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Yuh is the app that stopped Swiss banking and Swiss investing being two separate decisions. A free account with a Swiss IBAN, a free debit Mastercard, shares and ETFs from CHF 10, crypto, and a pillar 3a at a flat 0.5%, all in one place, all sitting on Swissquote’s banking licence. It’s now the largest neobank in the country by some distance. The parts worth reading the small print on in 2026: the 0.95% currency exchange markup, CHF 4.90 for every cash withdrawal abroad, 0% interest on anything you park in Save, and the fact you can’t move securities out of Yuh if you outgrow it.
The strongest single-app answer in Switzerland for someone who wants to bank and start investing without running two relationships. Your money sits at Swissquote Bank, FINMA-supervised, with esisuisse cover to CHF 100’000. The commission structure is honest and gets cheaper as orders grow, and the ETF savings plans cost nothing in commission. It’s not the cheapest at anything in particular, and it’s not where a large portfolio should end up, but as a first account it’s very hard to beat.
What is Yuh?
Yuh is a Swiss banking and investing app that runs on Swissquote’s banking licence, and it is now the largest neobank in the country. The account is free, comes with a Swiss IBAN and a free debit Mastercard, and holds 13 currencies in one balance. In the same app you can buy shares and ETFs in fractions from CHF 10, run an ETF savings plan with no commission on recurring buys, buy crypto, and hold a pillar 3a at a flat 0.5%.
It sits near the top of my best bank in Switzerland list. The costs to know before you sign up are the 0.95% currency exchange markup, CHF 4.90 for every cash withdrawal abroad, and 0% interest on anything left in Save.
What Yuh actually costs
Yuh’s pricing is one of the more honest ones in Swiss fintech, in that the fees all sit on a single page and none of them hide behind a plan grid. There are no tiers. Everyone gets the same deal, and there’s no monthly subscription to be upsold into.
Banking
| Item | Cost |
|---|---|
| Account with Swiss IBAN, management, custody | CHF 0 |
| Debit Mastercard, physical and virtual | CHF 0; a replacement physical card costs CHF 20 |
| Joint account (Yuh&Me) and teen account (Yuh 14+) | CHF 0 |
| ATM withdrawal in Switzerland | 1 free per calendar week, then CHF 1.90 |
| ATM withdrawal abroad | CHF 4.90 per withdrawal |
| Currency exchange | 0.95% over the interbank rate |
| Transfers in CHF, and SEPA transfers in EUR | CHF 0 |
| Transfers in other currencies within SEPA | CHF 4 |
| Interest on cash in Save | 0% |
Multi-currency, decoded. Yuh holds 13 currencies inside one account. If you already hold euros and you pay in euros, there’s no exchange and no markup. The 0.95% only bites when Yuh has to convert for you, which makes the multi-currency account the way to dodge the fee.
Investing and pillar 3a
| Item | Cost |
|---|---|
| Custody | CHF 0 |
| Trade up to CHF 10’000 | 0.50%, minimum CHF 1 |
| Trade from CHF 10’000.01 to CHF 20’000 | 0.35% |
| Trade above CHF 20’000 | 0.25% |
| Recurring buy orders on eligible ETFs | CHF 0 |
| Crypto, buying and selling | 1% each way |
| Pillar 3a | 0.50% per year |
Source: Yuh’s pricing page, read 31 August 2026. Stamp duty, TER and other government or third-party charges still apply on top, and the free recurring buys cover buying only, not selling.
The everyday account and the card
The banking half is a proper Swiss account, not a wallet. You get a Swiss IBAN, so salary, rent, standing orders and QR bills all work the way they do at any bank, and there’s no monthly fee to avoid.
The card is a Mastercard debit card, free, and you get two of them: a physical one posted to you, and a virtual one live in the app from day one, which is the one to use online. Contactless and mobile payments are included, and so is pocket insurance on everyday items such as phones, laptops, keys and wallets bought with the Yuh card.
Underneath it sits a multi-currency account holding 13 currencies in one balance, which is unusual on a free Swiss account. Saving projects let you ring-fence money for rent, taxes or a holiday, and Yuh 14+ does the same for teenagers. Support is free by phone, message and in-app chat, which isn’t a given at this price.
Yuh&Me, the free joint account
Yuh launched this on 20 August 2026 and it’s the most useful thing they’ve shipped all year. Two Yuh users can open a shared account for nothing, and it doesn’t replace your personal one: the joint account gets its own Swiss IBAN, and you switch between the two with a single tap.
Both of you get real-time notifications on everything moving in and out, so nobody has to ask where the money went. It comes with two free virtual Mastercards that work with Apple Pay, Google Pay and Samsung Pay straight away, and you can order a physical card on top if you want one. TWINT links directly to the joint account, eBill lets you receive, pay and split bills, and you can open as many saving projects as you like.
