ComparisonLast checked 8 November 2026

PostFinance vs yapeal

A Swiss bank business account in CHF for companies, sole proprietors, associations and foundations based in Switzerland. 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. We also show Incard, our pick for businesses whose main costs go on cards.

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Where Incard beats both

You spend thousands a month on cards, especially on advertising, software or travel
You want a US dollar account, which PostFinance or yapeal don't list
You're comfortable with safeguarding instead of FSCS cover

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

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PostFinance suits you if

You want a Swiss bank account with esisuisse depositor protection
You mainly pay in CHF within Switzerland
You're an association or foundation, which Incard doesn't accept

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

At a glance

**Table notes:** correct as of 8 November 2026, from each provider's own pages listed under Sources. “Not listed” means the provider's pages we checked don't say.
	PostFinance	yapeal	Incard
Type and protection	Bank · esisuisse cover	E-money · safeguarded, no FSCS	E-money · safeguarded, no FSCS
Who can open one	Swiss GmbHs and AGs and Swiss sole traders	Swiss GmbHs and AGs and Swiss sole traders	UK sole traders, UK limited companies, LLPs, Swiss GmbHs and AGs and Swiss sole traders
Cheapest plan	CHF 5 a month	Free: CHF 0 a month	Free: £0 a month
Plans (monthly)	CHF 5 a month	Free CHF 0, Essential CHF 9, Grow CHF 49, Business CHF 119	Free £0, Grow £49, Plus from £199
Card cashback	Not listed	On Grow and Business, depending on transaction volume; rate not listed	Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped
Card payments in other currencies	Not listed	Visa exchange rate passed on 1:1; no card FX fee in the price table	1.8% on Free, 1.5% on Grow and Plus
Domestic transfers	Up to 60,000 Swiss transactions a year included	5 a month on Free, then CHF 0.30; unlimited on paid plans	100 included on Free, 250 on Grow, then £0.30 each
International transfers	Not listed	SEPA free on paid plans (CHF 2 on Free); SWIFT CHF 4 out (CHF 27.50 on Free)	3 included on Grow; otherwise from £5 (SHA) or £20 (OUR)
ATM withdrawals	Not listed	CHF 2 in CHF and CHF 5 in EUR in Switzerland; 1.5% abroad	2% in the UK, 2.5% abroad
Cash deposits	Not listed	Not listed	Not listed
Currencies you can hold	CHF, plus EUR and other currency accounts from CHF 2 a month	CHF and EUR	GBP, EUR and USD, with IBANs
Accepting card payments	Not listed	Not listed	Not listed

Where they differ

Based on what each provider lists on its own pages. If a feature isn't listed, check with the provider before you rule it out.

Only Incard lists a US dollar account, accounts for UK sole traders, accounts for UK limited companies and accounts for LLPs.

What each one is, and who can open one

PostFinance

A business account from PostFinance Ltd, a Swiss bank. Swiss depositor protection, run by esisuisse, covers up to CHF 100,000 per customer, with all accounts at the same bank added together.

Who can open one: Sole proprietorships, self-employed people, startups, SMEs, limited companies (GmbH and AG), associations and foundations based in Switzerland that mainly make payments in CHF. Full PostFinance profile.

yapeal

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. 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.

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. Full yapeal profile.

Incard

Incard Ltd is authorised by the FCA as an electronic money institution (firm reference number 1027309). It is not a bank. Safeguarded: Incard keeps customer funds separate from its own money, in accounts with authorised credit institutions, and doesn't lend or invest them. Funds are not protected by the FSCS.

Who can open one: UK limited companies and LLPs, UK sole traders and freelancers registered with their local authority, and Swiss GmbH, AG and sole-trader businesses. EEA onboarding is paused until an expected restart in 2027. Public sector bodies, cooperatives, charities, foundations and trusts aren't accepted, and a long list of industries is restricted. Full Incard profile.

Our e-money vs bank account guide explains what safeguarding and FSCS cover mean if a provider fails.

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