You don't have to convert your UG to a GmbH. You may once the capital reaches 25k EUR, but you're not obligated to. Until the Stammkapital of the UG reaches 25k

You don't have to convert your UG to a GmbH. You may once the capital reaches 25k EUR, but you're not obligated to. Until the Stammkapital of the UG reaches 25k you're obliged to keep 25% of the yearly earnings. Bank accounts for UGs are available at the same conditions as for a newly formed GmbH (no credit line, no credit card, ...). Generally speaking, bank accounts for newly formed businesses have shitty conditions.