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.* on your 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.
Switch banks in minutes
Open your Apex Unity account and move your recurring payments in just a few taps.
Open a free bank account
*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 their main Apex Unity plan, for both personal and business accounts: from 11/06/2025 onwards, 0.30% p.a. for Standard and Smart, 0.50% 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. This offer is available at no extra cost in the Apex Unity app in Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
**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. Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Ireland, 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.
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.
Apex Unity is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (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.
We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the French territories outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if you live in one of these countries and meet our requirements. Our products and services vary by country.
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 your online payments is always guaranteed.
As a bank, Apex Unity is supervised by BaFin. Your 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 your bank account and data.
In order to open a bank account with Apex Unity, you must have a government-issued ID. See the list of List of accepted ID documents here. 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. Note that you’ll 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, with no 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.
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