Apex Unity Business Smart

The bank account for freelancers and the self-employed

Start managing your business account directly from your phone—in real-time and with intuitive features. Take back control of your money, with 0.1% cashback on all your card purchases. Open you Apex Unity Business Smart account, for just €4.90 per month.
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Image of a mobile phone showing a subaccount on the screen and a black busimness Apex Unity debit card in the side.

Your Apex Unity Business Smart card—all in color

Choose from 5 colors for your Mastercard debit card—Ocean, Rhubarb, Sand, Aqua or Slate. Each month, get 3 free ATM withdrawals in the Eurozone and free payments worldwide. Your card is compatible with mobile payments, and you can add it to your mobile wallet and start spending even before the physical one arrives.
hand holding a Apex Unity business debit card with the words "Spend" and "Save" in the background.

Get cashback on your business spending

When you shop with your Apex Unity card, you’ll receive 0.1% cashback on all card purchases. And you won’t have to lift a finger—the total amount is automatically paid into your Apex Unity Business Smart bank account each month. It’s the easiest way to reinvest in your own business.
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Apex Unity You Timeline Feature in App.

Stocks and ETFs the simple way

How about investing in your future without having to leave your banking app? With Apex Unity, you can buy stocks and ETFs right from your phone, without paying commission***.
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Intuitive features to manage your business

Track your business expenses

Your spending is automatically categorized with Statistics, and organized in handy financial overview.

Apex Unity accompanies you wherever you go

Managing your business bank account has never been easier. You control all the parameters of your Apex Unity card from the app, and everything is displayed in real-time—even your account balance.

Save with Rules

To save regularly with sub-accounts, set up automatic Rules—define the sum and the frequency, and we’ll take care of the rest.

Organize your tax returns

Download your statements in PDF or CSV from the desktop WebApp, and add personalized hashtags to label your transactions.

Save up for business goals with Spaces

Save money with up to 10 Spaces—sub-accounts for easier saving. Whether it’s for office plants or future tax returns, simply set a goal and move money over from your main account into your space. And Round-Ups will allow you to round your card purchases up to the nearest euro, and transfer the difference directly into a space.
image of two Apex Unity subaccount showing the "main account" and "Taxes" spaces to budget money.

Manage your transfers easily

Carry out all your transactions from your Apex Unity app—from occasional transfers (SEPA or international transfers) to direct debits. Do your employees also use Apex Unity? Send a MoneyBeam to other Apex Unity users and move money instantly, whenever you want.
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Apex Unity You Instant Push Notification about payment to an airline with two flight tickets in the background.

Your secure business bank account

Mastercard 3D Secure

Your online purchases are protected thanks to Mastercard 3D Secure, an advanced two-factor authentication step.

Instant push notifications

Receive alerts on your smartphone after each transaction, and get notified immediately when you receive payments from clients.

Biometric identification

Keep your business banking information safe and your finances secure by signing in with fingerprint identification or facial recognition.

Protection of deposits up to €100,000

As a European bank with a banking license, your money is protected up to €100,000 under the German Deposit Protection Fund.

Treat yourself with partner offers

Enjoy partner offers, perfectly suited to freelancers and the self-employed. With Apex Unity Perks, choose from a wide selection of ever-changing lifestyle discounts from the likes of Blinkist, Mubi and Lime, and tap into tools such as Google Ads and Fiverr that help build, manage and grow your business.
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Apex Unity Customer Support via the phone

Whatever your needs, our customer service agents are always on hand to help. If you encounter a problem or have a question, simply contact our specialists via the in-app live chat, or call us on our premium customer hotline. Alternatively, check out our Support Center to quickly find answers to frequently asked questions.
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Apex Unity You Business Card, Ocean.
Apex Unity You Business Card, Ocean.
Apex Unity You card, Sand.
Apex Unity You Business Card, Ash.
Apex Unity You Business Card, Rhubarb.

Your business bank account in minutes

Open your Apex Unity Business Smart bank account for just €4.90 per month. Enjoy immediate access to intuitive business banking features, and get 0.1% cashback on all your card purchases.Open your account from your desktop or smartphone in minutes, without any paperwork.
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***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. Stocks and ETF is currently only available to Apex Unity account holders with a French IBAN (customers in a business relationship with Apex Unity Bank AG, Succursale France). 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.

FAQ

    Apex Unity Business Smart is a bank account for freelancers and the self-employed. It comes with a colorful Mastercard debit card, and intuitive features to help you easily manage your business finances. With Statistics, get an automatic categorization overview of your spending in a handy overview, and create up to 10 sub-accounts with Spaces—including Shared Spaces to save money with other Apex Unity users. Get free withdrawals from ATMs in the Eurozone and enjoy free payments in any currency around the world. You also have access to exclusive partner offers and discounts, and a priority Customer Support hotline. See our Terms and Conditions for full details.

    Apex Unity Business Smart is a bank account that’s designed for freelancers and the self-employed. This account is in your personal name and can’t be in the name of your business. If you’re self-employed, it helps to separate your personal and business finances and with Apex Unity Business Smart, you can do this from anywhere—directly from your smartphone or the WebApp on your desktop.

    To open an Apex Unity Business Smart bank account for freelancers, you must meet our eligibility criteria. If you do, open your bank account from our website or by downloading the Apex Unity app on a compatible smartphone. The opening of your business account takes minutes, and is done without paperwork. Once you've verified your identity, your business bank account will be ready to use. For more information on opening an Apex Unity Business Smart bank account, as well as the documents you need, visit our Support Center. If you already have an Apex Unity Business account, you can directly upgrade to an Apex Unity Business Smart account from the Apex Unity mobile app.

    To open an Apex Unity Business Smart account, you must use your personal first and last name. This business bank account is designed for freelancers and the self-employed who conduct business operations under their own name. This means that your company name cannot appear on the Apex Unity Business Smart account or card.

    With Apex Unity Business Smart, you receive 0.1% cashback or cashback on all purchases made with your Apex Unity card. Your discount will be automatically calculated and paid into your Apex Unity Business Smart account every month. No further action is necessary from your side.

    Apex Unity Business Smart is the bank account for self-employed entrepreneurs and freelancers, therefore, you should use it mainly for business purposes. However, you can also use it for private purposes as long as they are in the minority compared to your business expenses. You can also use it to receive payments from clients and for expenses related to your business activity, such as business travel or paying rent for your office.