Frequent asked questions

Are multiple DeepBox verifications possible?

You will be verified as a person once at YAPEAL, if you want to verify multiple companies you can do this with the same YAPEAL account. If you are logged into the YAPEAL app, you can scan the QR code directly at DeepBox. If you don't have access, you can log in again and then scan the code.

Can I make international payments with YAPEAL?

Yes, by working with WISE you have the opportunity to make cheaper and faster international transfers. You don't even need to leave the YAPEAL app: Thanks to full integration, you can easily transfer money to over 80 countries!

Can I open a 3A pension account with YAPEAL?

We can offer you an attractive pension 3a solution from our partner Vontobel at optimal conditions. Depositing, standing orders and making provisions has never been so easy.

Does YAPEAL offer accounts in other currencies (Euro, Dollar)?

No, currently we offer a Swiss account in the national currency CHF.

Does YAPEAL have depositor protection like traditional banks?

No, as YAPEAL is subject to the Fintech license, the law does not provide such depositor protection. We are required to deposit 100% of your money - we do this with the Swiss National Bank.

This means that we are not allowed to engage in risky transactions, investments or other forms of working with your money.

How and when can I change my business subscription?

Upgrades or changes to a higher offer are possible at any time and will be activated immediately. In the event of an upgrade, any amount already paid will be refunded pro rata and the new amount debited.

Downgrades always take effect at the end of the paid period.

In the case of downgrades, it must be taken into account that the previous number of accounts may no longer be available and must be closed in advance.

Does YAPEAL offer mobile payments?

Yes, you can add your YAPEAL card to Apple Pay, Samsung Pay or Google Pay.

How and when can I change my subscription?

Upgrades are possible at any time and are activated immediately. Downgrades always take effect at the end of the paid period. When upgrading, your already paid amount will be refunded pro rata and the new amount will be charged.

How can I access my account if I lose my phone?

Install the YAPEAL apps on your new device and log in as an existing Yapster. Our sign-in process meets the highest security standards and ensures that only you can access your account - when and where you want. And if you have two mobile devices, you can use YAPEAL on both.

How can a Yapini account be opened?

A Yapini account can be opened by a parent or guardian. For this purpose, an active private account with the Private or Private+ price plan of the person with parental authority is required. The process for opening the Yapini account can be started directly in the app.

How can I cancel a bank transfer?

Once the transfer has been sent, only Wise Support can make a cancellation. If the money has already been sent to the recipient, a cancellation is no longer possible. If you want to cancel a transaction, it is best to contact Wise or YAPEAL support quickly with a screenshot of the payment.

How can I change my card PIN?

PIN changes are currently not possible; ATMs do not support the process for our cards. If you forget your PIN, you can easily look it up in the app: Click on the card icon at the bottom and then on " View PIN".

How can I contact YAPEAL?

You can contact our support directly in the app via the shake function or in the settings under Support Center. We are also available by email at

Please note that we are only available by phone for card or device blocking.

How can I close my YAPEAL account?

You can close the account directly in the settings under Legal. During the process you can specify an IBAN for the transfer of the remaining balance.

Important: Your account cannot be reactivated or a new one opened at the current time after the closure.

How do I contact YAPEAL if I am interested in BaaS?

We will be happy to answer any questions you may have about BaaS at the following e-mail address

How do I export documents?

The account history of the desired period can be downloaded in PDF or CSV format in the transaction view via the 3 dots in the upper right corner. This option is also available in our web application, moreover, the format Camt.053 can be downloaded there

How do I add an employee/delegate?

In the business account view you can click on the black bar "Nominate delegate" in the menu under Employees/Delegates and then enter the person's data. Please note that the data must be analogous to the identity document.

How do I open a business account through DeepBox?

You can open an account on the DeepBox landing page. Once you have registered with DeepBox and your account is verified, you can submit an account query to DeepBox and then set the IBAN. Requesting the personal IBAN triggers the account opening in the YAPEAL app. After entering the desired IBAN, the partner who performed the verification will receive a message to continue the process through the app.

How do I assign rights?

In the business account view, you can add team members via menu under “Cash Accounts" top right 3 points. If the employee is already identified, it will appear for selection, otherwise an invitation must be sent. Each invitation or change generates a task for confirmation for the partners.

How do I open a business account?

To open a business account, an active private account is generally required. Once the private account is activated, the business account opening process can be started in the app. A business account can only be opened for companies domiciled in Switzerland - it is important that the control holders are also domiciled in Switzerland or in one of the five neighboring countries.

**You don't want to open a private account? **

If you are a corporation, a limited liability company or a registered sole proprietorship, you can fill in this form and we will send you the corresponding invitation for the opening.

How do I order a card?

Once a business account is opened, one or more card programs can be created. In this, VISA debit cards for employees (physical or virtual) can be ordered. See video link

The particular card program can be configured in the app, in the company view under the card icon in the lower right corner.

How does the account activation work for an AG or GmbH?

For a limited liability company or a public limited company, it is necessary to make an initial deposit from an account in the name of the company in order to activate the business account.

**I do not have an existing company account ** If there is no existing company account for the initial deposit, contact support directly. These cases will be considered individually.

How does the account activation work for a sole proprietorship?

To activate the business account, an initial deposit from a bank account in your name is required. For regulatory reasons, we require such a transaction to complete the identification and activate the business account.

How long is a started company verification valid?

A started verification is valid for 30 days. If the process is not completed after that, it must be restarted.

How does the DeepBox verification work?

Once DeepBox is created, you can scan the DeepBox QR code with your smartphone. This will take you directly to the App Store / Play Store to download the YAPEAL app. If you already have the apps installed, you will be taken directly to the identification process. The rest of the process is done directly in the app.

