Provider profileLast checked 8 November 2026
YAPEAL Business Account
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.
- Cheapest plan
- Free: CHF 0 a month
- Available in
- Switzerland
- Your money
- E-money · safeguarded, no FSCS
What it is
YAPEAL AG, Zurich (UID CHE-485.125.244), holds a FINMA fintech licence under Art. 1b of the Swiss Banking Act. It is not a full bank.
How your money is protected
No esisuisse depositor protection: YAPEAL says its fintech licence doesn't provide it. It must hold 100% of customer money and deposits it with the Swiss National Bank.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
Partnerships, AG, GmbH, foundations and associations registered in the Swiss commercial register; YAPEAL's support pages also describe opening for sole proprietorships. Activation needs a first payment from a Swiss account in the company's name, or in your own name for a sole proprietorship.
Headline fees
| Fee | Detail |
|---|---|
| Plans (monthly) | Free CHF 0, Essential CHF 9, Grow CHF 49, Business CHF 119; 2 months free if paid yearly |
| Domestic payments | 5 a month on Free (in and out combined), then CHF 0.30; unlimited on paid plans |
| SEPA payments | Free plan: CHF 1 in, CHF 2 out; no charge on paid plans |
| SWIFT payments | Free plan: CHF 4 in, CHF 27.50 out; paid plans: free in, CHF 4 out |
| SIC instant payment | CHF 5 on Free, CHF 2 on paid plans |
| Extra CHF or EUR account | CHF 9 a month on paid plans |
| Extra Visa Debit card | CHF 3 a month on Free and Essential, CHF 2 on Grow and Business; virtual cards CHF 2 |
| Cash withdrawals | CHF 2 in CHF and CHF 5 in EUR in Switzerland; 1.5% abroad |
Limits worth knowing
- Included Visa Debit cards: 1 on Free, up to 3 on Essential, 20 on Grow and 200 on Business (virtual: 1, 5, 50 and 500).
- EUR accounts, SEPA and SWIFT payments are not available to financial intermediaries.
How it compares
- Incard vs yapealFees, cashback, foreign currency, protection and eligibility side by side.
- yapeal alternativesAccounts to look at if yapeal doesn't cover what you need.
yapeal against other accounts
See all the accounts we've researched.
Our pick for card spendIncard: 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.
Read Incard vs yapealWork out your cashbackCheck eligibility
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
Check YAPEAL Business Account's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
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.