Bank for free with no hidden fees
Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card and monthly ATM withdrawals.
Get an ECB-linked interest rate
Open a new Apex Unity Metal account and earn 2% interest p.a.* with Apex Unity Instant Savings — linked to the European Central Bank rate.
Free stock and ETF trading
Trade stocks and ETFs for free**. Buy and sell 400+ crypto coins instantly***. Then put it all on autopilot with our free investment plans.Investing involves risk of financial loss.
The card made for travel
Get cashback**** on travel, the best exchange rates, and airport lounge access. Travel stress-free thanks to free ATM withdrawals abroad and insurance — included with Apex Unity Go and Metal.
Get a fast and flexible mobile plan
Get connected on Vodafone's 5G network in minutes, with the pricing and flexibility you’ve been waiting for.
Switch banks in minutes
Open your Apex Unity account and move your recurring payments in just a few taps.
Open bank account
Bank for free: There is no account management fee for the Apex Unity Standard Account. For all other account plans fees apply. See List of Prices and Services for current fees.
*Valid only for new customers who open a new Apex Unity Metal account from 19/02/2025 onwards. The interest rate for the Apex Unity Instant Savings account corresponds to the current European Central Bank deposit facility rate (2% starting on 11/06/2025) and is subject to change by Apex Unity any time. Terms and conditions apply.
For existing customers, Apex Unity Instant Savings account interest rates are based on your main Apex Unity plan: from 11/06/2025 onwards, 0.25% p.a. for Standard and Smart, 0.55% p.a. for Apex Unity Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by Apex Unity over time.
**These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. A portfolio transfer of fractional shares and ETFs is not possible, so a non-intended sale may be necessary. The values depicted are fictional and for illustrative purposes.The numbers of available Stocks and ETFs can vary per market.Trading stocks and ETFs with Apex Unity is fee-free. Note that fund issuers may charge their own ETF management fees directly.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
***The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. Apex Unity Crypto is powered by Bitpanda Asset Management GmbH.
****Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://apexunityinc.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://apexunityinc.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. Apex Unity does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an Apex Unity Go or Apex Unity Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new Apex Unity Go and Apex Unity Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to Apex Unity Go and Apex Unity Metal customers. Customers who downgrade will lose the cashback offer. Apex Unity Go and Apex Unity Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For new and existing Apex Unity Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for Apex Unity Go Business and 0.5% for Apex Unity Metal Business. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
Apex Unity is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.
Apex Unity has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
As a bank, Apex Unity is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the Apex Unity app has many features to ensure the security of its users' bank accounts and data.
In order to open a bank account with Apex Unity, you must have a government-issued ID. Don’t worry, there’s no fussy paperwork or long wait times involved—just present your valid ID during a quick call and you’ll be up and running. It’s worth noting that you’ll also need a smartphone to use your account, and must live in an eligible country where Apex Unity operates.
The standard Apex Unity bank account is free and doesn’t charge any opening or maintenance fees. The Apex Unity Smart bank account costs €4.90 per month, the Apex Unity Go bank account costs €9.90 per month and the Apex Unity Metal account is available for €16.90 per month. To open an Apex Unity account, no deposit or minimum income is required.
You can easily switch your bank account to Apex Unity from almost every German bank! Just type in the name of your current bank. Discover how to switch banks with our tool to facilitate the process.
You can open your mobile Apex Unity account online in minutes from your phone or the Apex Unity WebApp—no paperwork or waiting times. But best of all: Once your Apex Unity bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
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