A little bit of home in your pocket?

Our service is now also available to Swiss citizens living abroad in neighboring countries. Uncomplicated, fast and conveniently opened within a few minutes.

What makes us unique? Our customers know what they are paying for. We don't know about hidden fees for transfers, costs for cash withdrawals, bad exchange rates and surcharges on account management fees.

How much Switzerland is in YAPEAL?

We were the first FINTECH in Switzerland to receive FINMA approval. We are particularly proud of this. Our headquarters are in Zurich, where our developers also work. Our customer service is there for you almost around the clock, also based in Switzerland.

A motivated and experienced team is working on the future of Swiss banking. Our investor Bank Vontobel, a Swiss guarantor for security and trust, shows that we are on the right track.

Reliable as a Swiss watch. How we do it remains our secret, like Appenzeller cheese.

What is special about the YAPEAL offer?

Our top priority is simple, straightforward and fast. The digital experience begins with the first contact and the account is opened within minutes - all from the comfort of your warm room at home.

Paying bills and transferring money has never been so easy, whether it's a Swiss payment or an international transfer. Done with a few clicks and executed in real-time.

How can I become a customer?

It has never been so easy! Download the YAPEAL app from the app store with your smartphone, have a passport or ID ready, transfer money from an existing Swiss bank account of yours (unfortunately we can NOT accept an account from Revolut, Wise or other international FINTECH) and within a few minutes the account is opened.

Although it is very nice in Switzerland, it is the nicest at home and therefore this can be done there comfortably, easily and quickly. → Currently, the offer is limited to cross-border commuters who work in Switzerland and can prove this, and Swiss abroad (Swiss nationality) who live in neighboring countries.

Transfer money

No matter in which currency or to which destination, our payments are executed in real time - no matter where and when you are, without surcharges of course. Whether e-bill or QR-bill, your bill is paid in no time, leaving you more time for more important things in life.

Frau sendet Geld weltweit mit YAPEAL symbolisiert mit einem roten Papierflieger


When visiting your old home country or abroad. With YAPEAL you are independent. Moreover, you no longer have to worry about costs or exchange rates when withdrawing cash or paying. We set no limits, except for the fees, because we do not know them.

Illustration einer Frau die einen Globus in den Händen hält

Card and cost control

You have your spending under control in the app and know what you spend your money on. You can also set the card pin yourself, as well as the amount of your monthly limit. Lost your card? Exchanged in real-time and immediately usable with your pay function in the wallet.


Your money is in Switzerland, in your account and available to you at any time. In addition, we make no compromises in terms of security and rely on the latest security technology developed by the ETH Zurich - typically Swiss.

Illustration eines Mannes der mit einem Schloss aufzeigt, wie sicher der Gebrauch der App ist.