Finally: The first licensed Fintech in Switzerland.

Your digital wallet with Swiss bank account, the first Swiss Visa Debit Card and Mobile Pay.

#1FintechInCH

YAPEAL is a life philosophy to how you interact financially with your loved ones and your wider environment. Yap, even that can be fun! To us, you’re not just a “customer”, you’re a Yapster – and so a part of our movement and part of our loyal community.

#JoinTheMovement

Fastest Onboarding.

100% digital.

Without Video.

Done in 5 minutes.

#Realtime 

Real Yapsters.
Honest opinions.

Swiss account.

Personalised IBAN.

#YapsterStyle

Our vibes.
Intrinsically motivated.

Transparency
  • We do not work with the Yapsters’ money without their consent.
  • We have no hidden YAPEAL fees.
  • We show the fees per transaction.
  • We are candid. Delay or change in plans will be communicated frankly.
Community
  • We listen.
  • We take your feedback seriously.
  • We involve the Yapsters in future features.
  • We remain agile.
  • We don’t shy away from re-prioritizing the list of App-Features. Yapster preference will always be respected, even if it means bad press!
Financial literacy
  • Our mission is to spread financial literacy in innovative ways.
  • We enable this mission through dedicated blogs and open forum.
  • Content of such blogs and forum will be crafted by Yapsters to the community.
Security
  • We use the safest tools known to us for our Yapsters.
  • Additionally, we develop proprietary, dedicated, strongly encrypted applications.
  • We call it “YAPEAL Shield”.
Fairplay
  • Our Pricing policy is designed for our Business to thrive sustainably and not to maximize profit.
  • Community will benefit from the best possible negotiation with players in our ecosystem.
  • «Branding» is thing of the past! We focus on product marketing and financial education.
  • All decisions are made in the best interest of Yapsters.
Mindset
  • We believe curious mind is a precursor to learn new things.
  • We invest effort in achieving great things.
  • We learn from failures and improve our business and products.
  • We identify our weaknesses and turn them into strengths.
  • We love challenges.
  • We cultivate a respectful way of dealing.

Artist.
Musician.
And Yapeal.

YARTIST.

Damian Lynn

As I am now also travelling abroad a lot, I appreciate the great exchange rates – I don’t have to worry about anything.

Oibelart

YAPEAL is practical, simple and transparent…

Lerocque

The concept of Yapeal convinced me right away.

Pedro Martin Rojo

My dream has always been to democratize art.

Pull N Way

Since I travel a lot, Yapeal is the best solution for me. #Yapealismyfuture

Siddharta El Primero

YAPEAL catches the spirit of the age…

You want it too.

And this is a good thing.

Mindset.

If our vibes and attitude do not resonate with you, we part ways here. If we have not convinced you by now, you’d be scrolling further in vain.
For everyone else…

Our ecosystem.

All
Finance

Vontobel

Finance

VISA

Technology

Google

Beyond

Sunrise

Technology

Marqeta

Technology

Swisscom

Technology

Futurae

Finance

KYC Spider

Technology

Vereign

Technology

Andreas Garzotto GmbH

Technology

SaaScada

Finance

tag nitecrest

Finance

GWP

Finance

GoCompliant

Finance

Apple Pay

Finance

Google Pay

Finance

Samsung Pay

Beyond

Digitalkultur

Beyond

Meltwater

Finance

Vontobel

Vontobel brings Swiss tradition and long-standing corporate responsibility to the “New Normal”. Together we are creating a sustainable path to the future. #SwissHeritage

As a globally active client-focused investment bank with Swiss roots, Vontobel is shaping the future through its own efforts. As a company, it creates opportunities and pursues them with determination. It masters what it does – and only does what it masters. In this way, it helps its clients and partners to move forward.

Finance

VISA

The future of payments begins with your own big idea. With Visa we have turned our idea into reality. #VisaDebit

With Visa, together we are creating the next big thing. With their broad payment knowledge and international network, they can implement tomorrow’s digital payment solutions that seemed impossible only yesterday.

Technology

Google

With Google’s highly secure and highly available cloud solution, we can be reached anytime, anywhere. #RealTime

A cloud for Switzerland. With the Google Cloud Platform in Zurich, Google ensures that European companies have access to a secure, reliable cloud located in Switzerland around the clock.

Beyond

Sunrise

With the fastest network in Switzerland, Sunrise provides the basis for digital and cashless payments, and more… #BetterTogether

As the largest non-state-controlled telecommunications company in Switzerland, Sunrise offers its mobile, Internet, TV and fixed network services to private and business customers and is an innovative pioneer in future topics such as 5G, Internet of Things and mobile working.

