UnitPlus review

UnitPlus lists a monthly fee of €0 for the account. That places it at position 1 on this measure among the brands compared, alongside a site median of €0. The card is the same debit card throughout, so there is no plan tier to weigh up.

The currency conversion fee is 0%, which puts it at position 1 on this measure against a site median of 1%. Multi-currency spending is listed as a feature, so foreign purchases are not cut down by a conversion charge.

It is a debit card on the mastercard network, so spending comes out of the account balance rather than a credit line. The features listed are virtual card, multi currency and travel, which covers a virtual card, multi-currency use and travel.

Cashback is part of the offer at a rate of 0.1%. Fees are set out separately, so that cashback sits alongside a monthly fee of €0 and a currency conversion fee of 0% rather than replacing them. The rate is the figure to weigh against other reward cards.

The provider is UnitPlus InnoInvest GmbH, based in Germany. It is listed as licensed with IHK Berlin under the reference D-F-107-JGG2-54. That registration and the named legal entity are the details to check if you need to know who stands behind the card.

Support runs on email and help centre, so questions go by email or through the help centre. Across the site, email support appears in 60.9% of brands and a help centre in 79.6%, so both channels here are common ones.

Travel and multi-currency both sit in the listed features under virtual card, multi currency and travel, and the currency conversion fee is 0%. On a debit card running on mastercard, foreign purchases are not reduced by a conversion charge, and cashback of 0.1% still applies to card spending.

All three are listed at the same level: £0 for Monzo Flex, £0 for Wise and $0 for BMW Card von American Express, against €0 here. On monthly fee the field is level, so the differences sit in the 0% conversion fee and the virtual card, multi currency and travel features.