UnitPlus review 2026

Opening the depot account is free. For management, UnitPlus charges 0.50% of the depot assets per year for private individuals. On top come the external ETF costs, which, depending on the portfolio chosen, are between 0.10% and 0.26% p.a., so on average around 0.18% p.a. Total costs therefore add up to about 0.68% p.a. – after quirion the second-cheapest figure in the rating field. We could not identify separate transaction costs or a performance-based fee. Paying with the Mastercard debit card is also free of charge at all acceptance points worldwide. Scoring (28/32): The management fee of 0.50% p.a. falls in the "≤ 0.60%" category and earns 12 out of 16 points. The average ETF costs of around 0.18% p.a. are below 0.20% and give the full 10 points. Since neither transaction costs nor a performance fee apply, there are the full 6 points for other costs.

The core of the offer is the Berg series (mountain series): five portfolios named after mountains from the Zugspitze to Mount Everest, with the equity share rising with the height of the mountain – from a balanced 50/50 split at the Zugspitze to 90 percent shares at Mount Everest. Each portfolio uses seven ETFs, five equity and two bond ETFs, investing in more than 800 companies worldwide. There is also FlexPlus with European government bonds and ZinsPlus as a money market variant. In ETF selection, investments that do not meet strict sustainability criteria are excluded. The account opening process includes identity verification, risk profiling and depot opening; the portfolios allow a choice according to risk appetite. The investment universe remains limited to shares and bonds, however, with commodities or property not included. Automatic rebalancing within the portfolios takes place, but we could not find publicly documented trigger rules with thresholds. Scoring (19/25): The investment universe covers shares and bonds worldwide but no further asset classes – that gives 7 out of 10 points. Risk profiling in onboarding, combined with five to six clearly graded portfolios, brings the full 8 points. For automatic rebalancing without publicly documented rules we award 4 out of 7 points.

UnitPlus shows annual returns per portfolio that reflect the expected spread by equity share: in 2021 between +14.0% (Zugspitze) and +26.0% (Mount Everest), in 2022, with the interest rate turnaround, losses between -12.0% and -13.0% across all portfolios, in 2023 a recovery between +13.0% and +16.0%, and in 2024 between +16.0% and +22.0%. In addition, a savings plan calculator shows the historical performance of comparable portfolios. A standardised, continuous after-cost presentation per risk level in one central place is not available, however, which is why we do not award the full score. The portfolio structure is described on the Berg series page, including the number of ETFs used and their split between shares and bonds. A complete list of the funds with ISINs is not publicly viewable before signing a contract. The cost presentation, by contrast, is clear: management fee and ETF cost range appear together. Scoring (11/18): Since performance is published per portfolio but not as a standardised after-cost track record per risk level, we award 4 out of 8 points. For disclosure of the portfolio structure without a fund list with ISINs there are 3 out of 6 points. The joint presentation of management fee and product costs brings the full 4 points.

The offer is aimed at private investors with a minimum investment of €1, making it one of the most accessible in the whole test field. Investments can be made as a lump sum or through a monthly savings plan. On flexibility, UnitPlus has a unique selling point: invested assets can be used directly for payments via the Mastercard debit card, with units sold automatically. There is no minimum term or notice period, and partial withdrawals are possible at any time. We could not verify a specific minimum savings rate or a freely selectable execution rhythm, however. Scoring (13/15): The minimum investment of €1 is clearly below €500 and brings the full 6 points. Since we could verify the monthly savings plan but not a minimum instalment below €50 and a freely selectable rhythm, we award 3 out of 5 points. Availability at any time including partial withdrawals and card payments gives the full 4 points.

UnitPlus is not a credit or securities institution supervised by BaFin but operates as a financial investment intermediary (section 34f GewO, IHK Berlin). Account and depot management is carried out in cooperation with the Belgian Aion Bank, however; the Europe-wide statutory deposit protection of €100,000 per customer applies. Since the custodian bank is not based in Germany, UnitPlus does not fully meet the highest level of our security criterion. An app is available for iOS and Android and fully covers both the investment and the payment function. Customer service can be reached via a phone hotline and by email. On Trustpilot, UnitPlus has 4.4 out of 5 stars from 502 reviews (as of June 2026). Scoring (8/10): Since UnitPlus is licensed in Germany as an intermediary but the custodian bank, Belgian Aion Bank, is based elsewhere in the EU, we award 3 out of 5 points for EU supervision with passporting. An app for iOS and Android plus web access bring the full 3 points. Availability by phone in German gives the full 2 points.