Berlin-Based Fintech Startup UnitPlus Reports New Funding

Berlin-based fintech startup UnitPlus has raised $4.7 million (€4.7 million) in a seed funding round led by UK-based venture capital firm Pact. 

Other participants included Robin Capital, Seed X (a fintech-focused fund known for investments in Troy and Remind me), and prominent angel investor Alexandros Bottenbruch from PayPal Ventures.

This funding milestone reflects UnitPlus’s growing influence in the investment landscape and its bold approach to transforming traditional investing.

A Vision to Transform Investing

Founded three years ago by Fabian Mohr, UnitPlus is built around a unique approach to investing with a focus on liquidity and convenience. The startup’s flagship product enables users to invest in ETFs (exchange-traded funds) and use their investment portfolios like liquid assets, made possible by a payment card issued by UnitPlus.

Unlike traditional investment products, this offering allows users to make direct payments from their ETF holdings, combining wealth growth with on-demand access.

Expanding its product line, UnitPlus introduced CashPlus, an interest-bearing account built on money market funds, appealing to those who seek both liquidity and returns. Initially tailored for individuals, CashPlus has recently opened up to businesses, allowing companies to use the platform for short-term investments, thus diversifying UnitPlus’s customer base and positioning it as a versatile player in the fintech space.

Strategic Use of Fresh Capital

UnitPlus plans to channel the newly raised capital into the development of innovative products, including a feature that employs artificial intelligence to create personalized, automated savings plans. These AI-driven plans will analyze users’ cash flow patterns to calculate adaptable monthly savings rates, providing a tailored investment experience that responds to changes in users’ financial situations. Targeting end consumers at first, this product is expected to launch later this year, setting a foundation for further AI-driven financial solutions.

Growing Market Presence and Ambitions

With over €100 million in deposits by April this year, UnitPlus’s new funding round underscores its success and expanding role in Germany’s fintech ecosystem. The capital injection will support UnitPlus’s mission to make investing more accessible, flexible, and intuitive, encouraging broader adoption among both individual and corporate investors.

In the broader fintech landscape, UnitPlus stands out with its ETF-based payment integration and AI-powered savings model, both of which challenge traditional investing paradigms and introduce a more dynamic, user-centric approach to financial planning. As it scales, UnitPlus aims to solidify its position as a frontrunner in Germany’s evolving investment market, catering to a generation of consumers who value the flexibility of modern financial products.