Bank like a local, anywhere

Make free ATM withdrawals worldwide, use your card with no foreign transaction fees, and enjoy insurance coverage with Apex Unity Go and Metal.
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Fee-free payments worldwide

Pay with your Apex Unity card wherever you go — with no foreign transaction fees.
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Travel insurance you can bank on

With Apex Unity Go and Metal, get insurance coverage for travel delays, medical emergencies, baggage, and trip cancellations.
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Lounge access has landed

Travel stress-free with access to 1,300+ airport lounges worldwide. Your first visit is free with Apex Unity Metal.
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Tier pages - Allianz Desktop 1080x70px. Apex Unity Go and Apex Unity Metal are premium memberships supplementing the Apex Unity current banking account. Apex Unity is the policyholder of a collective insurance agreement, as detailed in the Conditions for Beneficiaries for Apex Unity Go and Apex Unity Metal. The insurance agreement is held by Apex Unity and is underwritten by Allianz Assistance. The insurance benefits are embedded within Apex Unity Go and Apex Unity Metal memberships and are only available to the customer for the duration of their membership. A summary of the cover can be found in the FAQ. German law is applicable. Please note that the premium for the insurance policy is paid by Apex Unity Bank SE. The insurance cannot be purchased separately from Apex Unity Go or Apex Unity Metal memberships. The insurance coverage begins with the subscription to the membership and ends when the customer terminates their membership, which can be terminated at any time by the customer. Discounts granted for an annual over a monthly subscription will then lapse. Information on dispute resolution can be found here https://apexunityinc.com/en-be/imprint.  Apex Unity Metal and Apex Unity Go feature insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch), one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.

FAQ

    With Apex Unity, you can make free card payments worldwide — as often as you like and with no foreign transaction fees.

    No matter which Apex Unity plan you have, enjoy unlimited card payments in any currency, with no foreign transaction fees. Mastercard’s exchange rate applies to any foreign currency payment or withdrawal you make with your Apex Unity card.

    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.