It’s pitched at couples, but Yuh is explicit that flatmates, siblings and any other pairing count too. Joint investing is coming, with access to Yuh’s full investment universe, though Yuh hasn’t said when or what it’ll cost. Both people need their own Yuh account before you can open one.
Worth comparing. neon charges CHF 3 per person a month for its duo joint account, so a couple pays CHF 72 a year for the same idea. Yuh&Me is free. If a shared account is the thing you actually want, that’s the clearest win Yuh has over neon right now.
The two numbers that cost travellers money. 0.95% on conversions and CHF 4.90 per cash withdrawal abroad are both worse than what a CHF 2 a month plan buys you elsewhere. If you travel often and use cash, carry Yuh as your investing account and something else as your travel card.
How Yuh’s everyday account compares with other everyday accounts, from source-verified data. Pick another account to switch the comparison.
Yuh comparison
| Yuh | neon | |
|---|---|---|
| Account fee | Free | 0 CHF (free plan) |
| Card | Free (physical + virtual); replacement fee not published | First card CHF 20; replacement CHF 20 |
| Card payments abroad | 0.95% flat | 0.35% card surcharge; ATM abroad 1.5% |
| TWINT | Yes | TWINT Prepaid only |
| Apple Pay | Yes | Yes |
| Interest | 0% (saving projects) | 0% (none since Dec 2024) |
| Notes | No interest on balances. FX is a flat 0.95% with no weekend surcharge. | Plans changed on 18 Sep 2026: the free plan now charges for the first card and a 0.35% FX surcharge. TWINT only via TWINT Prepaid. |
| Reader deal | CHF 50 trading credit + 250 Swissqoins with code YUHINVESTINGHERO | CHF 10 welcome bonus with code investinghero |
| My rating | ★ 4.6 | ★ 4.5 |
| Full review | – | Read the full neon review → |
Checked at source: Yuh 23 September 2026 · neon 23 September 2026
More than an account: invest, 3a and crypto
The trading side runs on Swissquote’s infrastructure, so you get real market access rather than a token selection: shares from SIX, NASDAQ, NYSE and the main European exchanges, ETFs, bonds, curated Themes and crypto, all tradeable in fractions from CHF 10.
The ETF savings plan is the genuinely good bit. Yuh has a curated list of around thirty ETFs and ETPs, including VWRL, VWRA, the Xtrackers S&P 500, the iShares SMI and Swisscanto’s gold and silver products, on which recurring buy orders carry no commission at all. Set a monthly amount and fractional trading executes it to the franc. Yuh states the catch plainly on its own page. Free commission applies to recurring buys only. Buy the same ETF as a one-off and you pay standard commission, and selling always costs.
The investing side now has its own review. My Yuh Invest review works through what a trade really costs, why the 0.95% currency charge matters more than the trading fee on a monthly plan, and what the no-transfer rule means if you ever want to leave.
The pillar 3a
Yuh has a full pillar 3a inside the same app, at a flat 0.5% a year. That covers custody, currency exchange, administration and unlimited strategy changes, and the Swisscanto funds it uses charge no fee of their own. It is close to all-in, but not quite: the real-estate fund in four of the five strategies carries a 0.71% cost inside its price, and the pension foundation charges for early withdrawals, CHF 400 for a home purchase. Yuh also allows only one 3a account per person. My Yuh 3a review goes through all of it.
You pick one of five strategies, from 20% equity up to 99%, and change it as often as you like. There’s no minimum to open one and Yuh starts investing from CHF 10, so it works whether you pay in monthly or dump the maximum in each December. Transferring an existing 3a in from another provider is free and handled in-app, and the tax certificate appears under Statements each January.
For 2026 Yuh quotes the maximum contribution as CHF 7’258 for employees with a pension fund and CHF 36’288 for the self-employed. My pillar 3a comparison puts that 0.5% next to everyone else’s, and finpension’s flat 0.39% is cheaper on paper. What Yuh buys you is a 3a that sits next to your salary account, which is the difference between opening one and meaning to.
You can’t move securities in or out. You can’t transfer securities or crypto into Yuh, and you can’t transfer them out. If you outgrow the platform, the exit is to sell, pay the commission and start again elsewhere. That’s fine for a portfolio you’re building; it’s a real cost on a portfolio you’re moving.
Open Yuh with the promo code YUHINVESTINGHERO and you get CHF 50 in trading credits once you fund the account with CHF 500, which covers the commission on roughly your first CHF 10’000 of buying. The CHF 500 first deposit also earns you the 250 Swissqoins.
Who is behind Yuh
Yuh launched in May 2021 as a 50-50 joint venture between Swissquote and PostFinance. On 4 July 2025 Swissquote bought PostFinance’s half, valuing that stake at CHF 90 million, and now owns the company outright. PostFinance is no longer involved.
