UnitPlus review

UnitPlus pays a headline rate of 2.83%, credited daily. Interest is paid on an easy-access basis, so the money can be withdrawn whenever you want and there is no term to serve. That makes it a flexible everyday pot for short and long holding periods alike.

The monthly fee is €0, and the pricing model is no monthly fee, so there is no charge for keeping the account open. Your balance is the only thing at stake. Currency conversion is also free, with an FX fee of 0% on card spending.

No minimum deposit is needed, since the minimum is €0, so you can open the account and start with a small sum. There is no term limit and no maximum deposit either, and the account kind is easy access, which suits people who like their savings reachable.

Deposits are covered by EU DGS up to EUR 100,000. In addition to that guarantee, the balance is held as a segregated special fund, kept apart from the provider's own assets. The statutory cover therefore sits above a segregated pot rather than on top of an ordinary company balance sheet.

UnitPlus InnoInvest GmbH is registered with IHK Berlin as a financial investment intermediary. The savings themselves sit with the partner bank UniCredit, which is supervised by BaFin and described as fully licensed. That means the intermediary side and the bank side sit under separate German oversight.

Money is available at any time and interest is credited daily, so access is immediate rather than tied to a notice period. The account kind is easy access, which is the point: savings stay reachable while still earning. You are not committing to a fixed window for your money.

Support runs on email and help centre, so you reach the team by email or through the help centre. There is no phone line listed, so for anything urgent the email route is the practical one. A German operating company and a German bank partner sit behind the service.