Yapeal

Swiss-licensed neobank with strong compliance focus. Swiss IBAN, business accounts with team management, youth accounts from age 7, and 4% FX savings.

Country: CHIBAN: CHFounded: 2019

Monthly fee

CHF 5.00/mo

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swiss business compliance youth paid

Pros

✓Swiss IBAN
✓Business account with team management
✓Youth accounts from age 7
✓4% FX savings vs traditional banks
✓Real-time notifications
✓Can use card before it arrives

Cons

✗Monthly fee for most features
✗No Google/Apple Pay confirmed
✗Limited investment features
✗Account closure issues reported
✗Small user base

Features

Google / Apple Pay✗ No

Multi-Currency✗ No

Savings Account✗ No

Crypto Support✗ No

Investment Feature✗ No

Physical Card✓ Yes

Virtual Card✓ Yes

Joint Account✗ No

Business Account✓ Yes

Kids Account✓ Yes

Instant Transfers✓ Yes

Cash Deposit✗ No

Desktop App✗ No

Customer Supportasync

Fees

FX Fee4% cheaper than traditional banks

Card DeliveryFree

Limits

Daily ATMCHF 500

Monthly ATMCHF 1,500

Daily TransferCHF 10,000

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