*Valid only for new customers who open a new Apex Unity Metal account from 19/02/2025 onwards. The interest rate for the Apex Unity Instant Savings account corresponds to the current European Central Bank deposit facility rate (2% starting on 11/06/2025) and is subject to change by Apex Unity any time. Terms and conditions apply.
Grow your money
Earn interest on your savings — calculated daily and paid out monthly.
100% flexible
No need to lock your money away. Deposit and withdraw any amount, whenever you want.
No deposit limits**
Add as much money as you like and earn interest on every cent.
Your money is protected
The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
Switch banks in minutes
Open your Apex Unity account and move your recurring payments in just a few taps.
For existing customers, the interest rates on your Apex Unity daily money account depend on your main membership with Apex Unity: from 11/06/2025 onwards, 0.30% p.a. for Standard and Smart, 0.50% p.a. for Apex Unity Go, and 1.50% p.a. for Metal (before taxes). Please note that rates per plan can be changed by Apex Unity over time.
Interest is only earned on funds held in your Instant Savings account. Withholding taxes may apply for customers who are residents of Germany, in which case Apex Unity will withhold taxes on paid interest.
**The money in your bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.
The offer is provided under the German law.
FAQ
To create a savings account, customers need to have an Apex Unity personal or business bank account, German IBAN, and T&Cs, and legal residence in one of the following countries: Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia.
No, Apex Unity Instant Savings is available to all eligible customers — new and existing.
No. First, you’ll need to open an Apex Unity bank account and select your membership — Standard, Smart, Apex Unity Go, or Metal. Then you may open a second separate Apex Unity Instant Savings account right in your Apex Unity app (depending on your eligibility). The interest rate earned on the funds held in this separate savings account will vary based on your chosen membership.
The gross interest you earn is automatically calculated and paid into your Instant Savings account on the first day of the following month.
Yes, Apex Unity may change interest rates at any time based on market fluctuation. If this happens, we’ll send you a notification, after which the new rate will take effect immediately.
Whether you have a free Apex Unity account or a premium one, you can find Instant Savings in the Finances tab of your Apex Unity app under the “Savings” section. If you’re an eligible Apex Unity customer but can’t see the Instant Savings option, please make sure that you have the latest version of the app.
You may deposit as much money as you like into your savings account: you’ll earn interest on the total balance of your Instant Savings account. The sky’s the limit.
Apex Unity Instant Savings is a fully flexible, easy-access savings account, so there are no penalties for withdrawing part — or all — of your funds before the end of the month. You won’t lose any interest that was already paid out or the interest you’ve accrued over the previous days of the current month.
In the event of withdrawal, no interest will be paid on the amounts withdrawn.
With an Apex Unity Metal account and a €10,000 deposit in an Instant Savings account offering a 2.5% annual gross interest rate (1.75% net), if you withdraw your deposit after 6 months (183 days), you will earn €10,000 * 2.5% / 365 * 183 = €125.34 in gross interest (€87.74 net interest).
Please note that the interest rates are subject to change at any time by Apex Unity.
No! Apex Unity Instant Savings is a fully flexible savings account, so you can deposit any amount any time — no strings attached.
Yes. In general, the interest you earn in your Apex Unity Instant Savings account is taxable in the country where you are a tax resident. Apex Unity won't withhold taxes from the interest you earn, so check the tax regulations in your home country and plan accordingly. For accounting purposes, you'll be able to view your total interest earned in your Apex Unity Instant Savings balance statement. Please note that if you move to Germany, German withholding tax requirements will apply.
Yes. Customers with an Apex Unity personal or business bank account are eligible to open an Instant Savings account in Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia, regardless of which tier subscription they have.
An easy-access savings account is a savings account without a strict commitment and no fixed length of deposit. This means you can deposit and withdraw money at any time without reducing your interest rate or paying penalty fees for early withdrawals.
In the event of withdrawal, no interest will be paid on the amounts withdrawn. Please note that the interest rates are subject to change at any time by Apex Unity.
At Apex Unity, each eligible customer can have one Instant Savings account. There's no limit to the number of savings accounts you can have with different banks, unless there are local restrictions in your country of residence.
Your main account is a checking account used for everyday transactions and payments, but the money in it doesn't earn interest. A savings account allows you to earn interest on the money you deposit into it, but it can't be used for everyday payments or be linked to a card.
With a flexible savings account, you can deposit and withdraw money at any time, without reducing your interest rate or paying penalty fees for an early withdrawal. With a fixed-term savings account, you have to lock your money away for a certain period of time — usually, at least one year. If you decide to withdraw money from a fixed-term savings account during this period, you won’t get the earned interest and may have to pay a fee, depending on the T&Cs.
No, you'll need to move money from your Apex Unity Instant Savings account to your main account first.