A licensed bank behind it: Yuh isn’t itself a bank. Your account, your cash and your securities are held at Swissquote Bank Ltd, which is FINMA-licensed, with esisuisse deposit protection up to CHF 100’000. One detail if you already bank with Swissquote: because Yuh isn’t a separate institution, that CHF 100’000 is shared across your Yuh and Swissquote balances rather than doubled.
At the end of June 2026 Yuh had 423’409 accounts and CHF 4.0 billion in client assets, up 6.1% in six months, with an average deposit of CHF 9’480. It reached break-even at the end of 2024 and is targeting half a million accounts by the end of 2026. Source: Swissquote’s half-year 2026 results and 2025 annual report.
Opening an account with Yuh
Ten minutes, phone only. You need a smartphone, a valid ID or passport, and a proof of address such as a utility or mobile bill. Download the app, enter your details, verify your identity in-app, and enter the code YUHINVESTINGHERO at the referral step. The physical card arrives by post within about ten working days and has to be activated in the app before it works.
The account is only fully open once your first transfer lands. To trigger the CHF 50 in trading credits, that first deposit has to be CHF 500 in one instalment rather than built up over several transfers.
Getting started
Everything starts at yuh.com, but the account itself is opened on your phone. Before you begin, have your passport or Swiss ID to hand, a recent utility or mobile bill as proof of address, and about ten minutes. The whole thing is done in the app: there’s no branch, no paperwork and nothing to post.
Starting the application
The first run of screens sets up what you’re opening and gets you into the app. Nothing is committed yet at this point, so if you get interrupted you can put the phone down and pick it up again later.
Personal data
Then comes the detail every Swiss bank has to collect: address, nationality, employment, tax residence and the rest. It’s the longest stretch of the sign-up and the dullest, and there’s nothing to decide here, you’re just typing. I haven’t shown every screen, or you’d be scrolling for a week. These are enough to tell you what’s coming.
The bonus code
This is the screen that pays. When the app asks for a promo code, type YUHINVESTINGHERO into the field and confirm it before you move on. Don’t skip past it meaning to come back later, because a code can’t be added once the account is open, and without it there are no trading credits however much you deposit afterwards. Fund the account with CHF 500 in a single transfer and the CHF 50 follows.
Verification steps
What’s left is short and mechanical: a face scan, a photo of your passport or ID, and a utility bill as proof of address. Work through them in the order the app asks and it handles the rest. Do it somewhere bright, because a blurred photo or poor light is the usual reason someone gets sent round again.
When the card arrives
The virtual Mastercard is live in the app straight away, so you can pay online before anything shows up in the post. The physical card takes about ten working days and has to be activated in the app before it’ll work. A replacement, if you lose it later, costs CHF 20.
When to move up to Swissquote
Yuh is deliberately simple, and simplicity has a ceiling. The app gives you market, limit and stop-loss orders and a clean price chart, and that’s the whole toolkit. There’s no depth of book, no technical analysis, no screeners, no options or futures, no margin, no desktop platform, and the tradeable universe is a curated list rather than every exchange.
The good news is that the upgrade path is one floor up in the same building. Yuh is owned outright by Swissquote, and your money already sits on Swissquote’s banking licence. So if you find yourself wanting real charting, a wider exchange list, forex, derivatives, or simply a proper trading terminal on a laptop, you’re not leaving the family, you’re using the grown-up version of what you already have. My Swissquote review covers what that costs and who it suits.
My honest read: start on Yuh, build the habit and the first few thousand francs, and open Swissquote when the app starts feeling like a constraint rather than a convenience. Plenty of people end up running both, Yuh for banking and the monthly savings plan, Swissquote for everything that needs more control.
Yuh pros and cons
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My rules for using Yuh
- Use it as the investing account, not the travel card. The 0.95% conversion and CHF 4.90 foreign ATM fee are the two places Yuh is beaten. Keep a 0% FX card for holidays and let Yuh do the rest.
- Don’t leave cash in Save. It earns 0%. Save is a budgeting tool at Yuh, not a savings account, and money you’re not spending should be invested, or sitting somewhere that pays interest.
- Move up to Swissquote when you outgrow the app. When you want charts, order books, limit strategies, options, a wider exchange list or a desktop platform, that’s Swissquote, the bank that owns Yuh and already holds your money. Same group, same licence, a far bigger toolkit.
- Decide before you start whether this is the forever account. You can’t transfer securities out. Building a small portfolio here is sensible. Building a large one you’ll later want to move isn’t.
Open Yuh with the promo code YUHINVESTINGHERO and you get CHF 50 in trading credits once you fund the account with CHF 500, which covers the commission on roughly your first CHF 10’000 of buying. The CHF 500 first deposit also earns you the 250 Swissqoins.
