Optimize your finances: With the UnitPlus Mastercard you not only enjoy 3.23% interest, but also cashback on your spending. Find out how this card can add financial value to your everyday life.
Die UnitPlus Mastercard* offers a novel concept in payment solutions by combining everyday payments with investment opportunities. The aim is to offer users not only a reliable debit card for everyday use, but also the opportunity to profit from every transaction on the capital market. This innovative solution particularly appeals to those who want to combine the convenience of a modern payment card with the advantages of investments. The card supports both domestic and international payments, offers cashback options and various security features – a perfect choice for anyone who wants to seamlessly integrate their payment transactions into their financial strategy.
Apply for the Mastercard from UnitPlus here*
Features and benefits of the UnitPlus Mastercard
Die UnitPlus Mastercard* boasts a number of unique features that set it apart from traditional credit and debit cards:
Combining payments and investments: The card combines everyday payments with the ability to invest in ETF portfolios. With every card payment, 0.10% of the transaction amount is refunded in the form of “ETF-back” – a type of cashback that is invested in ETFs. This allows users to build wealth in the long term without having to rely on additional savings.
Diverse investment opportunities: UnitPlus* In addition to traditional saving in ETFs with ETF.Portfolios and FestPlus, it also offers two attractive investment options.
ETF portfolios: Investments are made here in a selection of ETF portfolios, which offer users a flexible opportunity to participate in the capital markets.
FestPlus: A bond portfolio that serves as an alternative to classic fixed-term deposits, with a fixed interest rate of 2.98% pa (as of September 16, 2024).
Interest rate advantages through CashPlus: UnitPlus* has created a liquidity option with CashPlus, which currently offers attractive interest rates of 3.23% pa. This means customers can park excess credit quickly and profitably.
International Use: The card can be used worldwide without incurring foreign currency fees – ideal for frequent travelers or anyone who regularly makes international transactions.
Referral program: The “Units” program rewards users for recommendations – each successfully referred customer brings additional “Units” (1 Unit = €1) that can be used for future transactions.
Modern payment options: The card supports both Apple Pay and Google Pay and therefore fits perfectly into everyday digital life.
Interest rates and fees
Die UnitPlus Mastercard* is cost-effective and offers the following conditions:
Fee for the first investment strategy: 0.50% pa of the invested amount.
Additional investment strategies: €1 is charged per month for each additional strategy.
Cash withdrawal: Each cash withdrawal costs €2, while card payments are free worldwide.
The transparent fee model allows users to easily control their costs and benefit from an attractive price-performance ratio.
Application process and requirements
The application for the UnitPlus Mastercard* is easy and quick. Interested parties must meet the following requirements:
Residence and age of majority: The card is currently only available to people residing in Germany and requires a minimum age of 18 years.
Registration and verification: Registration takes place via the UnitPlus app, where users can authenticate themselves via video identification.
Choice of investment strategy: When registering, customers can choose directly between the available investment strategies (ETF portfolios, CashPlus and FestPlus) to start their investments.
Security and fraud protection measures: Security is at the forefront UnitPlus Mastercard* a central role.
App-controlled security controls: Users can control all card transactions via the app and block or unblock the card immediately if necessary.
Real-time notifications: A notification is sent for every transaction, so customers are immediately informed about all movements in their account.
Additional disposal limit: The disposal limit is €2,000 or 70% of the current portfolio value. This protects against uncontrolled spending behavior and supports responsible use.
Keep track of transactions: Real-time notifications in the app allow users to always keep track of transactions and identify unnecessary expenses early on.
Targeted cash withdrawals: Since cash withdrawals cost a fee of €2, it is recommended that you only carry out these if you really need them.
Use CashPlus as a credit option: Excess credit can be parked in CashPlus to benefit from the attractive interest rates.
Comparison with other credit cards in the same category
Compared to traditional debit cards or credit cards, the UnitPlus Mastercard* several unique selling points.
Investment integration: While traditional cards are limited to payments and cash withdrawals, the UnitPlus Mastercard* direct investments in ETFs.
No foreign currency fees: This is particularly attractive for travelers as the card can be used worldwide without incurring additional fees.
High flexibility in investment strategies: with ETF portfolios and the FestPlus alternative UnitPlus Mastercard* various investment needs, which makes them particularly versatile.
Conclusion and recommendations
Die UnitPlus Mastercard* is an excellent choice for anyone who wants to combine their daily payments with investment opportunities. It offers an intelligent solution for those who want to optimize their everyday life financially and build wealth in the long term. With attractive features such as “ETF-back” cashback, interest through CashPlus, and flexible investment strategies, it is more than just a debit card. For frequent travelers and digitally savvy customers, it also offers international flexibility and integration into mobile payment services.
Recommendation: The UnitPlus Mastercard* is particularly suitable for users who want to anchor regular investments as part of their everyday life. If you are also looking for a card that does not charge any foreign currency fees and impresses with a variety of security features, you will find it in the UnitPlus Mastercard* a suitable solution.
Conclusion
Overall it is UnitPlus Mastercard* a sophisticated and innovative combination of payment and investment that is ideal for modern financial strategists.
By the way: You can also find the currently best credit cards in our credit card comparison. Feel free to compare this offer with other providers.
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This text is for informational purposes only and does not constitute an investment recommendation. finanzen.net GmbH excludes any claims for recourse. Authors, publishers and the sources cited are not liable for any losses resulting from the purchase or sale of the securities or financial products mentioned in the articles.
