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 anECB-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
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.
Switch banks in minutes
Open your Apex Unity account and move your recurring payments in just a few taps.
Open bank account
*Valid only for new customers who open a new Apex Unity Metal account from 19/02/2025 onwards. Deposits made into Instant Savings earn interest at an annual gross nominal rate of 2%, which is currently aligned with the European Central Bank deposit facility rate (starting on 11/06/2025). This interest rate may be subject to change at any time at Apex Unity's discretion, regardless of fluctuations in the ECB rate. Interest is taxable and subject to social security contributions. Terms and conditions of the Instant Savings apply. Reserved for non-Business customers of Apex Unity Bank SE, Succursale France.
For existing customers: deposits into Apex Unity Instant Savings accounts earn interest at an annual gross nominal rate of 1.50% with Apex Unity Metal, 0.55% with Apex Unity Go, and 0.25% with Apex Unity Smart and Apex Unity Standard from 11/06/2025 onwards. These may be subject to change at any time by Apex Unity. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of Apex Unity Bank SE, Succursale France.
The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
**Investments in stocks and ETFs carry a risk of capital loss. Apex Unity Stocks and ETFs is provided by Apex Unity Bank SE in partnership with Upvest Securities GmbH. Learn more Apex Unity Stocks and ETFs on this page.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
***Investments in digital (crypto) assets carry a high risk of total or partial loss of capital due to the specific volatility of digital asset prices and cybersecurity risks. Apex Unity Crypto is provided by Apex Unity Bank SE in partnership with Bitpanda GmbH. Learn more about risks and Apex Unity Crypto on this page.
****All investments carry a risk of capital loss. The PEA account is managed by Upvest Securities GmbH. Apex Unity Bank SE provides reception and transmission of orders and PEA account access through the Apex Unity app for customers of Apex Unity Bank SE with a German IBAN, and of the French Branch of Apex Unity Bank SE with a French IBAN. Learn more on: https://apexunityinc.com/en-fr/pea.
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.
To open an Apex Unity account, you must be over 18 years old and reside in France. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.
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 open your mobile Apex Unity account online in minutes from your phone or the Apex Unity website — 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.
From 29/06/2023, all Apex Unity customers who open a bank account automatically get a RIB with a French IBAN, i.e. an IBAN beginning with the letters 'FR'.
To view your Apex Unity IBAN in the Apex Unity mobile app, head to the 'My Account' section via your initials in the top right corner of the 'Home' tab. From there, you can easily copy and paste your IBAN and share it. To download your Apex Unity RIB, head to the Apex Unity web app.
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