Open a bank account online in minutes

Ready for a bank account you’ll actually love? Then you’re ready for Apex Unity. Transfer, receive, and manage your money right in your Apex Unity app. Open your dream bank account in minutes—directly from your smartphone. No paperwork, stress, or waiting times. Just intuitive, easy mobile banking that works.
Open Bank Account
Image showing a person with an Apex Unity debit card and the Apex Unity app displaying the account feed with the list of transactions.
Sign up

Hit the button below and enter your personal details in order to create your account.

Verify your identity

Please have a valid ID at hand. We don't have branches so you can verify your identity within the app.

Add your card to your wallet

Your Apex Unity virtual debit card is ready to use.

Enjoy your Apex Unity account!

You're good to go! You can already top up your account and start using your virtual card.

Apex Unity Standard—your free bank account

Get a free bank account in minutes and easily manage your money right from your phone. You’ll get intuitive features like Apex Unity Insights that give you more control over your finances, and push notifications for every transaction. Plus, enjoy 3 free ATM withdrawals per month within the Eurozone.
Open Bank Account
Standard Apex Unity card on top of a brick with Forbes best bank logo.

More than an app: 
A fully licensed bank

Apex Unity is a fully licensed German bank. That means we have the same security regulations as any other bank. It also means your funds are protected up to €100,000 by the German Deposit Protection Scheme. But our security measures don't stop there.
Image showing a mobile phone with Apex Unity spaces app inside a security badge.

Apex Unity features you’ll love

Get a virtual or physical debit Mastercard

Your debit Mastercard is accepted worldwide and offers zero foreign transaction fees—as well as SecureCode authentication for extra security.

Virtual card

Connect your virtual card to Apple Pay or Google pay, and start spending right from your mobile wallet the minute you open your account.

Budgeting tools

From instant push notifications to spending limits to in-depth features like Apex Unity Insights, you’ll have all the tools you need to stay within budget.

Instant payments

Send or receive money 24/7, and top up your account in seconds with instant payments. Plus, easily transfer money to other Apex Unity customers via MoneyBeam.

Apex Unity accounts — your money deserves an upgrade

Apex Unity Standard

The premium bank account with a metal card

Transparent Apex Unity Standard card.
Virtual Card

€0.00/month

  • Up to 3 free ATM withdrawals in the eurozone

  • Free SEPA transfers

  • A virtual Mastercard debit card

Open free bank account

Apex Unity Smart

The bank account that gives you more control

Apex Unity You card, Rhubarb.
Apex Unity You card, Petrol.
Apex Unity You card, Wheat.
Apex Unity You card, Ash.
Apex Unity You card, Teal.

€4.90/month

All benefits of Apex Unity Standard, Plus

  • Up to 10 Spaces sub-accounts

  • Free instant SEPA transfers and a free physical card

  • Customer support hotline

Open Apex Unity Smart account
POPULAR

Apex Unity Go

The debit card for everyday banking and travel

Apex Unity You card, Petrol.
Apex Unity You card, Wheat.
Apex Unity You card, Rhubarb.
Apex Unity You card, Ash.
Apex Unity You card, Teal.

€9.90/month

All benefits of Apex Unity Smart, Plus

  • Free ATM withdrawals worldwide

  • Free instant SEPA transfers and a free physical card

  • Travel insurance

Open Apex Unity Go account

Apex Unity Metal

The premium bank account with a metal card

Apex Unity Metal - Charcoal Black.
Apex Unity Metal - Slate Grey.
Quartz Rose - Apex Unity Metal Card.

€16.90/month

All benefits of Apex Unity Go, Plus

  • 18-gram metal debit card

  • Exclusive mobile phone insurance

  • Purchase protection

Open Apex Unity Metal account

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. Advertising message for promotional purposes. Please see the Terms & Conditions for more information.

FAQs

    To open an Apex Unity bank account, you must meet the eligibility criteria. If you do, you can simply register via the Apex Unity WebApp on desktop or the Apex Unity app on your smartphone. It only takes 8 minutes to open a bank account, and there’s no paperwork involved. You can start using your account right away once your identity is verified. For more information on how to open your Apex Unity account, and a list of your required documents, visit our Support Center.

    You’ll need to be at least 18 years old to open a bank account with Apex Unity.

    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.

    Apex Unity Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. However, if your balance is over €50,000, you may be charged a 0.5% p.a. Deposit Fee on this balance. Read more about this in our General Terms and Conditions. Apex Unity Smart, Apex Unity Go, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.