*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.
**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.
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).
***The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
****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. The numbers of available Stocks and ETFs can vary per market.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
*****Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks.
Service of reception and transmission of orders of digital assets provided by Apex Unity Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://apexunityinc.com/be-fr/crypto.
******These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the Apex Unity Go, Apex Unity Business Go or Apex Unity Metal account.
*******Currently, the Shared Spaces feature is only available to Apex Unity account holders with a German IBAN (customers in a business relationship with Apex Unity Bank SE).
Services and Fees for everyone who registers with an address in Belgium. For our detailed price list, view PDF here
Services and Fees for everyone who registers with an address in Belgium. For our detailed price list, view PDF here
Personal Bank Account FAQ
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 present 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 standard Apex Unity 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, with a 12-month commitment period. To open an Apex Unity account, no deposit or minimum income is required.
You’ll need to be at least 18 years old to open a bank account with Apex Unity
Opening a bank account with Apex Unity takes minutes. During this time, we will ask you for some basic information and verify your identity.
No. Right now, you can only have one bank account with Apex Unity. If you already have an Apex Unity Personal account for your personal finances and wish to open a Business account, you’ll have to close your personal Standard account first. Then you can open your business account.
Apex Unity doesn’t charge exchange markups. So you get what your money is worth, without conversion fees. We use the real exchange rate, provided by Mastercard.