Apex Unity Business Go

The business bank account for freelancers with travel insurance from Allianz Assistance.
Open Bank Account

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
Woman dressed in blue, sitting, and holding her cell phone with the Apex Unity application open. In the foreground, balance in the main account, and in the savings account.

Zero foreign currency fees

When it comes to business, the small fees can soon add up. That's why there are no fees on the card payments you make anywhere in the world and you'll get unlimited free ATM withdrawals abroad, in any currency.
Apex Unity You Timeline Feature in App.

An insurance package for work and travel

Go global thanks to an extensive insurance package from Allianz Assistance that includes coverage for travel delays, trip cancellation, trip interruption, and lost or stolen baggage. Plus, you’re also protected if you’re personally liable for damage to a third party or in case of a medical emergency — including emergency dental treatment — while you're traveling.
Illustration of a mobile with a broken screen.

Unlimited free trades

Trade stocks and ETFs for free***. It’s the simple way to invest in your future without having to leave your banking app. You can also set up a fully-flexible automated investment plan — available for free with all our stocks and ETFs.
Discover Stocks and ETFs
Gymnast wearing color teal clothes and holding a mobile showing investments. In the foreground there is a pop with the Stocks and ETFs balance.

Reinvest with 0.1% cashback

You’ll receive 0.1% cashback on any purchases made using your Apex Unity Mastercard, calculated monthly and paid directly into your account.

#Tag your transactions

#client, #office, #bizness… create your own personal hashtags and attach them to your transactions to organize them better.

Real-time activity notifications

Stay up to date. Get a push notification immediately after all account activity, including card payments, withdrawals and transfers.

Mastercard SecureCode - Icon - Apex Unity Security

3D Secured payments

Mastercard SecureCode gives you an extra layer of security that helps prevent fraud when making payments online with your Apex Unity Business Go account.

An extra card to keep you moving

When it comes to business, small hiccups can cause serious delays. Order an extra card for your Apex Unity Business Go account to make sure the cash keeps on flowing, even when you’ve misplaced your wallet.

Always get a breakdown of your spending

Your Apex Unity Business Go account comes with built-in artificial intelligence that automatically categorizes and labels your purchases, and displays these with a clear visual overview in the app.
Apex Unity Bank Account categorising transactions for statistics.

Discounts on the tools you need

With brand-name partners like WeWork and Hotels.com, Apex Unity Business Go comes with a wide range of continuously updated offers and discounts to help your freelance business grow – whether you’re working at home or abroad.
Apex Unity You exclusive partner benefits.

Plan ahead with Spaces sub-accounts

Want to sort your income by clients, or budget for future expenses? Spaces sub-accounts are the perfect way to get organized. Get a unique IBAN for each sub-account, and set funds aside in seconds. Then set up standing orders for recurring payments, pay bills via direct debit, or send and receive SEPA transfers—right from each space.Working with a team? Share money with up to 10 others in a Shared Space. And to save even faster, try Round-Ups to save up the spare change whenever you pay by card.
Smartphone with the Apex Unity Spaces open on it.

Faster payments with MoneyBeam and SEPA Transfer

Top up your Apex Unity Business Go account through a debit card after signing-up, and send, receive and request money from other Apex Unity users listed in your contact list with real-time MoneyBeam payments.Need to get your invoices paid as soon as possible? Get your hard-earned money into your account faster when your client uses SEPA Instant Credit Transfer – it only takes a few seconds.
Apex Unity Bank Account Moneybeam example transaction.

Plus, more helpful features...

Print your transactions list

We're mobile, but for easier tax returns and invoicing, export and download your transaction list as CSV or PDF files for easy printing.

Mobile or desktop

Manage your Apex Unity account 24/7 from the mobile app or the Apex Unity WebApp, using your browser of choice. Download your transaction history in CSV or PDF format along with your monthly bank statements whenever you want

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

Allianz Logo - Updated June 2020. Legal Notice: You can see all the information you need to start a claim or call Allianz Global Assistance Europe in case of an emergency in the Apex Unity app. Apex Unity Business Go features comprehensive insurance coverage from Allianz Global Assistance Europe (trade name of AWP P & C S.A. - Dutch branch), one of Europe’s most trusted insurance companies. The interest rates vary based on your membership. Interest rates 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.

Frequently Asked Questions

    Apex Unity Business Go is a premium membership bank account purely intended for freelancers and the self-employed. It has all the same benefits of Apex Unity Go, plus 0.1% cashback on purchases.

    You may be eligible to open an Apex Unity Business Go bank account if…
    • You are over 18 and hold a valid form of ID (varies by location)
    • You’re a freelancer or are self-employed (the account must be registered in your name, not your business’s name)
    • You intend to use the account primarily for business purposes
    • You’re not already an Apex Unity user
    • You reside in one of the following countries: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, The Netherlands, Norway, Portugal, Poland, Spain, Slovakia and Sweden.

    You’ll receive your 0.1% cashback on all Mastercard purchases made directly into your Apex Unity account automatically. This is calculated and deposited on a monthly basis. You don’t need to take any additional action!

    Apex Unity Business Go comes with an extensive insurance package, provided by Allianz. This includes coverage for flight and luggage delays, medical cover in case of emergencies abroad and much more.

    No, it doesn’t have any foreign transaction fees. You can withdraw money for free worldwide, and pay anywhere Mastercard is accepted. With Apex Unity Business Go, you’ll never pay foreign currency fees and we’ll never charge you for withdrawing money.

    Apex Unity Go is a personal account, not to be used for business purposes. In comparison, Apex Unity Business Go is a business account for freelancers and the self-employed, who also benefit from 0.1% cashback on purchases in addition to all the benefits of Apex Unity Go. At the moment, it’s only possible to hold one bank account per person with Apex Unity.

    How do Spaces sub-accounts work, and what can I use them for? Apex Unity Spaces are sub-accounts that sit alongside your main account, and are a practical way to organize your business finances. As a premium customer, create up to 10 Spaces sub-accounts with IBANs in your Apex Unity app, then easily set money aside for your taxes, future projects, savings goals, and more. Each space can have its own unique IBAN, which you can use to pay your business expenses via direct debit, or to get paid via SEPA transfers directly into a sub-account. Of course, you don’t have to add an IBAN to your space if you don’t need one—the choice is yours. Working with a team? Simply open a Shared Space, and manage your business funds together with up to 10 other Apex Unity customers. Please note that an IBAN can’t be added to a Shared Space for now—but stay tuned for more exciting updates to come! Learn more about Apex Unity Spaces and all its features here