UnitPlus review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
UnitPlus suits readers who want a Mastercard debit card for everyday spending and travel without a monthly charge, and it adds a virtual card and multi-currency holding on the same product. A currency conversion fee of 0% keeps costs low, and card cashback of 0.1% adds a small return.
Key facts
- Best for
- A Mastercard debit card with no monthly charge and no currency conversion charge, plus a virtual card for online spending.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 0.1% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- UnitPlus InnoInvest GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card, Multi-currency, Travel
- Official website
- unitplus.eu
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- A monthly fee of €0 for the Mastercard debit card, so keeping the account open costs nothing.
- A currency conversion fee of 0% on spending in other currencies, with multi-currency holding alongside it.
- Virtual card, multi-currency and travel all listed under virtual card, multi currency and travel, on the same card.
Cons
- Support runs on email and help centre only, so a card blocked while you are away has to wait for email.
- A debit card on the mastercard network, the choice carried by 38.5% of the brands tracked, so acceptance abroad is narrower than a Visa card.
Who it suits
- Readers who want a Mastercard debit card with a monthly fee of €0 and a currency conversion fee of 0%.
- Travellers who split spending across currencies and want a virtual card beside the physical one.
- Readers in Germany who are comfortable with a provider registered with IHK Berlin under D-F-107-JGG2-54.
Who should look elsewhere
- Wise, whose account shows a monthly fee of £0, if you would rather hold balances with an account-led provider.
- Varo Believe Secured Credit Card, with a monthly fee of $0, for readers who want a secured credit card rather than a debit card.
- Chime Card, whose monthly fee is $0, for readers who want a Visa card rather than the Mastercard network here.
The company behind it
UnitPlus InnoInvest GmbH, based in Germany, is the company behind the card, and it is registered with IHK Berlin under D-F-107-JGG2-54. Support runs on email and help centre, so questions go by email or through the help centre. A named legal entity, a single registration and a stated support route let a reader check who stands behind the account, and where, before moving money across.
How UnitPlus compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.2
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where UnitPlus is available
- Available
- Germany
- Licence in Germany
- IHK Berlin (D-F-107-JGG2-54), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the UnitPlus card cost each month?+
The monthly fee is €0, so there is no standing charge to keep the account open. The currency conversion fee is 0%, which is the number that matters most if you spend outside your home currency. Together they make the running costs of the card small for everyday use.
Is UnitPlus a debit card or a credit card?+
It is a debit card, so spending comes straight out of your balance rather than being extended as credit. The card runs on the mastercard network, so it is accepted wherever Mastercard debit cards are accepted, at home and abroad.
How much cashback does the card pay?+
Card cashback is 0.1%, paid on top of a monthly fee of €0 and a currency conversion fee of 0%. On its own the return is small, so the appeal of the card sits in the absence of charges rather than in the rewards.
What features come with the card?+
The listed features are virtual card, multi currency and travel, so a virtual card, multi-currency holding and travel use all sit in the same package. The virtual card suits online payments you would rather not put your main card details behind, and multi-currency helps if you hold more than one currency.
How do I get help if something goes wrong with the card?+
Support runs on email and help centre, so the team is reached by email or through the help centre, and there is no listed phone line for an urgent problem such as a card blocked abroad. That can mean waiting longer for an answer when you are away from home.
Is UnitPlus regulated, and who is behind it?+
The provider is UnitPlus InnoInvest GmbH, based in Germany, and it is registered with IHK Berlin under D-F-107-JGG2-54. That registration identifies the company behind the card, so it is the entry to read before you move salary or savings across.
Who is the UnitPlus card suited to?+
It suits readers who want a Mastercard debit card for everyday spending and travel, with a monthly fee of €0 and a currency conversion fee of 0%. It is less useful if you want a credit-building card, a Visa network or a provider that answers the phone, since support runs on email and help centre.
Sources
- unitplus.eu/bankkarte checked September 26, 2026
Backs: Card type, Cashback rate
- unitplus.eu/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“Rosenthaler Strasse 40/41 10178 Berlin”
- unitplus.eu/kosten checked September 26, 2026
Backs: Features, Currency conversion fee, Monthly fee, Card network
“0 EUR fixe Gebuehren - ZinsPlus; Erste Anlagestrategie, Kostenfrei”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
UnitPlus
A Mastercard debit card with no monthly charge and no currency conversion charge, plus a virtual card for online spending.