Technology

Marqeta

Marqeta is in the process of rewriting the rules for what is possible with payment cards. #Yapsterstyle

Marqeta’s open API platform has the most advanced infrastructure and tools for creating highly configurable payment cards and is designed for developers who want an easy way to manage payment programs to create world-class experiences, innovate and drive new forms of commerce.

Technology

Swisscom

A complete payment experience for national and international payments. With Swisscom’s access to the worldwide payment traffic networks, we have achieved exactly that. #TheWayToPay

Swisscom’s Financial Messaging Service Bureau is the reliable access to local and global payment transaction networks for the secure processing of financial transactions for financial institutions. The highly scalable services are developed, implemented and operated entirely in Switzerland.

Technology

Futurae

Passwords alone are no sufficient to protect the Yapsters against hackers, Futuare provides the trusted and invisible security solution for this in the YAPEAL Shield. #StaySecure

Futurae enables more secure user access to all devices and applications. Strong Customer Authentication (SCA) made easy with smooth and secure authentication for digital business.

Finance

KYC Spider

With KYC Spider we optimise our compliance processes with digital Know-Your-Customer (KYC). #DigitalKYC

KYC Spider offers digital compliance services and eKYC solutions to banks, fintechs and industry to securely verify customers and suppliers.

Technology

Vereign

Vereign provides us with a simple tool that allows us to recognise which emails and documents are genuine. #AgainstFraud

Vereign allows you to sign and securely share documents. With Vereign, each user creates his or her own personal trusted network for the secure handling of data on the network.

Technology

Andreas Garzotto GmbH

The image recognition developed by Andreas Garzotto GmbH in our mobile apps ensures easy user guidance and recording of documents during the registration process. #SmoothOnboarding

Andreas Garzotto GmbH develops software and ensures with consulting, coaching and project support that customer projects work from the idea to the finished product. They prefer to implement their own products together with partners.

Technology

SaaScada

For a startup a quick time to market is essential, SaaScada offers hand to achieve this. #TimeIsMoney

SaaScada supports companies in the rapid establishment and introduction of financial services. The cloud-native platform of open APIs enables new market entrants to launch banking services and helps existing financial services providers reduce the cost of running a bank.

Finance

tag nitecrest

Despite all the digitality, the physical card in the hand is still a special feeling. Tag nitecrest produce and ship our cards direct to your home. #WelcomeYapster

Tag nitecrest is an award winning global card manufacturer and expert in providing innovative, secure and high quality financial or EMV cards.

Finance

GWP

With the support of Geissbühler Weber & Partner (gwp) as the specialist GWG office, we ensure compliance with the obligations within the scope of the fight against money laundering and the fight against terrorist financing. #BeCompliant

Geissbühler Weber & Partner is one of the leading specialists in the field of compliance. The company advises financial service providers on the fulfilment of requirements under financial market law with a focus on risk management, regulatory and contract law, licensing, finance and technology.

Finance

GoCompliant

Modern, clear and powerful. With the IKS-Tool of GoCompliant we control our internal processes. #ProcessUnderControl

The modular solution of GoCompliant offers a solution for internal controls (ICS), management of operational risks and processes, action tracking and compliance. This is done with direct involvement of line management and end users in an integrated interface.

Finance

Apple Pay

With Apple Pay, we offer a way to pay quickly and securely with your Apple smartphone. #AppleWallet

Apple Pay is a fast, easy payment method – online and in stores, for all Apple smartphones.

Finance

Google Pay

With Google Pay we offer a way to pay quickly and securely with your Android smartphone. #GoogleWallet

Google Pay is a fast, easy payment method – online and in stores, for all Android smartphones.

Finance

Samsung Pay

With Samsung Pay we offer a way to pay quickly and securely with your Samsung smartphone. #SamsungWallet

Samsung Pay is a fast, easy payment method – online and in stores, for all Samsung smartphones.

Beyond

Digitalkultur

Make – measure – adapt – continue. With the support of digital culture, we ensure that our customers are addressed on the right channel, in the right tone. #SocialMediaBuzz

As a web and online marketing agency with heart, Digital Kultur fills the glass with simple and powerful solutions.

Beyond

Meltwater

Meltwater helps us to observe, understand and influence the world around us. #KnowledgeIsPower

Meltwater is a software-as-a-service company that develops and markets media monitoring and business intelligence software.

Press. Click.