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
Hand holding a transparent debit card from Apex Unity.
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.

All in one app

Apex Unity combines everyday banking and investing in a seamless way. That means you can manage your stocks, ETFs, and crypto portfolios without having to download another investment app. With Apex Unity, all the tools you need to build your financial wealth are in one place.

Hand holding a mobile with the Apex Unity app open and showing the account balance and Stocks and ETFs balance.

Apex Unity Standard— free account, no commissions, and with Bizum

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. You can send, receive and request money immediately with Bizum, Plus, enjoy 2 free ATM withdrawals per month within the Eurozone.
Get Apex Unity Free account
Image of Apex Unity app with a virtual card.

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. 

Mastercard

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. 

Discover your Mastercard

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 Bizum. Plus, easily transfer money to other Apex Unity customers via MoneyBeam. 

Descubrir la tarjeta Mastercard
Mastercard SecureCode - Icon - Apex Unity Security

3D Secure for online payments

Shopping online? Your free bank account is equipped with Mastercard’s 3D Secure (3DS)—an advanced two-factor authentication step that keeps your money safe.

3D Secure

Split the bill

Choose between splitting the bill evenly or assign custom amounts to each person, so everyone pays their fair share.

Split the bill

Grow your savings

With Apex Unity Instant Savings, your savings can earn you interest* — and you can still dip into it whenever you need. No minimum or maximum deposit limits**. Join Apex Unity and start growing your savings
Start saving now
Woman dressed in blue, sitting, and holding her cell phone with the Apex Unity application open. In the foreground, balance in the main account, and in the savings account.

Your money is safe with deposit protection

Apex Unity is a German bank operating in Spain with a full European license, giving you the best of both worlds. Get a Spanish IBAN for all your local payments, and rest assured with the German Deposit Protection Scheme—the funds in your free bank account are guaranteed up to €100,000.

Switch banks the easy way with Apex Unity

We’ve partnered with finleap to make switching accounts easier than ever. Here’s how it works:
  1. Open an Apex Unity account on the Apex Unity mobile or web app
  2. Head to My Account and scroll to Switch to Apex Unity. Alternatively, use the Apex Unity bank account switching website, and log in with your old bank details.
  3. finleap will automatically recognize your direct debits, incoming payments and standing orders—simply select the ones you want us to transfer to your Apex Unity account.
  4. Confirm the account switch—and you’re done!
Switch banks now
Laptop with desktop version of Apex Unity on a black table.

Find a plan for you

Apex Unity Standard

The free* online bank account

The Apex Unity virtual card.
Virtual Card

€0.00/month

  • A virtual debit card

  • Free payments worldwide

  • Deposit protection

Open free bank account

Apex Unity Smart

The bank account that gives you more control

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

€4.90/month

  • Free Virtual Card

  • Up to 10 Spaces sub-accounts

  • Support Center phone number

  • Round-ups

Open Apex Unity Smart account
POPULAR

Apex Unity Go

The debit card for everyday and travel

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.

€9.90/month

  • Up to 5 free withdrawals in the Eurozone

  • Flight and luggage delay cover

  • Medical emergency cover

  • Winter activities insurance

  • Pandemic coverage

Open Apex Unity Go account

Apex Unity Metal

The premium account with a metal card

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

€16.90/month

  • An 18-gram metal card

  • Up to 8 free withdrawals in the Eurozone

  • Purchase protection

  • Phone insurance

  • Dedicated Apex Unity Metal line

Open Apex Unity Metal account

300,000+

5-star app ratings

1,500+

Team members

FAQs

    Apex Unity is the first 100% mobile bank to be granted and operate with a full German banking license from BaFin. That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

    Apex Unity Standard is a free bank account. There are no account maintenance fees or minimum deposit amounts for this online account. Apex Unity Smart, Apex Unity Go, and Metal premium accounts cost a monthly fee. For more information, visit our website to compare accounts.

    To open an Apex Unity bank account, you must meet the eligibility criteria and an official identity document accepted in the country where you live. 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 a few 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.

    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. See the list of valid documents here.. 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.

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

    Opening a bank account online with Apex Unity is simple. Just head to your app store and download the Apex Unity app. Then, create your account and choose between an Apex Unity Standard, Smart, Apex Unity Go, or Metal plan. After that, you’ll need to verify your identity during a brief call with us. Once that’s done, pair your account with your smartphone and start spending and saving the Apex Unity way!

    Once you have successfully completed the Apex Unity account sign-up process, you will immediately have access to your virtual Apex Unity debit Mastercard on your smartphone. Link this to Google Pay or Apple Pay to start spending immediately. If you ordered a physical card or your account includes one automatically, this will typically arrive via post in 5 to 7 business days.

    Yes. You can use any of our Apex Unity plans, as long as your account has a Spanish IBAN (starting with ES) to make and receive payments from Spain’s Social Security. This includes both our free and premium personal and business accounts.

    You can easily switch your bank account to Apex Unity from almost every Spanish bank! Just type in the name of your current bank, whether it’s Bankia, BBVA, Santander, ING, Sabadell or CaixaBank. Discover how to switch banks with our tool to facilitate the process.

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The online account with clever features — Apex Unity Smart.
The online account with clever features — Apex Unity SmartChoose Apex Unity Smart for an online bank account that gives you more control over your money. Spend, save, and budget with confidence in a convenient online account that includes flexible savings, spending insights, budget automations, and much more.
Free bank account — Apex Unity Standard.
Free bank account — Apex Unity StandardJoin Apex Unity and get a free online bank account that’s perfect for your everyday banking needs. It comes with a free virtual card you can use right away, two free monthly ATM withdrawals, and 24/7 chat support.
An Apex Unity Metal card displayed on a black background, with the Apex Unity logo positioned in the frontground.
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