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Investing inside the Yuh app covers shares, ETFs, Themes, bonds and crypto, bought in fractions from CHF 10 and held by Swissquote Bank. This review is about the investing side only: what a trade really costs, how the fee-free ETF savings plan works, and where its limits are. For the account, the card and the pillar 3a, read my full Yuh review.
A good first investing account, especially if your salary already lands in Yuh: fractions from CHF 10, 31 ETFs and ETPs you can buy through a savings plan with no trading fee, and your securities held at Swissquote Bank. Know three things before you start. The 0.95% currency charge makes franc-traded funds the cheap choice, crypto costs 1% each way, and nothing can be transferred out, so leaving means selling.
Yuh Invest pros and cons
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What Yuh Invest actually costs
Yuh’s investing price list is short. Every figure below comes from Yuh’s own pricing page, its detailed price list and its invest FAQ, read on 24 September 2026.
| Item | Cost at Yuh |
|---|---|
| Custody fee | CHF 0 |
| Shares, ETFs and Themes, order up to CHF 10’000 | 0.50%, minimum CHF 1 |
| Order from CHF 10’000.01 to CHF 20’000 | 0.35% |
| Order above CHF 20’000 | 0.25% |
| Recurring buys of the 31 savings-plan ETFs and ETPs | CHF 0. Selling costs the normal fee |
| Crypto | 1% to buy, 1% to sell |
| Currency exchange | 0.95% on top of the interbank rate |
| Swiss stamp duty on each trade | 0.075% Swiss, 0.15% foreign securities |
| Swiss tax statement (eSteuerauszug) | CHF 25 a year |
| Largest single order | CHF 50’000 |
The rate depends on each order, not on how much you trade. The 0.35% and 0.25% rates, introduced on 15 July 2026, apply to the size of a single order. Ten orders of CHF 5’000 cost 0.50% every time, CHF 250 in total. One order of CHF 50’000 costs 0.25%, CHF 125. At the small end the CHF 1 minimum bites: a one-off CHF 50 purchase costs CHF 1, an effective 2%.
What that means for a CHF 200 monthly plan
Put CHF 200 a month into the iShares MSCI World CHF Hedged ETF (IWDC), one of the 31 on the fee-free list, and Yuh charges no trading fee. What is left is federal stamp duty, at most 30 Rappen per instalment. Over a year you invest CHF 2’400 and pay at most CHF 3.60.
Now pick a fund from the same list that trades in US dollars while you hold only francs. Yuh converts at 0.95%, which is CHF 1.90 on every CHF 200 instalment and CHF 22.80 a year. The trading fee is zero in both cases. The currency is what costs money.
The one thing to remember. For a monthly saver at Yuh, the currency charge matters more than the trading fee. Where the free list has a franc-traded or CHF-hedged version of the fund you want, pick that one, and the savings plan really does cost next to nothing.
The ETF savings plan is the reason to use it
The savings plan is where Yuh is genuinely good. Yuh currently lists 31 ETFs and ETPs that you can buy with no trading fee through a recurring plan: seven from Vanguard, six from Swisscanto, five each from WisdomTree and Xtrackers, three from Invesco, two from iShares and four ETPs issued by Leonteq. Between them they cover the broad building blocks: a world index in all-world and MSCI World versions, the SMI, the S&P 500, emerging markets, the Nasdaq-100 hedged to francs and global bonds hedged to francs, plus gold, silver and crypto products.
You choose an amount from CHF 10, weekly or monthly, and Yuh buys fractions so the whole amount is invested. You can also run a plan on any other ETF, share or Theme, at the normal fee.
- Only buys are free. The waiver covers recurring buy orders. Selling costs the normal 0.50%, and a one-off purchase of the same ETF also pays the normal fee.
- The plan has to run twice in a row. If you cancel it before the second purchase, the normal fees apply to the first one.
- Other costs still apply. Stamp duty, the fund’s own TER and the 0.95% currency charge are not waived.
- The offer can end. Yuh’s terms, dated 12 August 2026, run for at least a year, with a month’s notice before any change.
Yuh’s terms also say plainly that it is paid by the fund providers for the trades in these products. That is how a zero-fee plan pays for itself, and it does not make the funds bad ones. It does mean the list is a commercial selection, not a list of the best funds on the market.
