The first bank you'll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.

Your 100% mobile bank account

Tired of waiting in lines, surprise fees, or banking bureaucracy? Same here. Open your new bank account with a virtual card and 24/7 customer support — and manage your money anytime, anywhere.
Open Apex Unity Standard Account
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Free withdrawals

Enjoy two free domestic ATM withdrawals every month, and a virtual Mastercard for when you want to go cashless.
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24/7 banking on the go

Get support whenever you need it, with a bank account that's designed for travelers — and with no hidden fees.
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Transparent, secure transfers

Send money reliably and quickly, whether it's close to home or anywhere within the eurozone.
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Includes free card

Get a free virtual Mastercard you can start using right away.

Get a world of investment choices

Trade stocks and ETFs for free** and explore 400+ crypto coins***. Then put it all on autopilot with our free investment plans. Investing involves risk of financial loss.
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Security at Apex Unity

Apex Unity has a full German banking license from BaFin, so your funds are legally protected up to €100,000 by the Compensation Scheme of German Banks. Our extra layers of security also keep your money safe, like device pairing, 3D Secure, and biometric identification.
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Discover Apex Unity Instant Savings

Open a new Apex Unity account and grow your savings with 2%* gross interest p.a. with Apex Unity Metal (1.40% net) for new customers, 0.50% p.a. with Apex Unity Go (0.35% net), and 0.30% p.a. with Smart and Standard (0.21% net), and access your funds at any time.
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*Valid only for new customers who open a new Apex Unity Metal account from 19/02/2025 onwards. The gross 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. To benefit from this offer, you’ll need to open an Apex Unity bank account. After that, you may open a separate Apex Unity Instant Savings account to earn interest alongside everyday banking. At Apex Unity, each eligible customer can have one Instant Savings account. The gross interest you earn is automatically calculated and paid into your Instant Savings account on the first day of the following month. With an Apex Unity Metal account and a €10,000 deposit in an Instant Savings account offering a 2% annual gross interest rate ( 1.40% net), if you withdraw your deposit after 6 months (183 days), you will earn €10,000 * 2% / 365 * 183 = €100,27 in gross interest (€70.19 net interest). For existing customers: From 11/06/2025 onwards, grow your savings with 0.30% gross interest p.a. for Standard and Smart (0.21% net), 0.50% p.a. for Apex Unity Go (0.35% net), and 1.50% p.a. for Metal (1.05% net). Interest is only earned on funds held in your Instant Savings account. Please note that Apex Unity may change interest rates at any time based on market fluctuation. If this happens, we’ll send you a notification via your Apex Unity secure inbox, after which the new rate will take effect immediately. For customers in Belgium, you’ll find more information about this product including risks right below and here. The offer is provided under the German law. No key information or other legally prescribed documents are available for these accounts. Important information about the Apex Unity Instant Savings account for customers residing in Belgium. Risks The Apex Unity Instant Savings Account is a non regulated savings account of Apex Unity Bank SE. The offer is provided under German law, which means that German law applies. Risk of bankruptcy: Your savings are protected up to €100,000 by the German Deposit Guarantee Scheme. If there is a risk of bankruptcy or Apex Unity going bankrupt, you could potentially lose any deposits you have over 100,000 euros, or their amount could be reduced or converted into shares. Risk of inflation: The Apex Unity Instant Savings account is also subject to inflation risk, where an increase in prices can reduce your purchasing power. Costs The opening and closing of an Apex Unity Instant Savings account is free of charge. There are also no costs for managing this savings account. Apex Unity Instant Savings accounts are available for customers who have a free Apex Unity Standard or Apex Unity Business Standard account, but also for customers who have premium Apex Unity accounts: Apex Unity Smart or Apex Unity Business Smart, Apex Unity Go or Apex Unity Go, and Apex Unity Metal or Apex Unity Business Metal account, which cost €4.90/month, €9.90/month, and €16.90/month, respectively.The price list for Apex Unity is available here. Taxes The Apex Unity Instant Savings account is provided under German law. No withholding tax is being collected. The declaration and payment of taxes in Belgium should be taken care of by the customer, following Belgian regulations. In theory, interest income on the Apex Unity savings account earned should be included in the tax declaration and generally taxed at a rate of 30% but the user should review their specific case with a tax advisor. Withholding taxes may apply for customers who are residents of Germany, in which case Apex Unity will withhold taxes on paid interest. Duration of the account The duration of the Apex Unity Instant Savings account is unlimited. Important documents Please review the following documents before you open an Apex Unity Instant Savings account. You can find the pre-contractual information for Apex Unity Instant Savings accounts here. The Apex Unity Instant Savings account's Terms and Conditions are available for reference on this page. No key information documents are available for unregulated savings accounts. Dispute resolution If you need assistance with your account, have questions about card payments, need to update your information, or have any other inquiries, our Customer Service agents are available daily and ready to help resolve your issues or concerns. For more information please visit our Support Center: How to Contact Apex Unity? If you are dissatisfied and believe that our customer service could not help you sufficiently with your issue or concern, find all the information you need to file a complaint here.
***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. Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements. ****Virtual currencies, real risks. In crypto, only the risk is guaranteed. Warning– the value of your virtual currencies may vary very significantly both up and down and the amount you invest may be completely lost. Learn more here. Apex Unity Crypto is powered by Bitpanda Asset Management GmbH.
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Open your Apex Unity account in minutes

Whether you're looking for a flexible, free online bank account or a premium account complete with insurance packages and smart budgeting tools, Apex Unity has got you covered. There's no paperwork and no hassle — open your account from your phone in minutes.

    Apex Unity is the first 100% mobile bank to be granted and operate with a full German banking license from 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.

    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 our customer's online payments is always guaranteed.

    As a bank, Apex Unity is supervised by the Federal Financial Supervisory Authority (BaFin). Our clients' 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 its users' bank accounts and data.

    To open an Apex Unity account, you must be over 18 years old and reside in Belgium. You also need to have a compatible smartphone. You’ll be asked to provide a valid form of ID as well as valid proof of residence.

    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 show 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.

    The Apex Unity Standard 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.

    You can open your mobile Apex Unity account online in minutes from your phone or the Apex Unity website — no paperwork or waiting times. Best of all: Once your Apex Unity bank account is active, you can start using it right away with your virtual card. You don't have to wait for your physical card to arrive.

    As soon as you open your Apex Unity account, you will get a german IBAN, starting with "DE".

    To view your Apex Unity IBAN in the Apex Unity mobile app, tap your your initials in the top right corner of the 'Home' screen. From there, you can easily copy and paste your IBAN and share it.