How can we help?
Fin, our AI, answers most questions in seconds. Search below or browse the categories.
Getting Started
Open an account, verify your ID, and set up your app.
How do I open an Apex account?Open a UK current account in about 4 minutes from the Apex mobile app.Who can open an Apex account?Eligibility rules and accepted forms of identification.How long does verification take?Most customers are verified instantly; manual reviews take under 4 hours.How do I switch from my old bank?Use the Current Account Switch Service to move everything in 7 working days.Can I have a joint account?Joint accounts aren't available yet, but you can request money instantly.How do I add money to my new account?Top up by bank transfer, debit card, or by switching your salary.
Cards & Payments
Freeze cards, virtual cards, Apple Pay, and payments.
How do I freeze my card?Freeze and unfreeze your Apex card instantly from the app.How do I create a virtual card?Create named virtual cards for subscriptions and online checkouts.Why was my payment declined?Common reasons a card payment fails and how to retry it.How do I dispute a transaction?Raise a fraud claim or chargeback directly from the transaction.How do I set up Apple Pay or Google Pay?Add your Apex card to your phone wallet in a couple of taps.What are the payment limits?Contactless, chip & PIN, online and Faster Payments limits.
Security & Fraud
Report fraud, secure your account, and stay safe.
I think my card has been stolen — what do I do?Cancel your card instantly and get a free replacement.I've been scammed. Can Apex help?How to report a scam and when reimbursement applies.How does Apex keep my money safe?Biometrics, encryption, real-time fraud monitoring and FSCS cover.Does Apex offer 3D Secure?All Apex cards are enrolled in 3D Secure 2 (Visa Secure).What should I do if I get a suspicious message claiming to be from Apex?How to spot impersonation and what to do next.Can I use Apex if I've been a fraud victim before?Extra security controls we recommend enabling.
Fees
Everything we charge — and everything we don't.
What are the fees for international transfers?SWIFT and SEPA pricing by plan, with the real exchange rate.Are there any hidden fees?No. Everything we charge is listed on the Pricing page.How much does it cost to withdraw cash abroad?Fee-free ATM allowances by plan and what happens after.Do you charge for card replacement?Replacement card pricing on Standard, Plus and Premium.What's the overdraft fee?A £50 fee-free buffer, with no arranged overdrafts today.Are savings pot withdrawals free?Pot transfers are instant and free on every plan.
Account Management
Update details, close your account, and export data.
How do I change my phone number?Update your number from Personal details in the app.How do I change my address?Update your address and upload proof from your phone.How do I export my statements?Download PDF statements or a CSV of your transactions.How do I close my Apex account?Steps to close your account and what happens to your data.Can I have more than one Apex account?One personal and one business account under the same login.How do I contact Apex support?Chat with Fin 24/7, or reach a human by email or phone.
Still stuck?
Tap the coral chat button in the corner. Fin usually answers instantly — or hands you to a human on Plus and Premium.