Bank for free — with no hidden fees
Open your euro bank account in minutes. Get a virtual Mastercard and two free ATM withdrawals in euros per month.
Save with Spaces
With Apex Unity Smart, get up to 10 Spaces sub-accounts with individual IBANs to save for your goals and stay on top of your bills.
The card made for travel
Make free payments worldwide, and get free monthly ATM withdrawals in euros across the eurozone.
Open your free euro account now
Open your account in minutes and with no paperwork — right from your phone.
Open bank account
Bank for free: There is no account management fee for the Apex Unity Standard Account. For all other account plans fees apply. See List of Prices and Services for current fees.
Apex Unity is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means the money in your bank account is fully protected 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 the German regulator 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.
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. 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. But best of all: Once your Apex Unity bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Yes, the currency of your bank account from Apex Unity is in euros. But we don’t charge any fees for payments in foreign currencies.
Apex Unity is an online bank that was founded in Berlin in 2013 by Valentin Stalf and Maximilian Tayenthal. In 2016, Apex Unity received a full German banking license from the German regulator BaFin. This means that the deposits in your euro account are protected up to €100,000 by the German Deposit Protection Scheme.
As an Apex Unity customer, you can contact our customer support seven days a week from 7 a.m. to 11 p.m. The easiest way to do this is via chat directly in your Apex Unity app. If you have an Apex Unity Smart account, you also benefit from phone support. Our customer support team speaks five languages: German, English, Spanish, French and Italian.
Find out more
Apex Unity's Complete Guide to Secure Online BankingThe complete Apex Unity guide to banking safely online
Banking Basics: getting startedWe’re here to demystify all things banking-related. Read our guide to take a closer look at the basics of your account.
Banking Basics: ATM feesConfused why you’re getting charged ATM fees when you withdraw your cash? Read more about why it’s happening and how to avoid them next time.