UnitPlus review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UnitPlus pairs a debit card with cashback and no charge for holding it, so it suits German spenders who want everyday money back without a fee. Its 0% currency conversion fee also keeps the cost of using the card abroad low, which is where many rivals charge more.
Key facts
- Best for
- German card users who want cashback on every payment and no annual charge.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 0.10% on every card payment (Source, checked September 26, 2026)
- Cashback rate
- 0.1% (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)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- unitplus.eu
Debit cards
- 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
- Rewards
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- An annual fee of €0 and a monthly fee of €0 keep the running cost at nothing
- Cashback of 0.1% on card payments, paid as cashback rather than points
- A currency conversion fee of 0% on a debit card run on mastercard
- Support is available through email and help centre for everyday account questions
Cons
- Cashback of 0.1% is modest next to cards that pay richer rates on spending categories
- Help runs on email and help centre only, with no phone line listed for urgent queries
Who it suits
- German residents paying most of their bills by card who want a small return on every purchase
- Travellers who need a debit card that does not add a currency conversion charge
- Customers who want a Mastercard debit without an annual charge
Who should look elsewhere
- People who want a richer cashback rate or points on everyday spending
- Anyone who needs to reach support by phone, since help runs on email and help centre only
How it compares on our data
UnitPlus ranks 1 of 301 brands on annual fee, and the annual fee here is €0. On currency conversion cost it sits at 1 of 181, with a currency conversion fee of 0%. Both measures are cost rather than reward, which fits a card that pays a steady cashback of 0.1% on every card payment.
How UnitPlus compares
9.0 vs 9.4
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9.0 vs 8.5
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9.0 vs 8.8
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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 9.4
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
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9.0 vs 9.1
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 8.8
9.0 vs 8.5
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9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Frequently asked questions
What does UnitPlus cost to hold?+
The annual fee is €0 and the monthly fee is €0, so there is no recurring charge on the account. The card runs on mastercard and works as a debit card, drawing on the balance in the account rather than a credit line.
How much cashback does the UnitPlus card pay?+
Card payments earn cashback at 0.1%, described as 0.10% on every card payment. The reward is paid as cashback rather than points, so the return goes back as money instead of a scheme that has to be redeemed.
Is there a fee for spending abroad with UnitPlus?+
The currency conversion fee is 0%, which is low for a debit card and the same measure on which UnitPlus ranks 1 of 181. On a debit card, that keeps the cost of a foreign purchase close to the exchange rate.
Which company runs UnitPlus and where is it based?+
The legal entity behind the account is UnitPlus InnoInvest GmbH, based in Germany. The card itself is issued on the mastercard network and is a debit card, so it takes payment directly from the account balance.
How do I get help with the UnitPlus account?+
Support runs on email and help centre, which covers written help rather than a phone line. Questions about the account or the card can be sent by email or worked through in the help centre.
Who is the UnitPlus card aimed at?+
It fits customers who want a fee-free debit card that still returns something, since the annual fee is €0 and payments earn 0.1% cashback. It suits everyday card spending rather than borrowing, because the card takes money from the account balance.
Sources
- unitplus.eu checked September 26, 2026
Backs: Currency conversion fee
- 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
“Rosenthaler Strasse 40/41, 10178 Berlin”
- unitplus.eu/kosten checked September 26, 2026
Backs: Monthly fee, Card network
“0 EUR fixe Gebuehren - ZinsPlus; Erste Anlagestrategie, Kostenfrei”
- unitplus.eu/zinsplus checked September 26, 2026
Backs: Annual fee, Cashback rate, Features, Pricing model, Rewards rate, Rewards type
“Unsere Kostenstruktur: 0 Euro fixe Gebuhren - ZinsPlus (main retail product)”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
UnitPlus
German card users who want cashback on every payment and no annual charge.