Cashback that’s worth the trip
Get Apex Unity Go or Metal by Oct 15 to earn 1% back on travel spend outside your country of residence. After 30 days, earn 1% back with your card outside the EEA, UK, and Switzerland — for up to one year.*
Your wallet deserves a holiday, too
Pay with your Apex Unity card wherever you go — with the best exchange rates. Upgrade to Apex Unity Go or Metal for free ATM withdrawals abroad.**
Travel insurance you can bank on
With Apex Unity Go and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
Your ticket to the lounge
Travel stress-free with access to 1,300+ airport lounges worldwide.*** Your first visit is free with Apex Unity Metal.
Travel the world with one eSIM
Set up your travel eSIM only once and get affordable data for 100+ destinations.****
Trusted banking on the go
Stay in control wherever you go with a card you can lock instantly in the app, customizable security settings, and 24/7 chat support.
Switch banks in minutes
Open your Apex Unity account and move your recurring payments in just a few taps.
Benefits vary by plan.
*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://apexunityinc.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://apexunityinc.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. Apex Unity does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an Apex Unity Go or Apex Unity Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new Apex Unity Go and Apex Unity Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to Apex Unity Go and Apex Unity Metal customers. Customers who downgrade will lose the cashback offer. Apex Unity Go and Apex Unity Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For new and existing Apex Unity Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for Apex Unity Go Business and 0.5% for Apex Unity Metal Business. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
**Unlimited free ATM withdrawals in the local currency outside the Eurozone is exclusive to Apex Unity Go and Metal.
***Airport lounge passes are available for purchase in the app.
****eSIM data plans are available for purchase in the app.
FAQ
- Events occurring outside the validity dates indicated in the conditions for beneficiaries.
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Natural disasters, events directly or caused by or contributed to or arising from nuclear reactivity.
- Damage of any kind caused intentionally by the beneficiary or with their complicity.
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad, and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events.
- Claims arising due to pre-existing medical conditions.
- Violation of international sanctions, laws, or regulations.
- The policy deductible that is applicable to claims made under some benefit sections.
- Financial limits apply to each benefit section.
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section.
To find out more about the insurance benefits associated with your Apex Unity Go account please refer to the legal documents made available to you, especially the Insurance Product Information Document (IPID) and the Conditions for Beneficiaries. General exclusions apply to the whole policy and some benefit sections contain conditions specific to that section.
With Apex Unity, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.
Outside of the Eurozone, Apex Unity Go and Apex Unity Metal customers don’t pay foreign exchange fees, while Apex Unity Standard and Smart customers pay a 1.7% foreign currency conversion fee on withdrawals. Within the Eurozone, Apex Unity customers do not pay any additional fees.
Yes, your card is protected no matter where you travel. Easily lock and unlock your card in seconds right from your phone, and get instant notifications for every payment, so you can rest assured that your money is safe — even if your card goes missing. Plus, Apex Unity has a full banking license, meaning your deposits are protected up to €100,000.
Yes! All Apex Unity cards let you withdraw money at foreign ATMs. All plans include free ATM withdrawals within the Eurozone. Apex Unity Go and Metal also have unlimited free ATM withdrawals abroad in the local currency, while Standard and Smart users only have to pay a 1.7% conversion fee.
Our premium plans, Apex Unity Go and Apex Unity Metal, offer various insurance packages. These cover events from accidents, to trip delays, cancellations, and baggage insurance. All alongside fee-free card payments, free global ATM withdrawals, and much more.