Unitplus
“Can an ETF-backed daily-access account replace the traditional savings account and checking account by letting users both earn above-market interest and pay directly from their investment portfolio?”
Founded2021
HQBerlin, Germany
Total raised$6.1M
IndustryFintech / Investment
The story
Founded in 2021 as a capital market app combining saving, investing, and paying, UnitPlus differentiates by letting users pay directly with their investment portfolio (ETFs), liquidating on-demand at point of sale. The company partnered with Vodeno and Aion Bank to underpin its BaaS layer, positioning itself as an investment-first alternative to traditional savings accounts. It has since expanded to SMEs via UnitPlus Business, offering treasury yield-style cash management for corporate liquidity.
Last 12 months
Product timeline
2021
UnitPlus (UnitPlus InnoInvest GmbH) founded in Berlin, Germany, offering ETF-based investment app.· pivot
2024
UnitPlus teams up with Vodeno and Aion Bank to launch ETF investment product with embedded banking infrastructure.· banking
2024
Launched ZinsPlus — a daily savings account alternative paying above ECB interest rate with worldwide free card payments, backed by ETF special fund structure.· banking
2024
Launched UnitPlus Business — cash management solution for SMEs offering daily liquidity with above-ECB interest rates.· banking
The stack
Accounting gap: significant