Apex Unity Smart — the clever everyday bank account
This plan has intelligent features that give you more control of your spending, saving, and budgeting.
Risk indicator for all Apex Unity accounts.
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Apex Unity is a member of the German Deposit Guarantee Fund. The fund guarantees deposits up to 100,000 euros per account holder and entity.
Make every trip pay off
Get 1% back when you pay abroad with your Apex Unity Go
or Metal card, with no limit to how much you can earn!
This cashback applies whenever you use
your card outside the European Economic Area,
UK, and Switzerland — for up to 12 months. Get an additional 0.1% cashback on card payments
with Apex Unity Business Go and 0.5% with Business Metal.
Open an account
The power is in your hands
Here’s an at-a-glance look at the pro tools you get with Smart.
Every cent in its Space
Stay organized with up to 10 Spaces sub-accounts. They’re great for dividing your money to save for specific goals, or setting aside funds for expenses.
Discover Apex Unity Spaces
Investing made simple
Trade stocks and ETFs for free**** in your banking app. Start investing in a few taps, and with as little as €1. You can also buy and sell 350+ crypto coins***. Want to build your portfolio faster? Upgrade to Apex Unity Metal to get lower fees for crypto.
Discover investing
Plastic or pixels — why not both?
Paying is easy, whichever card you use. You get a free physical Mastercard debit card with Apex Unity Smart, in addition to a free virtual card you can add to your digital wallet immediately.
Show Mastercard
Travel the world with one eSIM
Set up your travel eSIM once and get affordable data for 100+ destinations.
Get travel eSIM
TIN 0%, AER: -1.17% for a scenario in which a daily balance of €5,000 is maintained consistently for 1 year, applying an annual nominal interest rate of 0% and the monthly cost of the account of €4,90/month. The settlement of the account is made monthly.
Apex Unity Bank AG, Sucursal en España with NIF W2765098E, is a permanent establishment in Spain of the German entity Apex Unity Bank AG, registered at the Bank of Spain with entity number 1563 and head office at Paseo de la Castellana 43, 28046, Madrid. Apex Unity Instant Savings account from 0 euros and without limit of amount.
*Eligible spending: Detailed T&Cs for customers who open an account between July 17 and October 15 can be found here: https://apexunityinc.com/hb-tc. Detailed T&Cs for customers who sign up before July 17 can be found here: https://apexunityinc.com/hb-ex.
For new customers: Eligible transactions include e-commerce transactions classified under travel-related Merchant Category Codes (MCCs) by the merchant’s payment processor. Apex Unity does not control these codes, and some travel-related merchants may not qualify. Also included are point-of-sale, in-person transactions outside the customer’s country of residence during the first 30 days after signing up for the promotion. New customers have until October 15, 2025, to open an Apex Unity Go or Apex Unity Metal account and until October 31, 2025, to sign up for the promotion. Cashback (1%) will be credited to your main account 30 days after the promotion ends.After the initial 30 days, new Apex Unity Go and Apex Unity Metal customers will automatically earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area (EEA), UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For existing customers who signed up before July 17: This offer is exclusive to Apex Unity Go and Apex Unity Metal customers. Customers who downgrade will lose the cashback offer. Apex Unity Go and Apex Unity Metal customers will earn 1% cashback on point-of-sale, in-person transactions made outside the European Economic Area, UK, and Switzerland for up to 12 months. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
For new and existing Apex Unity Business customers: The 1% cashback on the eligible transactions mentioned above comes in addition to the regular purchase cashback of 0.1% for Apex Unity Go Business and 0.5% for Apex Unity Metal Business. Cashback will be credited to your main account every 30 days. Apex Unity reserves the right to end the cashback at any time with a 14-day notice.
**The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here.
***Investing in crypto-assets is not regulated, may not be suitable for retail investors and the full amount invested may be lost. It is important to read and understand the risks of this investment which are explained in detail at this location: apexunityinc.com/en-es/crypto-risks. The statements above do not constitute investment advice or any other advice on financial services or financial instruments. The values and returns depicted above in the images are fictional and are for illustrative purposes only.
