Services and Fees are for anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein.
For our detailed price list, view PDF here
For more information on Allianz Assistance insurance coverage, please see the General Conditions of the Apex Unity Go, Apex Unity Metal, Apex Unity Business Go or Apex Unity Metal Business account.
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 and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs 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. The values depicted are fictional and for illustrative purposes.Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Belgium, Denmark, Estonia, Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands. Using the Apex Unity Broker service is always subject to eligibility. The numbers of available Stocks and ETFs can vary per market.
*Please note that interest rates for each type of membership are subject to change.
**The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***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.
****Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
Personal Bank Account FAQ
You can open a Apex Unity account if you’re at least 18 years old, living in one of these countries, and own a compatible smartphone. To start the sign-up, simply create an account in the Apex Unity app or on the Apex Unity website and confirm your email address. You can then introduce yourself with your ID directly in the app and then pair your smartphone with your account.
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, with a 12-month commitment period. To open an Apex Unity account, no deposit or minimum income is required.
Anyone 18 or over residing in one of our 25 markets can open a bank account. Apex Unity accounts are a great option for your first bank account, offering intuitive mobile features designed to help you save and spend with confidence. If your child is about to turn 18, check out our bank account options to find the one that’s right for them!
Once you have successfully completed the Apex Unity account sign-up process, you will immediately have access to your virtual Apex Unity debit Mastercard on your smartphone. Link this to Google Pay or Apple Pay to start spending immediately. If you ordered a physical card or your account includes one automatically, this will typically arrive via post in 5 to 7 business days.
No. With Apex Unity, you can only have one active account in your name. Currently, it’s not possible to have two Apex Unity accounts under the same name. This means that you can’t have a private Apex Unity bank account and an Apex Unity business account at the same time.
Of course! As long as your employer accepts accounts with a German IBAN, you'll be able to have your salary deposited directly into your Apex Unity account.