Apex Unity Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
Apex Unity Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
Services and Fees for everyone who registers with an address in Germany.
View our detailed price list as PDF
For more information on Allianz Assistance insurance coverage, please see the General Conditions of the Apex Unity Go, Apex Unity Business Go or Apex Unity Metal 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, 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. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market.
*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.
**The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party subsidies we receive.
Personal Bank Account FAQ
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.
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.
You’ll need to be at least 18 years old to open a bank account with Apex Unity.
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.
The major difference between a personal bank account and a business account is what it’s used for. As the name suggests, personal bank accounts are designed for personal, day-to-day use. Conversely, business accounts are only intended for business transactions. A business account gives you a better overview of your business expenses and enables you to store the relevant receipts more easily. This blog post tells you more about the differences between these two kinds of accounts.
No, you can’t hold two Apex Unity accounts at the same time.
Before you begin to change banks, there are a few things to keep in mind. The Apex Unity account switching service is currently only offered in Germany, Austria, and Spain—IBANs from other countries cannot be processed at this time. If you want to switch your checking account, it only takes 10 minutes to request the service. However, please note that after you’ve submitted your request, it may take up to 7 business days for us to contact all parties. Last but not least, keep in mind that we offer the account switching service together with our partner, Qwist GmbH.
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.