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yapeal stopped opening private accounts on 31 March 2025. It now sells to businesses and partners, not to consumers. If you came here to open a yapeal account, you cannot.
This page was a full review with a 3.0 rating. I removed the rating. Rating a product you cannot buy helps nobody.
yapeal was a Swiss account built for the phone, with a Swiss IBAN and no markup on card spending in foreign currency. Yuh and neon do the same thing today. Yuh now has 12.5% of Swiss neobank users. yapeal has none.
The University of St.Gallen and ZHAW measure Swiss neobank use twice a year in the Swiss Payment Monitor. yapeal was dropped from that sample after the change, because it no longer serves private customers.
If you hold a yapeal account
Open the replacement account first. Move your salary and your standing orders once the new IBAN works. That way you never have a gap.
What I would open instead
One app for spending, saving and investing, with a Swiss IBAN behind it. It is the second most used neobank in Switzerland and the nearest thing to what yapeal offered.
Reader offer: CHF 50 in trading credits plus 250 Swissqoins with code YUHINVESTINGHEROAfter a first deposit of CHF 500.
A licensed Swiss bank where the account, the IBAN and the virtual cards cost nothing, with balances held in francs, euros, dollars and sterling. It tops my bank shortlist, and it will open your account before your residence permit arrives.
Reader offer: CHF 120 welcome package with code HEROCHCHF 55 in cash plus up to CHF 65 in investment fee credits. The cash half needs a first deposit of at least CHF 500, and it has to arrive from a licensed bank, so neon, Yuh, Revolut, PayPal and Wise will not work for it.Both sit on my best bank in Switzerland shortlist, where every account is ranked on what it costs over a year.
Some links on this page are affiliate links, which help pay to run this site. They never change what I write. Neobank usage figures: Graf, S., Heim, N., Stadelmann, M. and Trütsch, T. (2026), Swiss Payment Monitor 2026, edition 2/2026, University of St.Gallen and ZHAW. That study is part funded by the Swiss Payment Association, Nexi and Worldline. Last checked: September 2026. Information only, not advice. Read the disclaimer.
