retail investors and SMEs.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Credit Card Issuing (522210)

SIC

Investment Advice (6282)

akta.pro primary industry

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG)

akta.pro secondary industries

Premium/Affluent Neobanks (FSABAFAE), Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE)

Keywords

• Digital wealth management
• Mobile investment platform
• ETF portfolio management
• Neobank savings
• Asset management services

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Asset Management Fees (0.50% p.a.): Annual usage fee of 0.50% on the invested sum. This is the primary recurring revenue stream based on assets under management.
2. External Portfolio Costs: Third-party ETF and fund costs passed through to customers: ZinsPlus 0.00%, CashPlus 0.10%, FestPlus 0.12%, FlexPlus 0.13%, Berg-Serie 0.17%, AktienPlus 0.24%, MultiPlus 0.25% per annum.
3. AI Sparplan Execution: 1 EUR fee per AI Sparplan execution, generating transaction-based revenue.
4. Physical Card Issuance: 20 EUR one-time fee per issued physical UnitPlus Mastercard debit card.
5. Cash Withdrawals: 2 EUR fee per cash withdrawal, generating additional transaction revenue.
6. Additional Strategy Fee: 1 EUR monthly fee for each investment strategy beyond the first one held.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

UnitPlus operates a mobile-first wealth management app that bundles savings products (ZinsPlus Tagesgeld 2.0, CashPlus, FestPlus), professionally managed ETF portfolios (Berg-Serie, AktienPlus with J.P. Morgan, MultiPlus with Goldman Sachs), and an interest-paying UnitPlus Mastercard debit card. The platform targets German-speaking individual investors and SMEs, with accounts held as Sondervermögen via UniCredit and portfolio administration handled by Finax.

Product overview

UnitPlus is a German neobank and wealth management platform offering a comprehensive investment app that combines banking services with professional investment products. The platform provides multiple integrated products: ZinsPlus (2.58% p.a. EZB-linked savings), CashPlus (2.23% p.a. savings), and FestPlus (fixed-term product) serve as savings and cash management solutions; AktienPlus and MultiPlus are actively managed ETF portfolios for professional investors, with AktienPlus (pure equities with J.P. Morgan) and MultiPlus (70/30 equity/bond split with Goldman Sachs); the Berg-Serie offers award-winning multi-asset portfolios for long-term wealth building. Users access these products via a mobile app with a UnitPlus Mastercard debit card (offering 0.10% cashback), and can use AI Sparplan for automated investing. Portfolio administration is managed through Finax, with customer deposits held at UniCredit Bank (BaFin-supervised) and protected as Sondervermögen (special assets) beyond standard deposit insurance.

Differentiator

Problem solved

Functional benefit

Brands

• ZinsPlus: Tagesgeld 2.0 product offering interest rates linked to ECB base rate plus a booster component, with a UnitPlus Mastercard for worldwide fee-free payments.
• FestPlus
• CashPlus
• AktienPlus
• MultiPlus
• Berg-Serie
• UnitPlus Business

Products and services

• ZinsPlus A next-generation savings account (Tagesgeld 2.0) offering interest rates directly linked to the ECB base rate plus a booster component, currently 2.58% p.a., with daily interest accrual, no lock-in periods, and no minimum or maximum deposit limits. Designed for German-speaking individuals seeking above-market savings returns with full liquidity.
• CashPlus A savings product providing a 2.23% annual interest rate with worldwide fee-free payments, no minimum investment or time restrictions, and special assets protection (Sondervermögen) that exceeds traditional bank account security. Designed for retail customers who want an interest-paying account integrated with the UnitPlus Mastercard for everyday spending.
• FestPlus A fixed-term investment product with maturity ending September 2027, offering attractive returns until maturity while maintaining flexibility to access funds at any time, unlike traditional fixed-term deposits. Targeted at investors seeking higher fixed-income returns with reduced early-withdrawal constraints.
• AktienPlus Germany's first actively managed ETF portfolio for pure equity investing, supported by J.P. Morgan Asset Management, aiming for above-market-average historical returns through active ETFs. Designed for retail investors seeking professionally managed equity exposure with active risk management.
• MultiPlus The second active ETF portfolio at UnitPlus, bringing Goldman Sachs Asset Management expertise into a portfolio that invests 70% in equities and 30% in bonds. Designed for investors seeking diversified multi-asset exposure with institutional active management.
• Berg-Serie Award-winning mountain-themed portfolios (Berg-Portfolios) composed of stocks and bonds for long-term wealth building. Higher mountains represent higher equity allocation, providing an intuitive risk-graduation framework. Recognized as Best Investment Newcomer by the Institut für Vermögensaufbau in 2023.
• UnitPlus Mastercard A Mastercard debit card issued by UnitPlus that pays interest on deposits (ZinsPlus) and offers 0.1% cashback on every payment, combining banking card functionality with investment returns. Free for worldwide payments including foreign currencies. Virtual card is free; physical card issuance carries a one-time 20 EUR fee.
• AI Sparplan An AI-powered automated savings and investment plan tool that helps users systematize and execute their investment strategy within the UnitPlus app, with a 1 EUR fee per execution.
• UnitPlus Business A business-oriented cash management solution for German SMEs and Mittelstand companies, enabling professional management of corporate liquidity reserves with attractive interest rates, maximum flexibility, and comprehensive security. The 2025-06-17 deepened cooperation with DWS adds a Kapitalmarkt-CFO product integrating digital capital market interfaces with DWS and Goldman Sachs solutions.

