Open a bank account online in minutes
Ready for a bank account you’ll actually love? Then you’re ready for Apex Unity. Transfer, receive, and manage your money right in your Apex Unity app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.
Sign up
Hit the button below and enter your personal details in order to create your account.
Verify your identity
Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.
Add your card to your wallet
Your Apex Unity virtual debit card is ready to use.
Enjoy your Apex Unity account!
You're good to go! You can already top up your account and start using your virtual card.
All in one app
Apex Unity combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With Apex Unity, all the tools you need to build your financial wealth are in one place.
Apex Unity Standard—your free bank account
Get a free bank account and easily manage your money right from your smartphone. You’ll get intuitive features like Apex Unity Insights that give you more control over your finances, and push notifications for every transaction.
More than an app: A fully licensed bank
Apex Unity is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.
Apex Unity features you’ll love
Get a virtual or physical debit Mastercard
Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.
Virtual card
Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.
Instant payments
Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other Apex Unity customers via MoneyBeam.
Budgeting tools
From instant push notifications to spending limits to in-depth features like Apex Unity Insights, you’ll have all the tools you need to stay within budget.
Get an ECB-linked interest rate
Open a new Apex Unity Metal account and earn 2% interest p.a.* with Apex Unity Instant Savings — linked to the European Central Bank rate.
Discover Instant Savings
Withdraw and deposit cash
Enjoy 3 free ATM withdrawals per month with Apex Unity Standard, or get up to 8 free ATM withdrawals a month with a premium Apex Unity account. With a handy ATM locator in your Apex Unity app, finding your nearest cash point is a matter of seconds.No ATMs around? You can also deposit and withdraw cash with Cash26 at over 11,900 partner retail stores in Germany. The app will generate a barcode for you to show at the cash register to deposit or withdraw cash—it’s that simple.
More about Cash26
*For existing customers, the interest rates on your Apex Unity daily money account depend on your main membership with Apex Unity: 0.25% p.a. for Apex Unity Standard, 0.25% p.a. for Apex Unity Smart, 0.55% p. a. for Apex Unity Go, and 1.50% p. a. for Metal (before taxes) from 11/06/2025 onwards.
Stress-free dining with Split the Bill
Want to enjoy a night out with your friends and skip the drama when it comes time to pay? With our Split the Bill feature, there’s no more need to ask for separate bills for everyone at the table. Split any payment made with your Apex Unity card easily and instantly, right in the Apex Unity app.
Split the bill
Find a plan for you
Apex Unity Standard
The free* online bank account
Virtual Card
€0.00/month
A virtual debit card
Free payments worldwide
Deposit protection
Apex Unity Smart
The bank account that gives you more control
€4.90/month
POPULAR
Apex Unity Go
The debit card for everyday and travel
€9.90/month
Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage
Apex Unity Metal
The premium account with a metal card
€16.90/month
An 18-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated Apex Unity Metal line
FAQs
- Choose a Bank: Decide on a bank that meets your needs.
- Application Process: Complete the account opening form, either online or in the branch. Provide personal information and select the type of account.
- Identity Verification: Authenticate yourself, for example, via video identification.
- Documents: Review and sign the contract.
- Activation: After verification and approval by the bank, the account is activated and you will receive access data and possibly payment instruments like a card.
- Traditional branch banks
- Online banks
- Savings banks
- Cooperative banks
- Specialized financial service providers
To open an Apex Unity bank account, you must meet the eligibility criteria. If you do, you can simply register via the Apex Unity WebApp on desktop or the Apex Unity app on your smartphone. It only takes minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your Apex Unity account, and a list of your required documents, visit our Support Center.
No, you can’t hold two Apex Unity accounts at the same time.
You can open an Apex Unity account online or via your smartphone in minutes—no stressful paperwork, no wait times.
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.
You’ll need to be at least 18 years old to open a bank account with Apex Unity.
Opening a bank account online with Apex Unity is simple. Just head to your app store and download the Apex Unity app. Then, create your account and choose between an Apex Unity Standard, Smart, Apex Unity Go, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the Apex Unity way!
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. To open an Apex Unity account, no deposit or minimum income is required.
Opening an account at a bank is typically a standardized process, which may vary in some details depending on the bank and country. Here is a general overview of the steps that are usually followed when opening a new bank account:
The ability to open an account instantly depends on the bank and its procedures. Many banks, especially online banks or digital divisions of traditional banks, offer fast or even immediate account opening processes these days. For instance, at Apex Unity, you can open a checking account in just a few minutes.
A checking account can be opened at various financial institutions, including: