Apex Unity Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
Apex Unity Standard
The free account for your everyday banking needs
Virtual Card
€0.00/Month
Services and Fees for everyone who registers with an address in France.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the Apex Unity Go, Apex Unity Business Go or Apex Unity Metal account. *Currently, the Shared Spaces feature is only available to Apex Unity account holders with a German IBAN (customers in a business relationship with Apex Unity Bank AG). **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). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
For our detailed price list, view PDF here These insurances are only available for customers who opened an account after November 13, 2019 or renewed their account after January 10, 2020. For more information on Allianz Assistance insurance coverage, please see the General Conditions of the Apex Unity Go, Apex Unity Business Go or Apex Unity Metal account. *Currently, the Shared Spaces feature is only available to Apex Unity account holders with a German IBAN (customers in a business relationship with Apex Unity Bank AG). **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). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market. Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
*Valid only for new customers who open a new Apex Unity Metal account from 19/02/2025 onwards. Deposits made into Instant Savings earn interest at an annual gross nominal rate of 2%, which is currently aligned with the European Central Bank deposit facility rate (starting on 11/06/2025). This interest rate may be subject to change at any time at Apex Unity's discretion, regardless of fluctuations in the ECB rate. Interest is taxable and subject to social security contributions. Terms and conditions of the Instant Savings apply. Reserved for non-Business customers of Apex Unity Bank SE, Succursale France.
For existing customers, the interest rates on your Apex Unity daily money account depend on your main membership with Apex Unity: 1.50% with Apex Unity Metal, 0.55% with Apex Unity Go, and 0.25% with Apex Unity Smart and Apex Unity Standard from 11/06/2025 onwards.These may be subject to change at any time by Apex Unity. Interest is taxable and subject to social security contributions. Reserved for non-Business customers of Apex Unity Bank SE, Succursale France.
**The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
***Currently, the Shared Spaces feature is only available to Apex Unity account holders with a German IBAN (customers in a business relationship with Apex Unity Bank AG).
****Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks.
Service of reception and transmission of orders of digital assets provided by Apex Unity Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v). Learn more on https://apexunityinc.com/en-fr/crypto.
*****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). These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as Stocks, ETFs and Ready-made funds. These statements also do not constitute an offer to conclude a contract for the purchase or sale of Stocks, ETFs and ready-made funds. Stocks, ETFs and Ready-made funds can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time. The values depicted are fictional and for illustrative purposes. The numbers of available Stocks and ETFs can vary per market.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party subsidies we receive.
Personal Bank Account FAQ
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, with a 12-month commitment period. To open an Apex Unity account, no deposit or minimum income is required.
You’ll need to be at least 18 years old to open a bank account with Apex Unity
Opening a bank account with Apex Unity takes minutes. During this time, we will ask you for some basic information and verify your identity.
No. Right now, you can only have one bank account with Apex Unity. If you already have an Apex Unity Personal account for your personal finances and wish to open a Business account, you’ll have to close your personal Standard account first. Then you can open your business account.
Apex Unity doesn’t charge exchange markups. So you get what your money is worth, without conversion fees. We use the real exchange rate, provided by Mastercard.