What are the advantages of a digital Swiss account?

Why is this right for me as a cross-border commuter? We have taken up this challenge and developed the best offer because we understand our customers.

Illustration einer Checkliste in Rot mit einem blauen Stift

For whom we have developed our offer?

Another milestone in YAPEAL's young history. Our offer is now also available to cross-border commuters. Simple, fast and convenient opening in just a few minutes.

What makes us different? Our customers know what they are paying for. We do not know about hidden fees for transfers, costs for cash withdrawals, bad exchange rates and surcharges on account management fees.

How to become a customer?

It has never been so easy! Download the YAPEAL app from the app store with your smartphone, have a passport or ID ready, transfer money from an existing Swiss bank account of yours (unfortunately we can NOT accept an account from Revolut, Wise or other international FINTECHs) and within a few minutes the account is opened.

Although it is wonderful in Switzerland, it is the most beautiful at home and therefore this can be done there comfortably, easily and quickly. Currently, the offer is limited to cross-border commuters who work in Switzerland and can prove this, and Swiss abroad (Swiss nationality) who live in neighboring countries.

What is special about the YAPEAL offer?

YAPEAL offers all the benefits of a Swiss account, where you get your salary paid by your employer in Switzerland. We have made it our mission to make everything easier and more convenient, and you will benefit from the very first moment. Open the account - within minutes, transfer money - pay within seconds - in real-time. Convert exchange rates - is history, because no matter where and how you pay, we always have the best exchange rates, without fees and surcharges.

Paying bills and transferring money has never been so easy, whether it's a Swiss payment or an international transfer. Done in a few clicks and executed in real time.

Transfer money internationally

Whether a one-time payment or regular payments. Done with us with just a few clicks. And of course always with the best exchange rate and without surcharges.

Frau sendet Geld weltweit mit YAPEAL symbolisiert mit einem roten Papierflieger


Paying with YAPEAL knows no boundaries. Whether "Znüni" in the canteen, weekly shopping at home, shopping on the Internet and vacations at the dream beach. Anywhere, anytime in real-time. We only set limits when it comes to fees, because we don't know them.

Illustration einer Frau die einen Globus in den Händen hält

Security and cost control

Is our top priority. We use the leading technology for this purpose. You always have your finances under control and you can customize the app to your needs.

Illustration eines Mannes der mit einem Schloss aufzeigt, wie sicher der Gebrauch der App ist.