Yuh FAQ
Is Yuh safe?
Yes, with one nuance. Yuh is an app, not a bank: your money and securities are held at Swissquote Bank Ltd, which is FINMA-licensed, and esisuisse protects deposits up to CHF 100’000. The nuance is that Yuh and Swissquote count as one institution, so if you hold both, the CHF 100’000 covers the two together rather than each separately. Securities are held as segregated assets and sit outside the bankruptcy estate regardless.
Is Yuh really free?
The account, the card, custody and support cost nothing, and there’s no monthly plan to upgrade to. Yuh earns its money on trading commission, the 0.95% currency exchange markup, the CHF 4.90 foreign ATM fee and interest on cash balances, which is also why cash in Save pays 0%. That’s a fair trade if you invest through it and a poor one if you only travel with it.
How does the CHF 50 trading credit work?
Enter YUHINVESTINGHERO during sign-up and fund your account with CHF 500 in a single transfer. Yuh then puts CHF 50 of trading credit on your account, and it pays your commission automatically as you place orders. At the 0.5% rate that covers roughly your first CHF 10’000 of buying, which is more than most people’s first year. It applies to shares, ETFs and Themes rather than crypto or currency exchange, and it runs for a set period, so it’s worth starting your savings plan while it’s live.
What does investing with Yuh actually cost?
0.50% per order up to CHF 10’000, 0.35% from there to CHF 20’000, and 0.25% above that, with a CHF 1 minimum and no custody fee. Crypto is 1% each way. Recurring buys on Yuh’s list of eligible ETFs are free of commission, though stamp duty and the fund’s own TER still apply and selling always costs.
Is the Yuh pillar 3a worth it?
It costs 0.5% a year across five strategies from 20% to 99% equity, with no minimum and free transfers in, but Yuh allows only one 3a account per person and the same funds cost less at neon. Having it in the same app as your salary is worth something. If cost is the only thing you care about, dedicated apps are cheaper, and my pillar 3a comparison has the current numbers.
Yuh or neon?
Yuh if you want to invest: the asset range, the free ETF savings plans and Swissquote’s execution are a different class. neon if your money mostly lives in francs and you travel, because neon plus at CHF 2 a month removes card FX entirely, which Yuh has no answer to. Yuh does win on joint accounts now, though: Yuh&Me is free where neon’s duo costs CHF 3 per person a month. My neon review covers the plan grid in detail. Plenty of people run both, and that’s not a bad answer.
Yuh doesn’t support transferring securities or crypto to another institution, so switching means selling inside Yuh and rebuying wherever you go next. Worth planning early rather than at CHF 50’000. The practical route for most people is to leave the existing holdings and savings plan running in Yuh and open Swissquote for new money, which keeps everything in the same group and on the same licence.
I want charts and more control. Is Yuh enough?
Probably not, and that’s by design. Yuh gives you market, limit and stop-loss orders and a simple price chart, with no depth of book, screeners, derivatives or desktop platform. If that’s what you’re after, go straight to Swissquote, which owns Yuh and already holds Yuh clients’ assets. Same licence, much more to work with.
What is Yuh&Me?
Yuh’s free joint account, launched on 20 August 2026. Two Yuh users share an account with its own Swiss IBAN while keeping their personal accounts, and switch between them with one tap. It includes two free virtual Mastercards, TWINT, eBill and unlimited saving projects, with real-time notifications for both of you. Joint investing is promised but isn’t live yet. You both need your own Yuh account first.
What are Swissqoins?
Yuh’s own reward token, earned for first deposits, referrals, trades and card payments. Yuh puts a share of its annual profit into the reserve backing it, and you can cash it out in the app at any time. Treat it as a small loyalty rebate rather than a crypto investment, and don’t let it decide which account you open.
Compare & choose
The other comparisons on Investing Hero, each built the same way: every fee read from the provider’s own pricing page.
My best bank in Switzerland shortlist puts Yuh next to every other Swiss account, and covers the free-versus-licensed question. If it’s the trading side you’re weighing, the online trading comparison puts the 0.5% next to every other broker.
How this review is kept current. Every Yuh figure on this page was read from yuh.com on 31 August 2026, not from a comparison site. Account and asset numbers come from Swissquote’s own half-year report. The referral code and credit come from my Yuh partnership.
Sources. Fees, plans and product details were read from Yuh’s own pages on 31 August 2026: the pricing page, the pillar 3a page, the ETF savings plan page and the investing FAQ. Yuh&Me details come from Yuh’s launch announcement of 20 August 2026. Account numbers, client assets and ownership come from Swissquote’s half-year 2026 results and 2025 annual report. Nothing is quoted from a comparison site. Educational content, not financial advice.