What you can buy with Yuh
| Asset | Range | Cost |
|---|---|---|
| Shares | More than 250, mainly large companies on SIX, NYSE, NASDAQ and the main European and UK exchanges | 0.50%, 0.35% or 0.25% by order size |
| ETFs | More than 70, of which 31 are in the fee-free savings plan | Same as shares, or CHF 0 on plan buys |
| Themes | Ready-made baskets around a topic, such as green energy, from CHF 10 | Same as shares |
| Bonds | Available in the app; Yuh does not publish the range or terms | Shown in the app |
| Crypto | More than 50 coins, traded 24/7 | 1% to buy, 1% to sell |
The toolkit is simple: market, limit and stop-loss orders, a price chart and nothing more. Yuh offers no leverage, no short selling and no options, and says so itself: you cannot lose more than you put in. The largest single order is CHF 50’000.
Crypto is the part to treat with care. It costs 1% each way, which is ten times the 0.10% Binance charges on its spot market, and the coins stay inside Yuh: you cannot send them to your own wallet. Since 23 September 2026 you can also set up a crypto savings plan, weekly or monthly from 10 dollars or euros, at the same 1%. For more than a small crypto allocation, my crypto comparison shows the cheaper routes.
Leaving Yuh: the exit problem
No transfers in or out. Yuh does not transfer securities or crypto to or from another bank or wallet. If you ever move to a different broker, you sell everything inside Yuh, pay the fee on the way out, and buy again at the new broker, paying its fee and stamp duty a second time. On a CHF 50’000 portfolio that round trip costs a few hundred francs in fees and stamp duty.
That is fine for a portfolio you are building and plan to keep, and a real cost for one you might later want to move. Decide early which it is. The easiest way around it for most people is not to leave at all: keep the holdings and the savings plan running at Yuh, and open a second broker for new money if you outgrow the app.
Is my money safe at Yuh?
Yuh Ltd is not a bank. Your cash and securities are held at Swissquote Bank Ltd, which is supervised by FINMA. Securities are held as segregated assets under Article 37d of the Banking Act, which keeps them outside the bank’s bankruptcy estate. Cash is covered by Swiss deposit protection up to CHF 100’000, but Yuh and Swissquote count as one bank, so if you have both, that limit covers the two together.
Crypto is held mostly at Swissquote, with Coinbase, Bitstamp and Kraken used as sub-custodians for trading. Yuh’s own FAQ says the coins are kept apart from the custodian’s assets, but adds that this “cannot be fully guaranteed due to the lack of case law”. That is an honest statement, and another reason to keep crypto at Yuh small.
Who should not use Yuh Invest
Anyone building a large portfolio they might want to move later, because of the exit problem above. Anyone who wants proper trading tools, since there is no order book, no screener and no desktop platform. Anyone who mainly buys US shares from a franc balance: 0.50% plus 0.95% currency is 1.45% per purchase. And anyone who wants their crypto in their own wallet.
Yuh Invest vs the alternatives
Yuh vs neon invest
The obvious comparison. Both charge 0.50% on ETFs and both have a fee-free ETF plan. neon adds no currency margin on trades and lets you transfer securities in and out; Yuh charges 0.95% on currency and allows no transfers. Yuh is cheaper on bigger orders, at 0.35% and 0.25%, and on international shares when you already hold the currency, where neon charges 1%. For a franc investor buying US shares, neon’s 1% beats Yuh’s 1.45%. My neon invest review covers neon’s side.
Yuh vs Swissquote
Swissquote owns Yuh outright, and your Yuh securities already sit on its banking licence. Swissquote gives you everything Yuh leaves out: more exchanges, real charting, derivatives, a desktop platform and securities transfers. It costs more, trades start at CHF 3 and custody is charged every quarter, so it suits a bigger portfolio. My Swissquote review covers the pricing.
Yuh vs Interactive Brokers
Interactive Brokers is far cheaper at every size: a SIX trade costs 0.05% with a CHF 1.50 minimum, and currency exchange is close to the interbank rate. You give up the Swiss tax statement, the Swiss licence and an easy first hour. For a long-term investor with more than a few thousand francs who is happy doing their own tax return, it is the cheaper home. My Interactive Brokers review explains the trade-off.
The next step up from Yuh, in the same group and on the same banking licence. More exchanges, real charting, securities transfers in and out, and a Swiss tax statement.
Visit Swissquote →Reader code MKT_INVESTINGHERO: CHF 100 trading credit after a first deposit of CHF 1’000.The cheapest serious broker for Swiss residents, with currency exchange close to the interbank rate. No Swiss tax statement, so budget an hour at tax time.
Read the Interactive Brokers review →My pick for the lowest cost on the online trading comparison.My rules for Yuh Invest
- Invest through the savings plan, not one-off buys. On the 31 listed products the plan costs nothing to buy, and a one-off purchase of the same fund pays 0.50%.
