After the European Central Bank has cut interest rates several times in 2025, one will appear further interest rate cuts are no longer likely in the new year. This circumstance makes Current accounts also very popular in 2026.

Many savers want a form of investment that… attractive returns not just as an enticement offer, but permanently and with maximum security and flexibility enabled. Right here sets ZinsPlus from UnitPlus with daily money 2.0 that leaves traditional savings products behind.

ZinsPlus: Daily money rethought

ZinsPlus is the modern development of the classic current account. Your money earns interest every day remains available at all times thanks to the UnitPlus Mastercard.

The highlight: Because all funds are above deposit protection as a special fund protected against bank failures interest plus is also suitable very good for large amounts above the deposit guarantee of 100,000 euros.

With 2.30 percent interest pa ZinsPlus is currently well above the ECB key interest rate. What’s special: The interest rate adapts dynamically to the monetary policy of the European Central Bank. This means you benefit from optimal interest rates in any interest rate environment, without any interest hopping or new customer promotions.

The combination of stable interest rates and direct availability makes ZinsPlus the ideal solution for anyone who wants to park their savings flexibly, safely and profitably.

Advantages of ZinsPlus

• Above-average interest rate: Currently 2.30 percent pa, with an additional income component above the ECB level
• No term commitment: Available at any time, no minimum amount
• Pay for free worldwide: No foreign currency or foreign operations
• Daily interest credit: For maximum compound interest effect
• 0.1 percent cashback: On all card payments with the UnitPlus Mastercard
• Special asset protection: Full protection beyond deposit insurance
• No minimum or maximum deposit: ideal for any savings amount
• Quickly set up: Download the app, open a portfolio, deposit money

You can be there in just ten minutes ready to go with ZinsPlus and benefit from your daily interest credit from day one.

This is how ZinsPlus works

Behind InterestPlus There is an intelligent concept: the customers’ money is invested in a portfolio that reflects the short-term euro interest rate (€STR). This base value is supplemented by a Interest rate boosterwhich currently brings an additional 0.40 percent return. This creates a total interest rate of current 2.30 percent pa

It rises ECB key interest ratethe interest rate also increases with ZinsPlus. If it falls, the return is reduced accordingly. All of this completely automatically and always in line with the market. Another highlight is the daily interest credit: the earnings are credited every working day, giving you a real benefit Compound interest effect benefit.

With the one that goes with it UnitPlus Mastercard ZinsPlus becomes highest-interest bank card in Europe. You can pay for free worldwide, even in foreign currencies, and receive extra money for every payment 0.1 percent cashback. This means you can continue to earn interest even when you shop.

Whether on vacation, online shopping or at the supermarket checkout: Your interest works for you around the clock – transparent, simple and secure.

Conclusion: Clever alternative to classic daily money

Who attractive interest rates, flexibility and Security is looking for a modern solution in ZinsPlus from UnitPlus. No hidden costs, no ups and downs due to promotional interest rates, instead market-based returns, daily availability and full control over your money.

ZinsPlus stands for what daily money should be today: simple, safe and profitable. Further information and the opportunity to get started straight away can be found on the ZinsPlus official website at unitplus.eu/zinsplus/.