How long will it take to receive my YAPEAL (VISA Debit) card?

We normally expect a delivery time of 8-10 working days. Under certain circumstances, shipping may take a little longer in individual cases. If your card has not arrived after 10-15 days, please contact our support directly in the app.

The virtual card is directly available after account activation and can be used immediately via mobile payment (Apple Pay, Google Pay, Samsung Pay).

Identification of the persons

To verify the company, the first step is for the authorized signers to identify themselves. All persons who come into contact with the business account are previously identified as a person via the Verify app.

_(For the identification of the private person, it is relevant that the private domicile address is provided). _

Is it possible to open an account with residence abroad?

YAPEAL offers the possibility to open an account for cross-border commuters or Swiss citizens living abroad in one of our 5 neighboring countries.

Onboarding requires a biometric passport with NFC chip or an initial deposit from an existing Swiss bank account.

(Payments from a Wise account or other foreign FINTECHS are not accepted as initial deposit for regulatory reasons).

What business subscriptions does YAPEAL offer?

YAPEAL offers five different models. The features in each package are different - choose the package that best fits your business! And if you pay annually, YAPEAL will give you 2 months for free.

More tips and tricks about DeepBox

On the support page of DeepBox you can find more helpful articles and videos. If you still need help you can contact the support of DeepBox or YAPEAL.

DeepBox: YAPEAL:

Rückzahlungen (Bounceback)

Das Geld kann automatisch zurückgezahlt werden, wenn z.B. die Empfängerdaten falsch angegeben wurden, das Empfängerkonto geschlossen/eingefroren o.ä. ist. Sobald das Geld bei Wise zurückbezahlt wurde, wird es dem Kunden automatisch zurücküberwiesen. Dieser Prozess dauert i.d.R. bis zu zwei Arbeitstage.

What can I do in case of fraud?

Block your card directly in the app and report the incident to the support team. The case will be reviewed and processed individually.

Cybera offers an online database where you have the possibility to file an online criminal complaint in case of fraud cases such as prepayment fraud or romance scam etc.. This is fast and convenient and increases the chances of recovering the stolen funds. In addition, cybera provides documentation for insurance claims.

Report incident.

What payment options do I have?

The monthly and annual fee will be automatically charged to your YAPEAL account.

What fees should I expect for international payments?

You pay only 0.35% convenience fee plus a transaction fee between 0.4% and 1.3% for Wise - and thus significantly less than via traditional channels! The fees are transparently displayed when you enter the transfer in the app.

What happens if my account balance is negative or the balance is too small to cover the monthly fee?

If the account balance is negative or the balance is too small to cover the monthly fee, use in the app is only possible with restrictions and you will be asked to top up your account balance. As soon as the amount can be debited, all features of the selected subscription will be activated again.

YAPEAL also offers Banking-as-a-Service - what does this mean?

All about BaaS (Bankning-as-a-Service) can be found at the following link.

What is a Yapini account?

Yapini is a digital account for children and young people from the age of 7. Check out our homepage to learn more about the Yapini account and its benefits.

Yapini subscription

For our Yapinis we have a free subscription. What is included in this subscription, you can find out on our homepage under our subscriptions.

What exchange rate is used for payment/withdrawals with the YAPEAL VISA Debit Card abroad?

For cash withdrawals abroad and foreign currency transactions, we pass on the VISA exchange rate 1:1, so you always benefit from the best exchange rate. You can check the current daily exchange rate at any time on the VISA UK website.

Which legal forms are supported?
  • Public limited company
  • Limited liability company
  • Registered as well as unregistered sole proprietorship
  • Registered associations
Are there different price plans?

YAPEAL offers three different pricing plans from CHF 0-8.90 per month. The features in each package are different - take the one that suits you best! And if you pay annually, YAPEAL gives you 2 months for free.

You can find our price plans on our website.

Is YAPEAL available as a web version?

Yes, for those who prefer to check their finances on a bigger screen, there is a web version, of course in the usual smart YAPEAL manner.

Our web application is still in beta version and is constantly being expanded by our team. You can easily create your login on our website at Login. Just enter your YAPEAL email address and scan the QR code with the Verify app.

Why does Web Interface not start?

Mostly it is a restriction by the firewall of your network. Please check if port 443 and port 3020 are enabled to allow access via web.

Can we make international payments with YAPEAL?

YAPEAL allows your company to transfer money abroad quickly and cheaply, thanks to the cooperation with Wise. At the same time, your company saves with each transaction compared to traditional banks.

How do I add members?

In the business account view, you can select "Nominate member" from the menu under Members and then insert the person's data. Please note that the data must be analogous to identity document.

How do I assign rights?

In the business account view, you can add employees via the menu, under "Accounts" and at the top right via the 3 dots. If the employee is already identified, it will appear for selection, otherwise an invitation must be sent. Each invitation or change generates a task for confirmation for all authorized signatories.

What is the Admin role?

An Admin is authorized to approve applications for the organization, thereby relieving the signatory authority. The Admin role does not automatically grant rights to accounts and card programs. However, these can be requested by the Admin and approved themselves - this is done in one step as approval is automatic when someone has the rights.

How can I assign the admin role?

Prerequisite: Previously added as a member or authorized signatory and confirmed by authorized signatories (e.g. registered in the Commercial Register, owner of the sole proprietorship).

In the business account view, you can select via the menu, under Admin - "APPOINT ADMIN" and then nominate the person for the role.

Any questions?

Please do not submit any confidential data in the form.

Telephone contact

By telephone, we can only block the card in the event of loss/theft and access your account if you lose your smartphone.

Show phone number

+41 44 435 38 18

Our support team is located in Switzerland, you will be charged for this call with normal rate.