Yapeal

Verified Provider

The Swiss Digital Bank

Zurich, Switzerland

The Expat-Services Review

The first Swiss fintech to offer a fully digital Swiss IBAN without a traditional bank partner. Perfect for cross-border commuters and digital nomads who need a Swiss account instantly without physical paperwork.

4.6/5

At a Glance

Specialties

Digital BankingInstant IBANNo Fees (Basic)Cross-Border Payments

Languages

EnglishGermanFrenchItalian

Client Types

Digital NomadsCross-Border WorkersTech Savvy

Response Time

Instant (In-App)

Banking Without Borders for Expats

Yapeal is a true Swiss 'Neobank'—not just an app for an old cantonal bank, but a fintech with its own banking license. For expats and digital nomads, this means a genuine Swiss IBAN without the legacy banking headaches.

Why Expats Choose Yapeal

No Residency Requirement: Open an account from neighboring countries (DE, FR, IT, AT) before you even move to Switzerland
Real Exchange Rates: Competitive EUR/CHF conversion rates for cross-border transactions
Zero Paperwork: 100% video identification in 5 minutes—no branch visits required
Instant Swiss IBAN: Receive your Swiss bank details within hours, not weeks

Perfect for Cross-Border Workers

If you work in Switzerland but live in a neighboring country (or vice versa), Yapeal simplifies your financial life. Their low-fee international transfers and transparent pricing make managing money across borders straightforward.

The Digital-First Experience

Everything happens in the app: account management, payments, card controls, and support. For tech-savvy expats who don't want to visit a branch, Yapeal delivers modern banking that matches modern lifestyles.