Updated September 29, 2026 · VaultCue Editorial Team
Alpian vs Yape
Alpian
Yape
Higher score in this comparison
Alpian vs Yape: the differences
| Compare | AlpianReviewSee alternativesSee alternatives | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CHF 0 | PEN 0 |
| Currency conversion fee | 0.2% | 0%Lower |
| Currencies | 4Higher | 2 |
| Transfer fee | Free in-zone, CHF 7 out-of-zone | Free (0) to send a Yape payment; remittance receiving also free |
| Local account details | IBAN | Not confirmed |
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Key differences
- Yape scores higher overall: 9.1 vs 8.7.
- Currency conversion fee is lower at Yape: 0% vs 0.2%.
- Currencies is higher at Alpian: 4 vs 2.
- Support channels: only Alpian offers Email, Chat.
- Support channels: only Yape offers Help centre.
- Pricing model: only Alpian offers Low FX.
Our verdict on each
Alpian
Alpian is built for expats and travelers who want a digital only account with a monthly fee of CHF 0 and a 0.2% conversion charge. The Swiss provider is supervised by FINMA, and the easy-access savings rate of 0.01% to 0.1% is modest for anyone building a large balance.
Yape
Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.
Score breakdown
| Area | Alpian | Yape |
|---|---|---|
| Cost | 9.2Transfers cost Free in-zone, CHF 7 out-of-zone and the minimum deposit is CHF 0, so running costs stay thin. | 9.6HigherMonthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet. |
| Offer | 8.8HigherEasy-access savings at a variable rate, credited monthly with no lock-in and no cap, inside a digital only service. | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
| Trust | 8.2 | Not confirmed |
Pick Alpian if, pick Yape if
Pick Alpian if offer and currencies matter most.
Pick Yape if cost and currency conversion fee matter most.
Where each is licensed and available
| Country | Alpian | Yape |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for Alpian: 1. Additional countries for Yape: 1.
What we checked
Alpian
- alpian.com: 11 facts, checked September 26, 2026
- thepoorswiss.com: 1 fact, checked September 26, 2026
Yape
- yape.com.pe: 7 facts, checked September 26, 2026
How they place
| Ranking | Alpian | Yape |
|---|---|---|
| Multi-currency accounts | 207 of 348 | 129 of 348 |
| Online banks | 156 of 402 | 93 of 402 |
Every fact side by side
| Fact | Alpian | Yape |
|---|---|---|
| Audience | Expats, Travelers | Not confirmed |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Digital only | Digital only |
| Legal entity | ALPIAN S.A. | Not confirmed |
| Headquarters | Switzerland | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Chat | Help centre |
Savings
| Fact | Alpian | Yape |
|---|---|---|
| Headline rate | 0.01% to 0.1% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | CHF 0 | Not confirmed |
| Access terms | Interest credited monthly, calculated annually; withdraw anytime without penalties, no lock-in, no maximum cap | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | Alpian | Yape |
|---|---|---|
| Delivery time | Not confirmed | Instant, credited directly to the Yape wallet |
| Payout methods | Not confirmed | Wallet |
| Fee to send 1,000 | Not confirmed | PEN 0 |
Where each stands against the rest
| Fact | Alpian | Yape | Median |
|---|---|---|---|
| Currency conversion fee | 0.2%below the median | 0%below the median | 0.5% |
| Currencies | 4below the median | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Alpian
Pros
- Monthly fee of CHF 0, with a 0.2% charge on currency conversion.
- Interest credited monthly, withdrawals any time, no lock-in and no maximum cap on the balance.
- Regulated in Switzerland by FINMA, with iban details for local payments.
Cons
- Savings interest is modest at 0.01% to 0.1%, well under the 3% site median.
- The service is digital only, so there is no counter for anyone who prefers to deal with someone in person.
- Support runs on email and chat only, which is narrower than a phone line.
Yape
Pros
- Monthly fee of PEN 0 on the everyday account
- Currency conversion fee of 0%, top of the multi-currency table
- Sending a Yape payment and receiving a remittance are both free
Cons
- Only 2 currencies, near the bottom of the multi-currency table
- Payouts run to the wallet only, so money cannot be withdrawn to a bank account
- Support runs on help centre only, with no phone or email line
Who each suits
Alpian
Who it suits
- Expats and travellers who need 4 currencies and iban details in one place.
- People who want savings without a lock-in, a balance cap or a minimum they have to hit.
- Holders who mostly move money in-zone, where transfers cost Free in-zone, CHF 7 out-of-zone.
Who should look elsewhere
- Skrill, for shoppers who want to pay straight from a wallet rather than hold savings.
- eToro, for people who also want to trade investments alongside the account.
- PayPal Colombia, for sellers who need a payee wallet for online payments.
Yape
Who it suits
- People living in Peru paying everyday bills from a phone
- Family members abroad sending remittances to a Yape wallet
- Anyone who wants to receive money without opening a bank account
Who should look elsewhere
- PayPal Colombia or Skrill if you hold money in several currencies
- eToro if you want a card account that pays out to a bank
- Anyone who needs help by phone, since support runs on help centre only
Current offers
Yape
Current offer
Discount code
Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances
Source, checked September 26, 2026
Country by country
| Country | Alpian | Yape |
|---|---|---|
| Peru | No | Yes |
| Switzerland | Yes | No |
Questions about each
Alpian
What does it cost to keep the account?+
There is a monthly fee of CHF 0, so nothing is taken out each month for holding the account. Currency conversion costs 0.2%, and transfers cost Free in-zone, CHF 7 out-of-zone. The savings side carries a minimum deposit of CHF 0 and no monthly charge.
How much does Alpian charge to convert currency?+
Conversion costs 0.2%, a little under the 0.22% median for everyday accounts and well under the 2.08% figure across the site. You can hold 4 currencies in the same account, with iban details for local payments.
Yape
How much does a Yape account cost to keep?+
The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.
What does it cost to change currency in a Yape wallet?+
The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.
Other options to compare
Other matchups
Related by the facts
Alpian
Yape