Frequently asked support questions
- How can I access my account if I lose my phone?
Just install the app on your new smartphone. Our sign-up 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 at the same time.
- What are my monthly costs?
See pricing page.
- Does YAPEAL offer a Swiss bank account?
We offer an account with personal IBAN – even personalizable, Visa debit card, mobile wallet and connection to the payment system. So you can do with your YAPEAL account everything you can do with an account in a Swiss bank.
- How can I contact YAPEAL? You don't have branches...
You can always contact us directly from the app, whether for feedback or support requests. Most of the cases you will be able to handle by yourself in the app.
- I want to be a #Yapster! How long does it take before I can use my account?
Registration and account opening only takes a few minutes. If all requirements are met, you can use your virtual Visa Debit Card for purchases right after the funding of your new YAPEAL account!
- Do I have depositor protection at YAPEAL like at other banks?
Unlike traditional banks, YAPEAL is subject to the Fintech licence. With this we are obliged to deposit 100% of your money – we do this at the Swiss National Bank. Risky transactions, investments and other forms of working with your money are not allowed for us. Therefore, the legislator does not provide any additional depositor protection for Fintech-regulated companies.
- What are the subscriptions for YAPEAL accounts?
YAPEAL offers three different models from CHF 0-8.90 per month. The features in each package are different – take what suits you best! And if you pay annually, YAPEAL gives you 2 months as a gift.
- If I do not select anything, which model will I be assigned to on 1.1.21?
If there is no reaction from Yapster, the account will be automatically switched to the “Loyalty” for CHF 0.- per month as of 1.1.21.
- 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 and the balance is too small to cover the monthly fee, the usage 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, the selected price plan will also be reactivated.
- In which model will the future features be integrated?
It depends on the feature, for each feature we check which model it fits into.
- How and when can I change my subscription?
Upgrades or changes to a higher offer are possible at any time and will be activated immediately. When changing from Private to Private+, any amount already paid will be refunded pro rata and the new amount will be debited.
Downgrades and changes to the term always take effect at the end of the paid period.
- What can I do in case of fraud?
cybera offers an online database where you can file an online criminal complaint in cases of fraud such as advance payment fraud or romance scam etc. This is quick and convenient and increases the chances of recovering stolen funds. This is quick and convenient and increases the chances of recovering the stolen funds. In addition, cybera offers documentation for insurance claims.