Apex Unity Business Standard
Freelancers, meet your free business bank account
No hidden fees, no paperwork, and 100% mobile. Apex Unity Business Standard is your convenient business banking solution for managing your finances on-the-go. Open your free business bank account now, and start earning 0.1% cashback on all card purchases.
Risk indicator for all Apex Unity accounts.
1
/6
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.
Your free virtual debit Mastercard
Pay online and in stores with your Apex Unity Mastercard virtual card, linked to Apple Pay or Google Pay. Enjoy 2 fee-free withdrawals in Spain per month at any ATM with a contactless reader, and no extra foreign transaction fees if you pay in another currency.
Prefer the plastic version instead? Simply order a physical debit Mastercard in your Apex Unity app for a one-time €10 delivery fee.
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
Earn as you spend with 0.1% cashback
It pays to spend with Apex Unity Business Standard. Earn 0.1% cashback on all purchases made with your Apex Unity Mastercard. Best of all, we’ll automatically deposit your cashback to your free business bank account each month—there’s nothing you need to do. Investing in yourself has never been easier.
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.
Learn more
Stocks and ETFs the simple way
How about investing in your future without having to leave your banking app? Trade stocks and ETFs for free***, in just a few taps, and with as little as €1.
Discover Stocks and ETFs
Send and receive money instantly with Bizum
Bizum is now available in all Apex Unity accounts so you can send, receive and request money immediately, only with the recipient's phone number. In addition, you can also make payments through Bizum in electronic stores that allow it (available from October 5th). Open your Apex Unity account and enjoy all the advantages of a 100% online bank, now with Bizum included!
Zero hidden fees
Because you and your business deserve it. There’s no account maintenance fees, no minimum deposit fees, and no minimum balance requirements.
Mastercard 3D Secure
Add an extra layer of security to your online payments with Mastercard 3D Secure (3DS)—this two-factor authentication helps to prevent fraud.
Transactions history
You can access the history of all the movements and transactions on your account at any time from the comfort of your smartphone, as well as download your balance statements for a more detailed overview of your account’s income and expenditure.
Free instant bank transfers
Make free real-time bank transfers to other Apex Unity customers with MoneyBeam, and receive incoming payments in seconds with SEPA Instant Credit Transfers.
Mobile or web? You decide.
Whether you’re out and about or at your desk, Apex Unity is convenient. Access your free business bank account at any time from the Apex Unity app or Apex Unity WebApp for desktop.
Export your balance statement
Preparing for taxes? Export your transaction list from the Apex Unity WebApp as CSV or PDF files, and download your bank statements at any time from the Apex Unity app.
Real Customer Support—in 5 languages
Have a question? Our Apex Unity Customer Support specialists are here to assist you in English, Spanish, German, French, and Italian. Start a chat with us in your Apex Unity app, or visit our Support Center to quickly find answers to frequently asked questions.
Visit our Support Center
Invest in yourself with 0.5% cashback
Apex Unity Business Metal is much more than a premium plan for freelancers. Get a metal Mastercard and enjoy 0.5% cashback on all your purchases to give your business a boost. Plus, enjoy free withdrawals worldwide, zero foreign transaction fees in any currency, special partner offers, and extensive travel and lifestyle insurance.
Get Business Metal
Convenient business banking at your fingertips
Ready to discover why more than 7 million customers choose to bank with Apex Unity, The Mobile Bank? Compare business bank accounts below to find the perfect fit for your business, or sign up now for your free business bank account. There’s no paperwork involved—all it takes is 8 minutes, your smartphone, and a valid ID.TIN 0% and APR: 0%.
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.
*The interest rates vary based on your membership. Interest rates per membership are variable and subject to change any time. Learn more here.
**The money in your Apex Unity bank accounts — including Apex Unity Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. Trading stocks and ETFs with Apex Unity is fee-free. Note that fund issuers may charge their own ETF management fees directly.
***Trading stocks and ETFs with Apex Unity is fee-free. Product costs may apply, e.g. ETF management fees and third-party inducements.
Frequently asked questions
- use the account primarily for business purposes
- not be already an Apex Unity user
- reside in a country where Apex Unity Business is available: Germany, Austria, France, Italy, Spain, Portugal, Ireland, Greece, the Netherlands, Belgium, Luxembourg, Finland, Latvia, Estonia, Lithuania, Slovakia, Slovenia and Switzerland.
To open the Apex Unity bank account for freelancers you must:
Yes, Apex Unity Business is free to open online with no account management nor maintenance fees.
To sign up for Apex Unity Business you have to use your personal name and surname. The Apex Unity Business account is designed for self-employed and freelance users doing business under their own name. That means you can’t have your company’s name on the account or card.
Opening your Apex Unity Business Standard bank account is a quick, easy and paperless online process that takes just 8 minutes. All you need is your smartphone and a photo ID to get started—there’s no minimum deposit amount. Once we’ve verified your identity, you can begin using your free business bank account right away.
You can find our eligibility criteria and more information at our Support Center.
To open your free online Apex Unity Standard bank account, you must meet the eligibility criteria. If you do, simply sign up via the Apex Unity website, or download the Apex Unity mobile app onto your compatible smartphone.
Opening your Apex Unity Standard bank account requires no paperwork, and only takes a few minutes. Just remember to have an official ID ready—once we’ve verified your identity, your Apex Unity Standard bank account will be ready to use right away.
The Apex Unity Business Standard bank account is a flexible and free business bank account that simplifies business banking. Get a free debit Mastercard virtual card to spend in stores, online or in apps, and easily manage all your business finances in one app. You’ll also enjoy 2 free ATM withdrawals, intelligent spending analytics with Statistics, and free instant bank transfers with Apex Unity MoneyBeam and SEPA Instant Credit Transfers. For full details and availability, see our T&Cs.
If you’ll use your account for business purposes we recommend you to open the Apex Unity Business account from the beginning, as it’s currently not possible to have two separate Apex Unity accounts at the same time.
Since Apex Unity Business is an online business bank account, you’ll receive your 0.1% cashback on all Mastercard purchases directly into your account. This will automatically be deposited on a monthly basis. You don’t have to take any additional steps!
Apex Unity Business is the online bank account designed for freelancers, therefore you’re expected to use it only for business purposes. You may use it to receive payments from customers, or for spendings related to your business activity such as traveling.
Yes, Apex Unity is a collaborating entity with Social Security, which is essential to be able to process public benefits and pay some taxes, so you can process these types of benefits with Apex Unity accounts. This means that it is possible to pay some taxes from your Apex Unity account (such as self-employment tax, VAT, personal income tax, etc.), and to collect social benefits (such as pensions, sick leave, unemployment or family benefits, Minimum Living Income, etc.).
We continue to work to make our customers' day-to-day life easier through beautifully simple banking.
This means that you can receive benefits to which you are entitled to from the Spanish Social Security and SEPE directly on your Apex Unity account (e.g. pension, sick leave, unemployment, Minimum Living Income or other types of benefits). In addition, if you are self-employed or a freelancer, you can also pay your self-employment fees using your Apex Unity account.
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.
Related posts
These might also interest you
What is freelancing and how does it work?New to freelancing? Let us guide you through the intricacies of setting up as a freelancer and what you can expect after making the switch.
How much do freelancers make? A guide to the average freelancer salarySalary is a big consideration when thinking about going freelance. Read our guide to find out average hourly rates for a number of industries.
How to kick-start your freelance careerPlanning your freelance career is pivotal for winning business, knowing your goals and financial freedom. Read our freelance career plan to help you along the way.