Your use of BankApply (hereinafter also the App) or Services is the indication that you accept these terms of service (hereinafter Terms) and that you agree to abide by them. If you do not agree to the Terms, please refrain from using the App. It is prohibited to use the App and the Services without accepting the Terms. BankApply may amend the Terms at any time by making Terms available at the For example, BankApply may make amendments if it should become obligated to comply with Money Laundering and Terrorist Financing Prevention Act. When you accept the Terms, a legally binding agreement (hereinafter Agreement) is concluded between you and BankApply. The most current version is always available at

1. Definition

  • Client – a person who uses BankApply to apply for the bank account in Europe.
  • Bank – a licensed bank or financial institution in Europe which provides banking services.
  • Dashboard – an area on the BankApply user area where the Client can see progress of the account application.
  • Services – all products, services, content, features, or functions offered by BankApply and all related websites, applications (including the App), and services (including the Website and API).
  • BankApply - means the application software, the data supplied with the software and the associated media.

2. General

  • Using BankApply does not guarantee a successful account opening in Europe. The end result and desired outcome is dependent on the client profile and the Bank’s internal decision making policies.
  • BankApply will need to share your data with the Banks in order to submit applications. By accepting these terms you accept that BankApply will shareh our data with third parties.
  • All information you provide to us must be complete, accurate and truthful at all times. You must update this information whenever it changes. BankApply is not responsible for any financial loss arising out of your failure to provide accurate information. BankApply has the right to ask you to confirm if the information provided by you is up to date and accurate.
  • BankApply may change the scope of the Services or stop providing the Services at any time.
  • BankApply may update the content at the app and the app itself any time.

3. Privacy Policy

  • By using the BankApply and agreeing to these Terms you also agree to be bound by BankApply’s Privacy Policy. BankApply may change Privacy Policy on the same conditions as it may change these Terms.

4. Right of representaion and authorization

  • If you are not a consumer, you confirm that you have authority to bind any business or entity on whose behalf you use our Services, and that business or entity accepts these terms.
  • BankApply may ask and you will be obligated to provide the documentation that verifies that you are a legal representative of the Client.

5. Liability

  • BankApply is not liable for any damage caused to you via the BankApply. If BankApply should be liable to damage caused by you according to the applicable laws, you and BankApply agree that the liability of BankApply shall be limited to 1000 (one thousand) euros.
  • The client understands that any loss of data while using the BankApply does not make BankApply liable for the loss of data, and no monetary compensation follows.
  • BankApply shall not be liable for any damages, including any indirect, punitive, or special damages (including loss of business, loss of profits, use of data, or other economic benefits, including, without limitation, any indirect, punitive, special damages), whether or not they arise out of or are in connection with a breach of this Agreement (including breach of warranty) or infringement, even if the possibility of such loss has been previously notified. In addition, if the exclusive relief provided for in this Agreement does not meet its basic purpose, the liability of the BankApply for such loss shall be excluded.
  • BankApply will not be liable for damages if the App does not function properly and you are unable to use the BankApply or the Services, including but not limited to:
    • during the period of App downtime announced by BankApply on the Site.
    • the failure of telecommunications equipment causing failure of data transmission.
    • power outages, war, terrorist attacks, and other force majeure factors resulting in App systems not being able to carry out the business.
    • if the damage is caused by a virus, or other technological attacks.
    • service interruptions or delays due to hacker attacks, technical adjustments or failures in the telecommunications sector, App upgrades, banking problems, and so on.
    • You commit to us that your usage of the BankApply does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section.

    6. Intellectual property rights

    • All contents of this Site, including but not limited to works, images, archives, information, materials, information on Site, Site layout, design of the Site, are owned by BankApply in accordance with the law, including but not limited to trademark rights, patents, copyrights, trade secrets and so on.
    • No person shall use, modify, reproduce, publicly transmit, alter, distribute or publish the contents of this App without the written consent of BankApply.
    • Respect for intellectual property rights is your duty, and if there is any breach, you shall bear the full liability for damages. You agree to respect all copyright, property rights and other legal notices and information of BankApply, Services, or Marks accessed through the App or the Services. You agree not to change, translate, or otherwise create derivative works of the Services.
    • You are not allowed to use BankApply trademark, logo, domain name, etc. without prior written consent from BankApply.
    • While you are using the Services of BankApply, you may use the BankApply materials only for your personal use and solely as necessary in relation to those Services.
    • Content uploaded by you remains your property and is protected, without limitation, pursuant to applicable intellectual property laws.

    7. Data processing

    • “GDPR” means Regulation 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).
    • “Personal Data” means any information relating to an identified or identifiable natural person (as defined in the GDPR) that Customer provides to BankApply as part of the Services.
    • “Process” or “Processing” means any operation or set of operations which is performed by BankApply as part of the Services on Personal Data or on sets of Personal Data, whether or not by automated means.
    • “Processor” and “Controller” shall have the meanings given in the GDPR.
    • The data shall be retained in personal form for the duration of the business relationship and, once terminated, during the term applicable by law or regulations to which we are subject to the retention of the specific data.
    • BankApply does not sell or rent user data to third parties. BankApply collects data so that you could use the Services.
    • The personal data collected by BankApply is not transmitted to countries outside the European Union or to countries that lack personal data protection legislation in compliance with the standards of the European Union. Data is stored in servers located in a European Union member state.
    • BankApply is using cookies in our web service. Cookies are small pieces of information that are stored by your browser on the hard drive of your device. Cookies allow BankApply to check whether you are logged in and which are your preferred usage settings.
    • You may disable cookies in your web browser and delete the cookies that have already been saved. However, in such a case we are not able to guarantee the flawless functioning of the Services.
    • You reserve the right to demand access, correction and deletion of the data collected with your consent at all times.

    8. Applicable law and jurisdiction

    • You understand and accept that the relationship between you and BankApply shall be governed in all respects by the laws of the Republic of Estonia without regard to its conflict of law provisions.
    • Any disputes arising out of this Agreement shall be settled in Harju County Court pursuant to the laws of the Republic of Estonia.

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