Apex Unity Business
The business account for freelancers and self-employed
Apex Unity Business is the free bank account for business owners, freelancers, and the self-employed. Get 0.1% cashback on all your purchases, and use your card to make worldwide payments without a fee. Plus, mobile payments are enabled even before you've got your physical card in hand. Start today — opening your account takes just minutes.
Earning interest on your savings
No deposit limits, simple conditions, and full flexibility. Discover Apex Unity Instant Savings, the non-regulated and easy-access savings account available at no extra cost in the Apex Unity app.
More about the Instant Savings account
A free Apex Unity Mastercard for your virtual wallet
Add your virtual Apex Unity Mastercard to your Apple Pay or Google Pay when you open your business account, and immediately get started with secure contactless payments online, in person, and in apps. Want a physical card for your regular wallet? Order a plastic debit Mastercard and only pay the one-time €10 delivery fee.
Earn 0.1% cashback with your Apex Unity card
Get 0.1% cashback on all purchases made with your Apex Unity Mastercard, and reinvest your savings back into your business. We automatically calculate your cashback for you each month and deposit it right into your account.
Stay updated in real-time
Stay informed about changes to your account balance as soon as they happen. Receive push notifications whenever money leaves or enters your account, so you’re always in the loop about which invoices have been paid or which scheduled payments have gone out. Plus, try our MoneyBeam feature for instantly sending, receiving, and requesting money from other Apex Unity customers at no extra cost.
Organize your business expenses
No hidden fees
Your free business bank account has zero surprise fees — no minimum deposit threshold, no recurring monthly fees, and no other hidden costs.
Top-level security
Apex Unity uses biometric recognition and multifactor authentification with Mastercard 3D Secure. That means that no one else gets access your account.
Make accounting easier than ever
Tag your transactions with custom categories and keep track of #TravelExpenses #IndependentProjects, or anything else you need for your work.
Up to €100,000 deposit protection
Apex Unity has a full European banking licence, so our customers' deposits are protected up to €100,000 by the German Deposit Protection Scheme.
Manage your money seamlessly with Spaces
Say hi to Apex Unity Spaces: up to 10 personalized sub-accounts that help you save, budget, and spend. Create your Spaces alongside your main account and easily set funds aside for emergencies, projects, and more.Set up automated Rules to move money into certain Spaces as and when you need — no need to do it manually every time. Plus, use the Round-Ups feature to save spare change by rounding up your card purchases to the nearest euro and tucking the difference safely away into your Space of choice.
Download your statements
Make your life easier at tax time — download and print your account statements and transaction history at any time.
Bank online with the WebApp
Make your life easier at tax time — download and print your account statements and transaction history at any time.
Apex Unity Business Metal — a bank account made for your business
Apex Unity Business Metal is our most premium account, designed for business owners, freelancers, and the self-employed. Get 0.5% cashback on all your purchases, an expanded insurance package, exclusive partner offers, a stainless-steel Mastercard in your color of choice, and more.
Upgrade to Apex Unity Business Metal
Get help in your language
Signing up takes minutes.
Get a new Apex Unity business bank account with our simple, paper-free process — right from your phone or computer.
Visit our Support Center
Open your Apex Unity Business bank account.
Signing up takes minutes. Get a new Apex Unity business bank account with our simple, paper-free process — right from your phone or computer.Frequently asked questions
- You’re 18 years old or older
- You’re a freelancer or self-employed individual, planning to use this account for professional purposes.
- You aren’t already an Apex Unity account holder.
- You live in a country where Apex Unity operates—Germany, Austria, Belgium, Denmark, Estonia, Finland, France, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Norway, Netherlands, Poland, Portugal, United Kingdom, Slovakia, Slovenia, Spain, Sweden, Switzerland or the United States.
The Apex Unity Business Standard account is a free, flexible bank account for freelancers and self-employed individuals. It comes with a free virtual debit Mastercard that you can link to Google Pay or Apple Pay and use to make purchases in stores, online, and in apps. Or, you can order a physical Mastercard for a €10 delivery fee and use your card to make up to 3 free ATM withdrawals per month.
Earn 0.1% cashback on all purchases made with your Apex Unity Mastercard. This extra money will be added up monthly and deposited directly into your account, so you don’t have to do anything extra.
Get notified every time money enters or leaves your account thanks to instant push notifications. Send, receive, and request money from other Apex Unity customers instantly with MoneyBeam, or get paid right away from outside bank accounts thanks to SEPA Instant Credit transfers.
Track all your spending with Statistics and tailor it to your specific information with your own set of hashtags. Then use your Statistics chart to optimize your budget for the months ahead.
To learn more, read our Terms & Conditions.
As a self-employed person, it’s a good idea to have a bank account dedicated to your business. This allows you to separate your personal and business finances and makes it easier to manage your budgets and taxes. With the free Apex Unity Business Standard bank account, you can download your bank statements and transaction history whenever you need to.
Yes. There is no set-up fee or recurring monthly fee for opening your free Apex Unity Business Standard bank account, and you’ll never be hit with any surprise charges. Please read our terms and conditions for more information.
No. This account is intended for freelancers and self-employed individuals doing business in their own name. Therefore, the name that appears on your account and on your Apex Unity Mastercard must be your own name.
Your 0.1% cashback will be automatically calculated and deposited into your Business Standard bank account at the end of each month.
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.
The free Apex Unity Business Standard bank account for the self-employed is designed for professional use. This means it should be for managing your professional finances, like paying rent on an office space or website domain. You can use the account for some personal expenses, but these should be in the minority.