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.

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

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).

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.

Freeze your debit card in the app immediately to prevent further transactions. Then contact our support team directly in the app (via the shake function or in the settings under Support Center) to discuss how to proceed.

The initial payment from your own Swiss account is a regulatory requirement with which we ensure the identity of our customers.

If you have any further questions, please do not hesitate to contact us at any time - either directly in the app or by email at support@yapeal.ch.

You can freeze your debit card in the app at any time to prevent further transactions. If you then find the card in a safe place and can exclude the possibility that someone else has had it in their possession, you can safely unblock it again.

n the event of any theft or loss, you can definitely block and replace the card in the app. Please also check the last transactions and report any discrepancies to our support team.

Block your smartphone via the manufacturer or your Apple or Google ID. This will prevent it (and its apps) from being used again. If in any doubt, please contact our support team.

You can install the YAPEAL app on a new device at any time and then access your account again easily and securely via the login function.

Freeze your debit card in the app immediately to prevent unwanted transactions. Then contact our support team directly in the app (via the shake function or in the settings under Support Center) to discuss how to proceed.

Are you a YAPEAL customer? Then please contact us via the app so that we can look at how to proceed.

You are not a YAPEAL customer? We are pleased to receive any information about suspected cases of fraud via the contact form at the bottom of this page and will follow them up internally. However, please contact your financial institution regarding the next steps.

If you have become a victim of fraud, we generally recommend that you file a complaint with the police. You can also do this online via CYBERA

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.

All partnerships, legal entities (AG, GmbH) as well as foundations and associations that are registered in the Swiss commercial register can open a company account.

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

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

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.

If you have any further questions, please do not hesitate to contact us at any time - either directly in the app or by email at support@yapeal.ch.

You can click on the burger menu at the top left of your business account view, then on “Teams & Permissions” and “Members” to add a new member. If the employee is already identified, they will appear for selection, otherwise an invitation must be sent. Each invitation or change generates a task for confirmation for all authorized signatories.

You can click on the burger menu at the top left of your business account view, then on “Teams & Permissions” and “Account permissions” to add a person. If the employee is already identified, they will appear for selection, otherwise an invitation must be sent. Each invitation or change generates a task for confirmation for all authorized signatories.

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

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

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

An Admin is authorized to approve applications for the organization, thereby relieving the signatory authority. The Admin role automatically allow rights to accounts and card programs.

Once your business account has been opened and you have added yourself as an authorized signatory, you can click on the burger menu in the top left of your business account view, then on “Teams & permissions” and “Admin” to give yourself the admin role.

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.

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 support@yapeal.ch.

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