GuideLast checked 8 November 2026

yapeal alternatives

A digital Swiss business account with a CHF account, EUR sub-accounts and Visa Debit cards for employees, on four plans from free to CHF 119 a month. If it doesn't fit, here are 9 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our yapeal profile.

Why Incard is our pick instead of yapeal

Incard lists a US dollar account, which yapeal's pages don't
Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. yapeal: On Grow and Business, depending on transaction volume; rate not listed

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

The alternatives

**Table notes:** correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and yapeal's don't.
Account	Cheapest plan	Lists, unlike yapeal	Compare
IncardOur pick for card spend	Free: £0 a month	a US dollar account, UK sole traders, UK limited companies, LLPs	Compare Incard and yapeal
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	card payments from customers, UK sole traders, UK limited companies	Compare Airwallex and yapeal
BCVBank · esisuisse cover	SME banking pack: CHF 4 a month, free for the first year for companies less than two years old	cash deposits, card payments from customers, bank deposit protection
Migros BankBank · esisuisse cover	CHF 3 a month	a US dollar account, cash deposits, bank deposit protection
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	Nothing extra listed
PostFinanceBank · esisuisse cover	CHF 5 a month	bank deposit protection	Compare PostFinance and yapeal
UBSBank · esisuisse cover	Free for the first year, then CHF 20 a quarter	a US dollar account, cash deposits, bank deposit protection	Compare UBS and yapeal
ValiantBank · esisuisse cover	Business Set Basis: free	cash deposits, card payments from customers, bank deposit protection
ZKBBank · esisuisse cover	Free for the first year, then CHF 7 a month	a US dollar account, cash deposits, card payments from customers, bank deposit protection	Compare ZKB and yapeal

What yapeal does well

Before you move, check that you won't lose something you use. yapeal suits you if:

You want a free plan and make few domestic payments
You need CHF and EUR accounts in one app
You give Visa Debit cards to employees and set limits per card
You pay by card abroad: YAPEAL passes on the Visa rate 1:1

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs yapeal Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.

Show all 58 sources