YAPEAL Direct

Your digital account. Enabled.

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.

Business Accounts & Cards

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

Private Accounts & Cards

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 Account and Cards:  > 18 Years

  • Yapini Youth:  > 7 Years

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Your digital accounts. Enabled.

Digital account with self-selected IBAN and automatically set up QR-IBAN

  • 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 efficiently.

Intuitive web interface & mobile app

  • Conduct on- and off-boarding in an instant.
  • Adjust spending limits on demand and instantly. 
  • Receive real-time updates and information on usage.

Switch easily between accountss and legal entities

  • Organize both private and business accounts with ease in one app.

  • Manage the various legal entities of your organisation with only one access.

Cards with embedded logic

  • For each individual card: Set and manage spending limits, configure out-of-policy categories and geographies upfront.

  • Prevent fraud and misuse before it happens.

An interface representing a banking cockpit with different features.

Pre-assign cards to a project

  • 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. 

Smooth integration

  • Benefit from our cloud-native solutions that integrate easily into your ERP and HR systems, to enable fully automated processes.

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

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.

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Join our 1000+ business customers

Cancel anytime: No cancellation fees, as with our cards, you can cancel within minutes.

24/7 Swiss located support team.

Open your Swiss Business Account