Apex Unity Smart — the clever everyday bank account
This plan has intelligent features that give you more control of your spending, saving, and budgeting.
The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. They’re great for dividing your money to save for specific goals, or setting aside funds for expenses.
Discover Apex Unity Spaces
Investing made simple
Invest in stocks and ETFs without trading fees**** and buy crypto*** directly in the Apex Unity app. You can also open a PEA***** for tax-friendly investing.
Discover investing
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with Apex Unity Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show Mastercard
Travel the world with one eSIM
Set up your travel eSIM once and get affordable data for 100+ destinations.
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*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.
**The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of Apex Unity Bank AG, Succursale France.
***Investments in digital (crypto) assets carry a high risk of total or partial loss of capital due to the specific volatility of digital asset prices and cybersecurity risks. Apex Unity Crypto is provided by Apex Unity Bank AG in partnership with Bitpanda GmbH. Learn more about risks and Apex Unity Crypto on this page.
****Investments in stocks and ETFs carry a risk of capital loss. Apex Unity Stocks and ETFs is provided by Apex Unity Bank AG in partnership with Upvest Securities GmbH. Learn more Apex Unity Stocks and ETFs on this page.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
*****All investments carry a risk of capital loss. The PEA account is managed by Upvest Securities GmbH. Apex Unity Bank SE provides reception and transmission of orders and PEA account access through the Apex Unity app for customers of Apex Unity Bank SE with a German IBAN, and of the French Branch of Apex Unity Bank SE with a French IBAN. Learn more on: https://apexunityinc.com/en-fr/pea.
- You’re at least 18 years old
- You’re a resident of one of the supported countries
- You have a compatible smartphone
- You don’t have an account with Apex Unity yet
- You have a supported ID document on hand, which is valid in your country of residence
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your Apex Unity Smart bank account via the Apex Unity app on your smartphone or using the Apex Unity web app on desktop. You must meet the following criteria:
To open your Apex Unity Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the Apex Unity web app on desktop or the Apex Unity app on your smartphone. It takes just minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.
For more information on how to open your Apex Unity Smart account, and a list of your required documents, visit our Support Center.
You can open your online bank account with Apex Unity in minutes from your phone or the Apex Unity web app. There’s 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.
Apex Unity Smart is a bank account that comes with a physical Apex Unity Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals per month. As an Apex Unity Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with Apex Unity Smart. Create up to 10 sub-accounts with Spaces. You can even link a virtual card to a Space to spend directly from it.
As with all Apex Unity accounts, Apex Unity Smart comes with a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks and ETFs right in your Apex Unity app.
You can find the full details in the Apex Unity Smart Terms and Conditions.
The Apex Unity Smart bank account is a yearly subscription and costs €4.90 a month.
Apex Unity Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
Find out more about Spaces here.
You can only have one active deposit Apex Unity account in your name. Currently, it’s not possible to have two Apex Unity deposit accounts under the same name. This means that you can’t have a private Apex Unity bank account and an Apex Unity business account at the same time. However, once you open your Apex Unity account, you can also get an interest-bearing account and a joint account.
Do you love your Apex Unity online bank account so much that you want to invite friends to discover the benefits too? In France, you can invite others to Apex Unity and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your Apex Unity app to get your invite link and learn more. Share your link with anyone you want to introduce to Apex Unity, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an Apex Unity debit card, you can pay online, in apps, and in stores, as well as withdraw cash at ATMs throughout France. Link your Apex Unity card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our Apex Unity Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get a free virtual card with its own card number — for even more safety when you’re shopping online.
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