- Pick the franc version. The 0.95% currency charge is the biggest cost for a monthly saver. Choose a franc-traded or CHF-hedged fund where the list has one.
- Let the plan run at least twice. Cancel before the second purchase and the first one is charged at the normal fee.
- Buy a large one-off amount in one order. The lower rates depend on the size of a single order, up to CHF 50’000.
- Decide early whether this is your long-term account. Nothing can be transferred out, so leaving later means selling everything.
- Keep crypto small here. At 1% each way and with no withdrawals to your own wallet, Yuh is a place to hold a little crypto, not a lot.
The account is free, opening it takes about ten minutes on your phone with an ID and a proof of address, and nothing obliges you to invest. You can browse the full range, open the fee-free ETF list and see every fee before a single franc moves.
Yuh Invest FAQ
What does investing with Yuh cost?
0.50% per order up to CHF 10’000, 0.35% from there to CHF 20’000 and 0.25% above, with a CHF 1 minimum. There is no custody fee. Recurring buys of 31 ETFs and ETPs cost nothing, crypto costs 1% each way, and currency exchange costs 0.95%. Stamp duty and the fund’s own TER come on top.
Is Yuh safe for investing?
Your securities are held at Swissquote Bank, which is supervised by FINMA, as segregated assets outside the bank’s bankruptcy estate. Cash is protected up to CHF 100’000, but that limit is shared if you also bank with Swissquote. Yuh itself is not a bank.
Which ETFs are free in the Yuh savings plan?
31 ETFs and ETPs from Vanguard, Swisscanto, WisdomTree, Xtrackers, Invesco, iShares and Leonteq, including world, SMI, S&P 500 and emerging-market funds. Only recurring buys are free, the plan has to run at least twice in a row, and selling costs the normal fee.
Which ETF should I buy on Yuh?
That depends on your plan, and this site does not give personal advice. What I can say is that the free list includes broad world-index funds, and that for a franc saver a franc-traded or CHF-hedged line avoids the 0.95% currency charge on every purchase.
Does Yuh charge a currency fee on ETFs?
Yes, whenever the fund trades in a currency you do not hold. Yuh converts at 0.95% on top of the interbank rate, and this applies inside the fee-free savings plan too. A CHF 200 monthly plan in a dollar fund costs about CHF 22.80 a year in currency charges.
No. Yuh does not transfer securities or crypto to or from other banks or wallets. To move, you sell inside Yuh and buy again at the new provider.
Does Yuh give me a Swiss tax statement?
Yes, for Swiss residents. The eSteuerauszug costs CHF 25 and is charged when it is delivered. The withholding tax, portfolio and account statements are free.
Yuh or neon invest?
Yuh is cheaper on large orders and on foreign shares when you already hold the currency, and has fractions from CHF 10. neon adds no currency margin and lets you transfer securities out. For a franc investor buying US shares, neon costs less.
How does the CHF 50 trading credit work?
Enter YUHINVESTINGHERO during sign-up and make a first deposit of CHF 500 in a single transfer. Yuh then adds CHF 50 of trading credit, which pays your fees on shares, ETFs and Themes. At 0.50% that covers about CHF 10’000 of buying.
Can I set up a crypto savings plan on Yuh?
Yes, since 23 September 2026. You choose weekly or monthly from 10 dollars or euros, and each purchase costs 1%. The coins stay inside Yuh and cannot be withdrawn to your own wallet.
Compare & choose
The other comparisons on Investing Hero, each built the same way: every fee read from the provider’s own pricing page.
How this review is kept current. Every Yuh figure on this page was read from yuh.com, Yuh’s detailed price list and Yuh’s own press releases on 24 September 2026, not from a comparison site. The reader code and trading credit come from my Yuh partnership. Yuh’s bank account, card and pillar 3a are covered in my Yuh review.
Sources. Trading fees, currency exchange and custody from the Yuh pricing page and the detailed price list, including the CHF 25 tax statement. The 0.35% and 0.25% rates and the CHF 50’000 order limit from Yuh’s press release of 15 July 2026. The fee-free savings plan, its 31 products and its conditions from the ETF savings plan page and its terms dated 12 August 2026. Investment range from Yuh’s invest pages. Custody, transfers and crypto custody from the invest FAQ. Crypto savings plans from Yuh’s press release of 23 September 2026. Stamp duty rates are the federal rates. Interactive Brokers and Swissquote figures from my own reviews. Educational content, not financial advice.
