Apex Unity Business Standard
A 100% digital, free business bank account for freelancers
Freelancers, meet Apex Unity Business Standard—the everyday business bank account with zero hidden fees and an Italian IBAN for local payments. Wave goodbye to complicated banking, and manage your business expenses right from your phone in one intuitive, easy-to-use app. Sign up online in minutes—no paperwork required.
The Apex Unity Standard bank account includes 3 free withdrawals in the Eurozone per month, after which a €2 fee applies per withdrawal. The virtual Mastercard debit card is free of charge, and a €10 one-off delivery fee applies when requesting a physical Mastercard debit card. Please see the Terms & Conditions for more information.
Your debit Mastercard virtual card
Get a free virtual card for contactless payments, and start paying with your debit Mastercard in apps, in stores, and online with Apple Pay and Google Pay. Enjoy 3 free ATM withdrawals per month with your Mastercard at any contactless-enabled ATM in Italy and the Eurozone.Prefer a physical card? Simply order a business Mastercard debit card in your Apex Unity app for a one-off €10 delivery fee.
Earn as you spend with 0.1% cashback
When you’re growing your business, every euro counts. Easily re-invest in your business with 0.1% cashback on all purchases made with your Apex Unity Mastercard. And best of all, we’ll automatically credit your account each month—you don’t have to lift a finger.
Save time and money with instant bank transfers
Use MoneyBeam to send, receive, and request money in real-time from other Apex Unity customers for free. Waiting on bank transfers from clients? Have your invoices paid out to your Apex Unity Business Standard bank account using SEPA Instant Credit Transfers to receive it in seconds. Plus, with instant push notifications for every incoming and outgoing payment, it’s easy to stay on top of your business banking.
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Breezy business banking in one nifty app
Fast and secure login
Your account security is our top priority. Protect your account details by securely logging in using fingerprint identification or FaceID.
3D Secure for online payments
Pay online with peace of mind thanks to Mastercard 3D Secure (3DS), a two-factor authentication step for confirming online purchases.
Organize your business expenses
Create personalized #tags for each of your transactions, and readily find all related business expenses with a single tap in your Apex Unity app.
Your money is protected
With our full European banking license, your funds are protected up to €100,000 by the German Deposit Protection Scheme.
Effortlessly manage your money with Apex Unity Spaces
Whether you’re putting money aside for taxes or saving up for a dream project, Apex Unity Spaces sub-accounts make it as simple as a drag-and-drop. Unlock 10 Spaces with every Apex Unity premium subscription, and automatically move funds aside every day, week, fortnight or month with Rules. Craving an extra boost? Activate the premium Round-Ups feature in a space of your choice, and steadily save up your spare change every time you pay with your Apex Unity Business Mastercard.
Upgrade now to unlock 10 Spaces
Prefer to bank from your laptop? Easy.
If you're more comfortable on your desktop, there’s no need to switch. Access your business bank account at any time via the Apex Unity WebApp.
Stress-free tax returns
Export your transaction list in CSV or PDF format from the Apex Unity WebApp, or download your bank statements directly from the mobile app.
Business banking goes premium, with 0.5% cashback
Apex Unity Business Metal is the premium account for freelancers and the self-employed wanting the most from their business. Get an exclusively-designed stainless steel Mastercard, 0.5% cashback on all your purchases, smartphone insurance, priority Customer Support, and much more.
Get Apex Unity Business Metal
Apex Unity Customer Support at your service
Need assistance? Find all the answers to our frequently asked questions in the Apex Unity Customer Support Center, or start a chat with our Customer Support specialists in your Apex Unity app. We’re here for you in English, Italian, French, German, and Spanish.
Visit our Support Center
Apex Unity Business Smart—the smart bank account for freelancers
Discover a new intuitive way to do business banking. Get 0.1% cashback on all card purchases, plus customer phone support in 5 languages. Enjoy unlimited ATM withdrawals in Italy and across the Eurozone, and get up to 10 Spaces sub-accounts to better organize your business finances.
Get Apex Unity Business Smart
A 100% digital bank account for your freelance business
Join over 7 million Apex Unity customers worldwide and discover a hassle-free solution for your business banking needs. Explore our premium subscriptions to compare our business bank accounts, or open your Apex Unity Business Standard bank account now in minutes—directly from your smartphone.The Apex Unity Standard current account includes zero fees for the maintenance of the account, the issuance of a virtual debit card and the authorization of virtual debit card transactions, ordinary SEPA transfers in Euros, standing transfer orders, SEPA direct debits, three cash withdrawals a month at ATMs in the Euro area. Fees and charges are applicable for services other than those indicated. For complete contractual and economic conditions, see the information sheets.
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The Apex Unity Business Standard bank account allows you to manage your business finances from the palm of your hands in one intuitive app. Get a virtual Mastercard for contactless payments online and in stores, and make instant payments for free using MoneyBeam among Apex Unity users. Receive incoming payments in seconds with SEPA Instant Credit Transfers, and enjoy 3 free withdrawals from any ATM with contactless functionality within Italy and across the Eurozone.
Keeping your personal and business-related expenses separate helps freelancers manage their finances more effectively. Make bookkeeping and accounting easier for yourself and your business by opening an Apex Unity Business Standard account. Plus, you’ll never have to visit a bank branch again.
Opening an Apex Unity Business Standard account takes only a few minutes and can be done directly from a smartphone. If you meet our eligibility criteria, all you need is a compatible smartphone and a valid ID document. Once we’ve verified your identity, you can add your virtual Apex Unity Business Mastercard debit card to your mobile wallet, and begin using your business bank account right away.
You’ll need to use your personal first and last name to open a Apex Unity Business Standard bank account. All Apex Unity Business bank accounts are designed for freelancers and the self-employed who run their business under their own name.
Your 0.1% cashback is automatically calculated by us for every purchase made with your Apex Unity Business Mastercard—there’s no action required from your side. We’ll deposit your cashback to your Apex Unity Business Standard account every month.
Unfortunately, you cannot hold both a personal and business bank account with Apex Unity at the same time. If you already have a personal Apex Unity account and want to open an Apex Unity Business account, you must first close your personal Apex Unity account before registering for an Apex Unity Business account.
The Apex Unity Business Standard bank account is designed for freelancers. For this reason, it’s expected that the majority of your spending will be for business purposes. However, you can also use it for personal expenses, as long as these are a minority compared to your business spending. Some examples of accepted personal use include paying rent, or for expenses incurred during your business trips.
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