A person is holding a smartphone near the beach, with the ocean and sand blurred in the background. On the phone screen, a digital Apex Unity card with a pink suitcase design is displayed in a mobile wallet app, ready for contactless payment. The screen also shows the Face ID icon, indicating authentication is in progress. The scene highlights modern, convenient mobile payments while traveling.

The card made for travel

Get cashback on travel, the best exchange rates, airport lounge access, and free ATM withdrawals abroad. Just pack your bags — we’ve got the rest.

Earn up to €25 back every month

Live in Austria? Get 1.5% cashback any time you pay with your Apex Unity Go or Metal card.* Business accounts get an extra 0.1% back for Apex Unity Go and 0.5% back for Metal.
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Your wallet deserves a holiday, too

Pay with your Apex Unity card wherever you go — with the best exchange rates. Upgrade to Apex Unity Go or Metal for free ATM withdrawals abroad.**
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Travel insurance you can bank on

With Apex Unity Go and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
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Your ticket to the lounge

Travel stress-free with access to 1,300+ airport lounges worldwide.*** Your first visit is free with Apex Unity Metal.
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Travel the world with one eSIM

Set up your travel eSIM once and get affordable data for 100+ destinations.****
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Trusted banking
on the go

Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
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The image shows two Apex Unity bank cards on a teal background. One is a transparent card with a visible chip and black header, placed behind a solid green Apex Unity Mastercard with the Mastercard logo in the bottom right corner.

Switch banks in minutes

Open your Apex Unity account and move your recurring payments in just a few taps.
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Benefits vary by plan. *Detailed T&Cs can be found here: https://apexunityinc.com/hb-aut. All Apex Unity Go and Apex Unity Metal customers, both new and existing who reside in Austria, may earn 1.5% cashback on their card spending in and outside of Austria. Customers can sign up at any time and earn up to €25 per month. The cashback will be credited to their main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice. For existing Apex Unity Business customers, the 1.5% cashback offer comes on top of the regular purchase cashback of 0.1% for Apex Unity Business Go, and 0.5% for Apex Unity Business Metal. The cashback reimbursement will be credited to the eligible customer’s Apex Unity bank account (main account) every 30 days after enrollment. **Unlimited free ATM withdrawals in the local currency outside the Eurozone is exclusive to Apex Unity Go and Metal. ***Airport lounge passes are available for purchase in the app. ****eSIM data plans are available for purchase in the app.

FAQ

    To find out more about the insurance benefits associated with your Apex Unity Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
    • Events occurring outside the validity dates indicated in the conditions for beneficiaries.
    • Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
    • Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
    • Damage of any kind caused intentionally by the beneficiary or with their complicity.
    • An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
    • Systemic (non-individual) epidemic/pandemic events.
    • Claims arising due to pre-existing medical conditions.
    • Violation of international sanctions, laws, or regulations.
    • The policy deductible that is applicable to claims made under some benefit sections.
    • Financial limits apply to each benefit section.
    • There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.

    With Apex Unity, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.

    Outside of the Eurozone, Apex Unity Go and Apex Unity Metal customers don’t pay foreign exchange fees, while Apex Unity Standard and Smart customers pay a 1.7% foreign currency conversion fee on withdrawals. Within the Eurozone, Apex Unity customers do not pay any additional fees.

    Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, Apex Unity has a full banking license, meaning your deposits are protected up to €100,000.

    Yes! All Apex Unity cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. Apex Unity Go and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.

    Our premium plans, Apex Unity Go and Apex Unity Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.