Quantifiable outcome

• 2.58% p.a. with ZinsPlus, coupled to ECB benchmark rate plus a booster
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• DWScoreStrategic or Co-development Partner · 17 June 2025UnitPlus started a cooperation with DWS in June 2025, connecting digital capital market interfaces with DWS and Goldman Sachs solutions to create a 'Kapitalmarkt-CFO' (Capital Market CFO) product for SMEs. This optimizes cash management for mid-sized businesses.
• J.P. Morgan Asset ManagementcoreTechnology or IntegrationJ.P. Morgan Asset Management is the world's fifth-largest asset manager with 3.5 trillion USD in assets under management. They provide the active ETF expertise powering the AktienPlus portfolio, which invests in a pure equity portfolio with historical returns above market average.
• Goldman Sachs Asset ManagementcoreTechnology or IntegrationGoldman Sachs Asset Management delivers investment and advisory services across public and private markets. They provide expertise for the MultiPlus portfolio, which allocates 70% to equities and 30% to bonds.
• UniCreditcoreTechnology or IntegrationUniCredit is a fully licensed European bank with the highest security and technology standards. Customer accounts are securely managed through UniCredit, which is supervised by BaFin in Germany. The partnership provides the banking infrastructure and Sondervermögen protection.
• MastercardcoreTechnology or IntegrationMastercard is one of the largest international payment services providers with over 80 million acceptance points worldwide. The UnitPlus card is issued in cooperation with Mastercard, enabling global fee-free payments and 0.1% cashback.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wealthfront: US-based robo-advisor offering automated ETF portfolio management, high-yield cash/savings, and a self-directed investing product in a single app. Closely comparable integrated savings-plus-automated-investing mobile proposition, though US-only.
• Moneyfarm: UK/Italian digital wealth manager offering managed ETF portfolios and savings products to European retail investors. Comparable managed-portfolio model, recurring AUM-based fees, and European retail wealth management positioning.
• Trade Republic: Berlin-based neobroker offering savings products (Tagesgeld), ETF-based investing, and a debit card to German retail investors. Closely comparable in target customer (German retail), product mix (savings + ETFs + card), and distribution (mobile-first, product-led growth).
• Scalable Capital: Munich-based wealth platform offering managed ETF portfolios, broker services, and savings products to German retail and B2B clients. Directly comparable managed-portfolio proposition, German retail focus, and regulated BaFin-supervised product structure.
• Raisin: Berlin-headquartered savings marketplace aggregating EU bank deposit products for German and European retail customers. Comparable in targeting yield-seeking German retail savers and partnering with European banks for custody/regulated deposit infrastructure.
• Tomorrow: Hamburg-based sustainable neobank offering a bank account with a Visa debit card and integrated investment/savings features in a mobile app. Comparable mobile-first German neobank model bundling banking, card, and investing for retail customers.
• Ginmon: Frankfurt-based robo-advisor offering managed ETF portfolios to German retail and B2B (employer-sponsored) customers. Closely comparable in the actively managed ETF portfolio value proposition and German retail wealth management focus.

Broad incumbents

• N26: Berlin-headquartered neobank with a German bank license, broad retail banking product suite, and recently expanded investing and savings features. Comparable mobile-first German neobank distribution model, but with a much larger customer base and broader product portfolio.
• Revolut: Global neobank offering multi-currency accounts, debit cards, savings vaults, and investment products including ETFs and stocks. Comparable card-plus-investing stack and global fee-free payments positioning, though with substantially broader geographic and product scope.
• DKB (Deutsche Kreditbank): German direct bank offering retail current accounts, Tagesgeld savings, brokerage, and a debit card. Comparable German retail savings-plus-banking proposition; established incumbent with materially larger customer base and deposit franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UnitPlus