How can ZinsPlus pay such high yield?

Unlike traditional banks, UnitPlus does not retain any interest margin. While many banks only pass on part of the interest received from the European Central Bank (ECB) to customers, ZinsPlus invests directly in the capital market in a portfolio that tracks the performance of the short-term euro interest rate (€STR). An ETF from BNP Paribas Asset Management is used for this purpose. Another component of the return comes from the capital market investment basket itself, which currently amounts to 0.20% to 0.40% per year. This component of the return may vary depending on market conditions and is not guaranteed. This allows an interest rate return to be generated that is higher than the ECB’s key interest rate.

This mechanism also eliminates expensive intermediate stages, and the interest rate is closely aligned with what banks themselves receive on the market. The €STR is calculated daily by the ECB and is the benchmark interest rate for short-term deposits in the eurozone.

ZinsPlus thus enables particularly transparent and competitive interest rates – without the detours of traditional banking models. You can also transfer your money in full to your registered bank account at any time or invest it in other UnitPlus portfolios, giving you complete flexibility at all times.