YAPEAL Direct
Stay flexible and in control with YAPEAL. Our easy-to-use Private & Business Accounts, Cards, and Payment solutions replace manual processes, enabling you to focus on your daily routine with real-time insights, transparency, and no hidden costs.
Running a business is tough - managing finances shouldn’t be. Open a digital Swiss business account with YAPEAL in minutes. Simple, fast, and secure, so you can focus on growing your business successfully.
Business Accounts & Cards
Business Lending by Kamuno
Managing your money and family finances has never been easier. Take control of your budget in real time, make smarter financial decisions, and stay on top of your goals effortlessly. It is easy, no paperwork needed and no hidden fees.
Private Accounts & Cards: 18+
Yapini Youth: 7+
Send and receive your payments effortlessly and with your Swiss private and/or business account at YAPEAL.
Stay in full control of your finances with our easy-to-use, intuitive web app - designed to make managing your money simple and efficient.
Conduct on- and off-boarding in an instant.
Adjust spending limits on demand and instantly.
Receive real-time updates and information on usage.
Organize both private and business accounts with ease in one app.
Manage the various legal entities of your organization with only one access.
For each individual card: Set and manage spending limits, configure out-of-policy categories and geographies upfront.
Prevent fraud and misuse before it happens.
Enable your employees to assign expenses to projects, individual clients and spending categories.
Benefit from operational and capital efficiency gains with direct and instant processes.
Benefit from our cloud-native solutions that integrate easily into your ERP and HR systems, to enable fully automated processes.
Cancel anytime: No cancellation fees, as with our cards, you can cancel within minutes.
24/7 Swiss located support team.
YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.
We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.
YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank. Disclaimer: Deposit protection according to Art. 7a BankV is not guaranteed.