NAO Co-Investment vs UnitPlus: Investment & payment Usage & Stats
YOUR ACCESS TO PRIVATE MARKETS
With NAO, you can invest in private equity, venture capital, infrastructure, and private debt - asset classes that were previously reserved for institutional investors. Germany's largest app for private equity makes exclusive investments accessible to everyone - securely, transparently, and starting at just EUR 1. Now also available via savings plan.
YOUR ADVANTAGES WITH NAO
* Access to private equity, venture capital, infrastructure, and private debt.
* Invest from as little as EUR 1 - simple, direct, and without high barriers.
* Save regularly with savings plans starting at EUR 1.
* Strong partners such as Goldman Sachs AM, UBS, Partners Group, and BNP Paribas AM.
* Regulated custodian and highest security standards.
* Exclusive community events and networking opportunities.
EXCLUSIVE INVESTMENTS. CLEAR AND TRANSPARENT.
NAO brings you closer to private markets – with clear information, easy-to-understand tutorials, and an app that is simple to use. Invest alongside partners who stand for quality and trust, and build your wealth sustainably.
YOUR NAO COMMUNITY
Become part of a growing community of investors seeking access to the most exciting private market investments. Exchange ideas at our exclusive events throughout Germany and benefit from the knowledge and experience of others.
REGULATED AND SECURE
Every NAO account is secured up to EUR 100,000, and your investments are held at a regulated credit institution in Germany. The investments belong to you – without tokenization or intermediary companies.
GET STARTED NOW – PRIVATE MARKETS FOR YOU TOO
Download the app and discover how easy it can be to diversify your portfolio.
- Apple App Store
- Free
- Finance
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UnitPlus: Investment plus Payment
+ Earn 2.30% interest per year with ZinsPlus (as of January 01, 2026)
+ Invest in professional and award-winning portfolios
+ Pay worldwide with your account and the UnitPlus Mastercard or Apple Pay without fees
+ Open your account in just 10 minutes
+ Your money is fully protected as a special asset
ZINSPLUS: THE NEW GOLD STANDARD FOR SAVING ACCOUNTS
+ 2.30% interest per year (as of January 01, 2026)
+ No maturity date, no maximum limit
+ Benefit daily from increasing interest rates
+ Free worldwide payments
+ As special assets, your money is safer than in any bank account
UNITPLUS PORTFOLIOS
+ Award-winning and professional investment strategies.
+ ZinsPlus: Benefit from the short-term euro interest rate plus an additional return component, keeping you above the ECB level. That’s what modern savings accounts look like today.
+ AktienPlus: The next-generation equity portfolio. Powered by the technology of active ETFs and supported by J.P. Morgan Asset Management.
+ MultiPlus: Multi-asset at the highest level. Leveraging the technology of active equity and bond ETFs from Goldman Sachs Asset Management.
+ FestPlus: The smart alternative to fixed deposits. Invest your money with an above-average return until September 2027 while maintaining flexibility.
+ Die Berg-Serie: Professional portfolios tailored to your needs. Awarded as Best Digital Investment Newcomer by Capital and the Institut für Vermögensaufbau in 2023.
+ FlexPlus: Invest exclusively in European government bonds, minimising risk while maintaining flexibility.
THE UNITPLUS MASTERCARD
+ A new era of payment: Pay with your interest bearing money
+ No foreign currency fees worldwide
+ 0.1% cashback on every payment into one of your UnitPlus portfolios
+ Use Apple Pay for easy payments
YOUR PERSONALIZED SAVINGS PLAN
+ Easily invest your money via bank transfer or create a savings plan
+ Utilize our AI-powered personalized savings plan to get more out of your money
+ Adjust your investment according to your life situation and remain flexible
FAIR FEES
+ You only pay 0.5% of the investment amount plus external costs between 0.05% and 0.27% per year.
+ For all portfolios: No fees when paying worldwide and free savings plans.
+ If you invest your money in more than one portfolio at the same time, costs of 1€ per month will be incurred for each investment strategy from the second one onwards.
100% SAFETY
+ Complies with all European regulatory requirements, and your portfolio is protected as a special asset in the event of our or our partner bank's insolvency.
+ We operate according to German banking security and data protection standards.
+ 3D-Secure from Mastercard protects you in all card payments.
+ Data processing is done exclusively in Europe.
If you have any questions or feedback, feel free to contact us at: support@unitplus.eu
Investing carries risks, including the potential loss of invested money. Past performance is not indicative of future results.
- Apple App Store
- Free
- Finance
Store Rank
- -
NAO Co-Investment VS. 
UnitPlus: Investment & paymentJanuary 18, 2026