Apex Unity Instant Savings account
Earn interest on your money
Open a new Apex Unity account and grow your savings with 2%* gross interest p.a. with Apex Unity Metal (1.40% net), 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.
The gross interest you earn is automatically calculated and paid into your Instant Savings account on the first day of the following month.
Apex Unity Instant Savings is a fully flexible, easy-access savings account, so there are no penalties for withdrawing part — or all — of your funds before the end of the month. You won’t lose any interest that was already paid out or the interest you’ve accrued over the previous days of the current month. In the event of withdrawal, no interest will be paid on the amounts withdrawn.
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).
If you would like to transfer money from your Apex Unity Instant Savings account, you will need to move the money to your main account first.
Please note that the interest rates are subject to change at any time by Apex Unity. If this happens, we’ll send you a notification via your Apex Unity secure inbox, after which the new rate will take effect immediately.
*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). Interest is only earned on funds held in your Instant Savings account. Interest rates are subject to change at any time by Apex Unity. This offer is provided under German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, you’ll find more information about this product including risks, before the FAQs at the bottom of this page. Monthly fees for Apex Unity accounts are detailed in the below table.
*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). Interest is only earned on funds held in your Instant Savings account. Interest rates are subject to change at any time by Apex Unity. This offer is provided under German law. No key information or other legally prescribed documents are available for these accounts. For customers in Belgium, you’ll find more information about this product including risks, before the FAQs at the bottom of this page. Monthly fees for Apex Unity accounts are detailed in the below table.
Apex Unity accounts — Your money deserves an upgrade
HIGHEST INTEREST AT Apex Unity
Apex Unity Metal
The premium account with a metal card
€16.90/month
2% gross interest p.a. (1.40% net) on your Apex Unity Instant Savings
Up to 8 free domestic ATM withdrawals
Exclusive mobile phone coverage
Apex Unity Go
The all-in-one account for banking and travel
€9.90/month
0.50% gross interest p.a (0.35% net) on your Apex Unity Instant Savings
Up to 5 free domestic ATM withdrawals
Flight and luggage delay cover
Apex Unity Smart
The bank account that gives you more control
€4.90/month
Apex Unity Standard
The free account for your everyday banking needs
Virtual Card
€0.00/month
0.30% gross interest p.a. (0.21% net) on your Apex Unity Instant Savings
Up to 2 free domestic ATM withdrawals
Free payments worldwide
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 AG. 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 Business 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.What is Apex Unity Instant Savings?
Apex Unity Instant Savings is an easy-access savings account available to all eligible Apex Unity customers in Belgium, whether you have a Standard or a Premium account.Earn interest on all your savings with no deposit limits and instantly withdraw anytime with no penalty on the daily interest already incurred.The eligibility criteria can be consulted in the FAQ at the bottom of this page.
Start earning interest
Opening your Apex Unity Instant Savings account is easy. Simply head to the ‘Finances’ tab in the Apex Unity app on your phone and tap on ‘Instant Savings’ to create your savings account.
Your money is protected
Apex Unity is a fully-licensed German bank. That means the money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Automate? Great.
Growing your money is even easier when you automate your savings. With Apex Unity Rules and Goals (available for all customers) or Apex Unity Income Sorter and Round-ups (available for Apex Unity Smart, Apex Unity Go, and Metal customers) you can reach your goals faster by automatically moving money between your main account and your savings account. It’s a great, hands-off way to kickstart your savings.
FAQ
To create a savings account, customers need to have a personal or business Apex Unity bank account, German IBAN, and T&Cs and legal residence in Belgium.
No, Apex Unity Instant Savings is available to all eligible customers — new and existing.
No. First, you’ll need to open an Apex Unity bank account and select your membership — Standard, Smart, Apex Unity Go, or Metal. Then you may open a second separate Apex Unity Instant Savings account right in your Apex Unity app (depending on your eligibility). The interest rate earned on the funds held in this separate savings account will vary based on your chosen membership.
The gross interest you earn is automatically calculated and paid into your Instant Savings account on the first day of the following month.
Whether you have a free Apex Unity account or a premium one, you can find Instant Savings in the Finances tab of your Apex Unity app under the “Savings” section. If you’re an eligible Apex Unity customer but can’t see the Instant Savings option, please make sure that you have the latest version of the app.
You may deposit as much money as you like into your savings account: you’ll earn interest on the total balance of your Instant Savings account. The sky’s the limit.
Apex Unity Instant Savings is a fully flexible, easy-access savings account, so there are no penalties for withdrawing part — or all — of your funds before the end of the month. You won’t lose any interest that was already paid out or the interest you’ve accrued over the previous days of the current month.
In the event of withdrawal, no interest will be paid on the amounts withdrawn.
With an Apex Unity Metal account and a €10,000 deposit in an Instant Savings account offering a 2.5% annual gross interest rate (1.75% net), if you withdraw your deposit after 6 months (183 days), you will earn €10,000 * 2.5% / 365 * 183 = €125.34 in gross interest (€87.74 net interest).
Please note that the interest rates are subject to change at any time by Apex Unity.
No! Apex Unity Instant Savings is a fully flexible savings account, so you can deposit any amount any time — no strings attached.
Yes. In general, the interest you earn in your Apex Unity Instant Savings account is taxable in the country where you are a tax resident. Apex Unity won't withhold taxes from the interest you earn, so check the tax regulations in your home country and plan accordingly. For accounting purposes, you'll be able to view your total interest earned in your Apex Unity Instant Savings balance statement. Please note that if you move to Germany, German withholding tax requirements will apply.
Yes. Customers with an Apex Unity personal or business bank account are eligible to open an Instant Savings account in Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia, regardless of which tier subscription they have.
An easy-access savings account is a savings account without a strict commitment and no fixed length of deposit. This means you can deposit and withdraw money at any time without reducing your interest rate or paying penalty fees for early withdrawals.
In the event of withdrawal, no interest will be paid on the amounts withdrawn. Please note that the interest rates are subject to change at any time by Apex Unity.
At Apex Unity, each eligible customer can have one Instant Savings account. There's no limit to the number of savings accounts you can have with different banks, unless there are local restrictions in your country of residence.
Your main account is a checking account used for everyday transactions and payments, but the money in it doesn't earn interest. A savings account allows you to earn interest on the money you deposit into it, but it can't be used for everyday payments or be linked to a card.
With a flexible savings account, you can deposit and withdraw money at any time, without reducing your interest rate or paying penalty fees for an early withdrawal. With a term deposit account, you have to lock your money away for a certain period of time — usually, at least one year. If you decide to withdraw money from a term deposit account during this period, you won’t get the earned interest and may have to pay a fee, depending on the T&Cs.
No, you'll need to move money from your Apex Unity Instant Savings account to your main account first.
Yes, 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.