Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Yapeal review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Yapeal suits travellers and teens who want a Swiss account they run from a phone, with a monthly fee of CHF 0 and a currency conversion fee of 0%. It ranks 1 for monthly fee, though a narrow offer holds the overall score to 5.5.

Key facts

Best for
A Swiss account run from a phone for travellers and teens who want no monthly or conversion charge.
Monthly fee
CHF 0↗
Currency conversion fee
0%↗
Local account details
IBAN↗
Free ATM withdrawals
CHF 0↗
Transfer fee
Send Swift payment CHF 4, Send SEPA payment CHF 0, SIC Instant payment CHF 2 (Private Accounts and Cards plans)↗
Legal entity
YAPEAL AG↗
Headquarters
Switzerland↗
Founded
2018↗
Support channels
Chat, Email↗
Audience
Travelers, Teens
Pricing model
No monthly fee, Low FX fees
Features
Digital-only
Official website
yapeal.ch

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInXyoutube.com

Pros and cons

Pros

  • Monthly fee of CHF 0 and a currency conversion fee of 0% keep the running costs of the account at nothing.
  • The account is digital only, so you open and use it from a phone, and a local IBAN handles everyday payments.
  • Support runs on chat and email, so you can ask questions through chat or email.

Cons

  • Support runs on chat and email only, with no phone number offered.
  • Swift payments and SIC instant payments carry a charge, while SEPA transfers are free on the Private Accounts and Cards plans.
  • The account is digital only, so daily work happens in the app rather than at a counter.
Yapeal

Ready to try Yapeal?

Scored 8.8 / 10 by VaultCue.

See alternatives

Who it suits

  • Travellers who spend in several currencies and want a conversion fee of 0%.
  • Teens and students opening a first account, with a monthly fee of CHF 0.
  • Swiss residents who want a local IBAN and everything run from a phone.

Who should look elsewhere

  • bunq suits anyone who wants a phone line or a broader platform, while Yapeal runs on chat and email only.
  • Pixpay FR fits people happy to pay a monthly fee of €3.99 for a different account, against Yapeal at CHF 0.
  • bunq Spain Bank Account is the better pick for money held in Spain, since Yapeal is built around CH.

How Yapeal compares

Where Yapeal is available

Available
Switzerland
Licence in Switzerland
FINMA, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Yapeal account cost?+

The monthly fee is CHF 0 and the currency conversion fee is 0%, so keeping the account and spending abroad carry no charge. Other costs sit in transfers: Swift payments and SIC instant payments are charged on the Private Accounts and Cards plans, while SEPA transfers are free.

Who regulates Yapeal?+

Yapeal AG is a Swiss company based in Switzerland and supervised by FINMA, the Swiss financial market regulator. The company was founded in 2018, so it is a young operation rather than a long established bank.

Do I need to visit a branch to open an account?+

No. The account is digital only, so you open and use it from a phone with no branch visit. Help is remote too, running on chat and email, which means chat and email rather than a counter.

Who is Yapeal built for?+

The account is aimed at travelers and teen, so it fits people who cross borders regularly and young people opening a first account. The offer stays deliberately small, which is why the offer score part is 3.3.

How do I get paid into the account?+

Payments use iban, a local IBAN, so salary and bills can arrive like a normal domestic transfer. Outbound costs vary by rail: SEPA transfers are free, while Swift payments and SIC instant payments are charged on the Private Accounts and Cards plans.

Is there a phone number for support?+

Support runs on chat and email, which covers chat and email. Anyone who prefers to call will not find a phone line listed, so it is worth checking how quickly the chat and email replies arrive before moving everyday banking across.

Can I use Yapeal at cash machines?+

Cash machine use falls under an allowance of CHF 0 on the private accounts and cards, so the only standing charge is the monthly fee of CHF 0. Since the account is digital only, the app and card do most of the daily work.

How does Yapeal compare on price?+

It ranks 1 for monthly fee and 1 for currency conversion fee among the accounts listed here, against 312 brands on conversion. The cost score part is 7.2 and the offer part is 3.3.

Sources

  • yapeal.ch checked September 26, 2026

    Backs: Licences

  • yapeal.ch/en/company/about-yapeal/about-us checked September 26, 2026

    Backs: Founded

    “YAPEAL was founded in 2018 by a group of friends”

  • yapeal.ch/en/legal_notice checked September 26, 2026

    Backs: Headquarters, Legal entity

    “YAPEAL AG, Gartenstrasse 14, 8002 Zurich, Switzerland”

  • yapeal.ch/en/yapeal-direct/products/private-accounts-and-... checked September 26, 2026

    Backs: Free ATM withdrawals, Audience, Features, Currency conversion fee, Local account details, Pricing model, Monthly fee, Support channels, Transfer fee

    “Cash withdrawal Switzerland (CHF) - Cost of cash withdrawal in Switzerland from Swiss francs. 2.- ; Cash withdrawal abroad 1.50%”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currencies.

Yapeal

Yapeal

A Swiss account run from a phone for travellers and teens who want no monthly or conversion charge.

8.8/10See alternatives