YAPEAL Direct
Discover the modern Swiss account for your everyday life, your family, and your travels.
It is easy, no paperwork needed and no hidden fees.
We are not a conventional financial institution - and therefore we do without expensive branches, high fees and paperwork. Instead, we offer you all services where they belong: in your app, whether you are an adult, or a child, we have the right solution for you!
With the Yapeal mobile app and web app, you have full control — from your smartphone or desktop.
Real-time overview: See every transaction immediately with a push notification. Your account balance is always up to the second
Full control: Manage all your cards directly in the app. Adjust limits, temporarily block cards, or view a new PIN.
New cards instantly: Create a virtual Visa Debit card in seconds for secure online shopping, or order a physical Visa Debit card delivered directly to your home.
With Yapeal, you give your children the perfect start in the world of finance. From the Private Plan onward, open an account for your child and teach them safe money management, all under your control.
Secure first account: YAPINI Youth for children from 7 years old, with full parental control.
Learn together: Track spending and income together, fostering financial literacy in a playful way.
Send money in seconds: Transfer allowance or emergency funds in real time and for free to your child’s Yapeal account.
"After tough days on the Pacific, we reached Costa Rica, and I was the only one with a working card for the first beer! Yapeal made my around-the-world sailing trip much more relaxed, enjoyable, and worry-free, for me and my fellow crew members."
Discover features that make your life easier — from daily shopping to your big trip.
Make payments easier and unmistakable with a personalized IBAN that includes your name.
Settle your bills in no time with eBill and QR code scanning.
(From Private Plan)
Make payments globally at over 100 million locations — contactless with your Visa Debit card or mobile via Apple Pay, Google Pay, and Samsung Pay.
Send and receive money from other Yapeal users as easily as a text message — in real time and always for free.
Give your children financial freedom within a safe framework. You set the rules and guide their first steps into the world of finance.
We do not charge a markup on the VISA foreign exchange rate and pass it on to you 1:1. This makes us 3–5% cheaper than cards from traditional financial institutions.
Our support team in Switzerland helps you quickly and competently — on the channel of your choice.
In-App Chat: Contact us directly in our YAPEAL App for immediate response.
E-Mail: We are only an E-Mail away for complex issues.
Multi-langual: Our local support team speaks German, French & English.
Managing money should not be a question of money - but of your demands. Here you can find the price plan that suits you best.
Save up to 20% with an annual payment!
Monthly
Yearly
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Basics |
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YAPEAL App |
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YAPEAL Web App |
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Account |
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Swiss account incl. |
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Personalized IBAN |
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Payment |
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Domestic payments |
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QR Bill |
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Peer 2 Peer |
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Foreign payment without exchange rate surcharge |
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Collecting Sepa payment (CHF) |
0
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0
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0
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Send Sepa payment (CHF) |
X
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0
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0
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Collecting Swiff payment (CHF) |
0
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0
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0
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Send Swift payment (CHF) |
X
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4
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4
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Card |
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Visa Debit Card incl. |
7.-
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Visa Debit Replacement Card |
20.-
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20.-
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Virtual Visa Debit Card incl. |
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Virtual Visa Debit replacement card |
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Mobile Payment |
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Cash withdrawal Switzerland in CHF |
2.-
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2.-
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Cash withdrawals in Switzerland in EUR |
5.-
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5.-
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Cash withdrawal abroad |
1.50%
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1.50%
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No basic fee |
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Shopping abroad |
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No exchange rate markup |
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Online shopping |
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Limit adjustment |
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Options |
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3a Pension plan |
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Yapini |
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Specialties |
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Cashback |
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Support |
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In app support |
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Special cases per 15min |
25.-
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25.-
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25.-
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Service and prices are subject to change at any time. The most current version is shown on this website.
1. Choose the plan that fits your life perfectly.
2. Verify your identity completely digitally in under 10 minutes via the app. No paperwork.
3. Your card is ready to use in your digital wallet immediately.
Start
10.Min