****All investments carry a risk of loss of principal. Equities, ETFs and Ready-made funds can be subject to large fluctuations in value. The amounts invested are not guaranteed and a complete loss of the investment is possible at any time. Past performance is neither a reliable indicator nor guarantee of future performance. These products are not suitable for all investors, and clients should ensure that they are sufficiently well-informed before carrying out any transactions. The information contained in this message is intended for general purposes only and does not constitute investment advice or any other advice regarding financial services or financial instruments (Equities, ETFs and Ready-made funds). It also does not constitute an offer to enter into a contract for the purchase or sale of financial instruments. The service of receiving and transmitting orders for financial instruments is exclusively available to clients of Apex Unity Bank AG. The Apex Unity broker service is provided via the Apex Unity app in partnership with and through Upvest Securities GmbH.
Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
- You’re at least 18 years old
- You’re a resident of one of the supported countries
- You have a compatible smartphone
- You don’t have an account with Apex Unity yet
- You have a supported ID document on hand, which is valid in your country of residence
- You’re able to verify yourself in one of our supported languages: English, German, Spanish, Italian, or French
Simply open your Apex Unity Smart bank account via the Apex Unity app on your smartphone or using the Apex Unity web app on desktop. You must meet the following criteria:
To open your Apex Unity Smart bank account, you must meet the eligibility criteria. If you do, you can simply register via the Apex Unity web app on desktop or the Apex Unity app on your smartphone. It takes just minutes to open a bank account, and there’s no paperwork involved. You may start using your account right away once your identity is verified.
For more information on how to open your Apex Unity Smart account, and a list of your required documents, visit our Support Center.
You can open your online bank account with Apex Unity in minutes from your phone or the Apex Unity web app. There’s no paperwork or waiting times. But best of all: once your Apex Unity bank account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
Apex Unity Smart is a bank account that comes with a physical Apex Unity Mastercard debit card, up to six virtual cards, and three free domestic ATM withdrawals per month. As an Apex Unity Smart customer you’ll also have access to innovative banking features that make saving and managing your finances easier. Thanks to Insights, you’ll also always have a detailed overview of all your spending.
Budgeting and saving is simple with Apex Unity Smart. Create up to 10 sub-accounts with Spaces, including Shared Spaces to save and spend with others. You can even link a virtual card to a Space to spend directly from it.
With Apex Unity Smart you can also have a flexible Instant Savings account that lets you grow your money and access it when you need it. Interested in investing? Build your portfolio with crypto, stocks and ETFs right in your Apex Unity app.
You can find the full details in the Apex Unity Smart Terms and Conditions.
The Apex Unity Smart bank account is a yearly subscription and costs €4.90 a month.
Apex Unity Spaces are sub-accounts that sit alongside your main account, giving you an easy way to manage your finances. As a Smart customer, create up to 10 Spaces sub-accounts in an instant, and effortlessly put money aside for your savings goals, upcoming expenses, or even an emergency fund.
Try using Rules to automatically set your bill money aside to a Space. With your monthly expenses taken care of, you can relax knowing that you won’t overspend in your main account. You can also link a virtual or physical card to a Space to make payments directly from it.
If you want to save and spend as a group, simply create a Shared Space, and manage funds together with up to 10 other Apex Unity customers. Find out more about Spaces and Shared Spaces here.
You can only have one active Apex Unity account in your name. Currently, it’s not possible to have two Apex Unity accounts under the same name. This means that you can’t have a private Apex Unity bank account and an Apex Unity business account at the same time.
Apex Unity offers a free account switching service through our partner, finleap connect. Requesting to switch takes only 10 minutes, and you can switch your bank account to Apex Unity from almost every bank in Spain. To learn more, head to our account switching service page.
Do you love your Apex Unity online bank account so much that you want to invite friends to discover the benefits too? In Spain, you can invite others to Apex Unity and receive a bonus if they open an account. Go to My account > Useful actions > Invite your friends in your Apex Unity app to get your invite link and learn more. Share your link with anyone you want to introduce to Apex Unity, so they can use it to open their new bank account. Find more information on our website.
Looking for a bank account that includes a credit card? This isn’t something that we offer at the moment — our online bank accounts come with debit cards. With an Apex Unity debit card, you can pay online, in apps, and in stores, as well as withdraw cash free-of-charge at ATMs throughout Spain. Link your Apex Unity card to Apple Pay or Google Pay and easily pay with your phone. Just like a credit card, your Mastercard debit comes with a card number, CVC, and expiration date, but there are also a few differences. Learn more in our guide.
Our Apex Unity Smart account includes a physical Mastercard debit card, available in your choice of five colors. Plus, you can also get a free virtual card with its own card number — for even more safety when you’re shopping online.
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