For freelancers and the self-employed
The free business bank account for self-starters
Discover a fully mobile banking experience for your business, thanks to Apex Unity Business Standard. Open your account in minutes, directly on your phone, and start getting 0.1% cashback on all purchases using your virtual Apex Unity Mastercard.
Go global with a Mastercard debit card
Open your free business account with Apex Unity, and get a free virtual Mastercard to spend with right away. Link it to your mobile wallet with just a few taps and use it wherever contactless payments are accepted—in stores, apps, online, and even NFC-enabled ATMs. You’ll even get free ATM withdrawals.Prefer a solid piece of plastic? Order a physical Apex Unity Mastercard directly in the app for a €10 delivery fee.
Start earning interest
No deposit limits,** simple conditions, and full flexibility. Discover Apex Unity Instant Savings, the easy-access savings account available at no extra cost in the Apex Unity app.
Discover Instant Savings
Stay on top of business in real-time
MoneyBeam lets you send, receive and request money from other Apex Unity customers with just a few taps in the app—and all in seconds!Your free business bank account also supports SEPA Instant Credit Transfers, which means you could be getting paid in just a matter of seconds if your clients select this payment option.
Stocks and ETFs the simple way
How about investing in your future without having to leave your banking app? Trade stocks and ETFs for free, in just a few taps, and with as little as €1. You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
More than a free business bank account
0.1% cashback
Spend money to make money—for every purchase with your Apex Unity Mastercard, you’ll receive 0.1% cashback that we’ll deposit into your account every month.
Push notifications
Apex Unity offers instant push notifications so you’ll always know when funds enter or leave your free business bank account.
Personalized hashtags
Curious about specific expenses? Create your own hashtags and assign them to your transactions so you can see exactly where your money is going.
Insights
View your overall monthly spending at a glance. Insights automatically categorizes your spending, helping you optimize your budget.
Reach your savings goals with Spaces
Premium Apex Unity customers have access to Spaces—sub-accounts that sit alongside your main account, and make saving money as simple as dragging and dropping it over. Set a goal for a big project or work trip, and start saving right away.Automate your savings with Rules, and create recurring transfers to avoid having to lift a finger again. Collect spare change with Round-Ups, which rounds up every card purchase to the nearest euro, then stashes the difference away in a space.
Discover Spaces
Relax knowing your business is secure
Thanks to Mastercard 3D Secure, your online payments are protected with two-factor authentication. Enjoy an advanced level of security thanks to biometric verification via fingerprint or facial recognition, making sure no one can access your account without consent.
Deposit protection
Apex Unity is a fully licensed European bank. This means that the balance of your free business bank account is insured up to €100,000.
Invest in yourself with Apex Unity Business Metal
Discover our most premium account with 0.5% cashback on all purchases, fee-free payments in all currencies, and a travel, lifestyle and mobility insurance package for extra peace of mind.
Get Apex Unity Business Metal
Our Customer Support is here for you
Whatever you need help with, you can find it in the Customer Support Center. Read up on opening an account or upgrading to premium, or speak directly with one of our Customer Service specialists. Alternatively, contact us directly via the chat in your Apex Unity app. Our experts speak English, German, French, Spanish, and Italian and are happy to assist you.
Visit our Support Center
Business account for freelancers—Apex Unity Business Smart
Take your business further. Enjoy phone support, 0.1% cashback on all purchases and free withdrawals at ATMs in the Eurozone. Create up to 10 Spaces sub-accounts, and find a better way to save together with business partners, thanks to Shared Spaces. It’s the ideal solution to managing business expenses, taxes, savings and budgets easily.
Get Apex Unity Business Smart
Desktop access via Apex Unity WebApp
Prefer to use your desktop? No worries. You can access your free business bank account on your computer via the Apex Unity WebApp.
Transaction lists and balance statements
Tax time? Easily download your transaction list from the Apex Unity WebApp. Balance statements can also be found and downloaded directly from the Apex Unity app.
Open your free business bank account
At Apex Unity, signing up to a business bank account only takes a few minutes. As a premium customer, get access to additional innovative features, higher cashback, and extensive insurance. Discover our plans and the benefits they offer, and choose a bank account that’s perfectly suited to your business.Frequently asked questions
You can easily open your free business account Apex Unity Business Standard through the Apex Unity mobile app or WebApp. All you need is a few minutes and a valid form of ID.
But first, please make sure you meet the requirements for opening a free business bank account with Apex Unity. Learn more about the requirements here.
Apex Unity Business Standard customers get access to streamlined features that let them manage their business’s finances all in one place. Instantly get a virtual Apex Unity Mastercard to use with your smartphone, and start making payments right away.
View Insights to track your monthly spending at a glance, broken down by category—and even create your own hashtags for a more thorough overview. Get instant push notifications so you always know when money is going in or out of your account—and with SEPA instant credit transfers, get paid even faster. Relax with top security features like Mastercard 3D Security and deposit protection up to €100,000. You can access all these features any time, anywhere, from your mobile phone, desktop, or other supported device.
It’s generally recommended to separate your personal finances from your business funds. Not only does it make your tax returns easier, but it gives you a better overview of your financial situation.
With Apex Unity, you can open a free business bank account in just a few minutes to manage your finances, wherever you are.
Yes, you need to open your Apex Unity account using your own first and last name, rather than a company name. We developed Apex Unity Business Standard with self-employed people and freelancers in mind, most of whom offer their services under their own name. That’s why it’ll be your name that is shown on the account and your Mastercard, and not the name of your business.
For every purchase you make with your Apex Unity Mastercard, we’ll give you 0.1% cashback, adding up and transferring the amount to your account every single month. It’s fully automated—you don’t need to do anything from your side.
Each individual can only have one account with Apex Unity. If you already have a private online account at Apex Unity but prefer to have a business account, you will first need to close your existing Apex Unity account. Afterwards you can open your free business account in just a few minutes.
The free business account is primarily meant to be used for business finances. You can still use it for personal expenses if you need to. This is not a problem, as long as they don’t make up the majority of your expenses.
Apex Unity Business is free to open online with no account management fees. It’s the easiest business bank account to open if you’re a freelancer or you’re self-employed.
The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here.
** 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 inducements.
Related posts
These might also interest you
What is freelancing and how does it work?New to freelancing? Let us guide you through the intricacies of setting up as a freelancer and what you can expect after making the switch.
10 in-demand types of freelance jobs you can land tomorrowWhat freelance skills do you need to make it in the gig economy? Here’s a list of the most popular types of freelance jobs that you should consider.
Budgeting for freelancers: a how-to guideIrregular freelance income makes budgeting difficult, but also essential. Check out our guide to budgeting for freelancers to help build a budget that works for you.