My Yuh review, simply explained
Yuh review
Banking and investing in one app. What Yuh can do, what it costs and how to get your bonus.
Updated and checked on 1 November 2026 · Reading time approx. 6 minutes · by Helga Baechler, certified wealth advisor IAF
I have been using Yuh since it launched in May 2021. In my Yuh review I explain in simple terms what the app can do, what it costs and who it is worth it for.
In a nutshell
Yuh review: is Yuh worth it?
Yes, especially if you are just starting to invest. The account and card are free. You can invest from as little as CHF 10. A purchase costs 0.5 %, at least CHF 1, and less for large amounts. With the code YUHLIEBE you get CHF 50 in trading credits and 250 Swissqoin.
Yuh
CHF 50Trading credits + 250 Swissqoin
- Account, card and TWINT free
- Invest from as little as CHF 10
- Enter the code in the app when you sign up
- Copy the code
- Download the Yuh app
- Enter the code
Bonus after a deposit of CHF 500. The trading credits are valid for 3 months.
*Advertising, affiliate links and codes. If you sign up via my link or code, I may receive a small commission. It costs you nothing extra.
What is Yuh?
You can check all official prices on the Yuh website. In this Yuh review I explain them in simple words.
Yuh is a free banking app from Switzerland. With Yuh you can pay, save and invest. All in one app. The app is very simple. Even as a beginner you will get the hang of it straight away.
Yuh launched in May 2021 as a joint project of Swissquote and PostFinance. Since July 2025 Yuh has been wholly owned by Swissquote Bank. With more than 425’000 users, Yuh is the largest neobank in Switzerland.
How to open your account
Download the app. Download the Yuh app and start the sign-up.
Enter the code. When signing up, enter YUHLIEBE under Dein Aktionscode (your promo code).
Verify your account. Show your ID. After a few days your account is active.
Deposit CHF 500. You then receive the bonus automatically.
Activate your card. The card arrives by post. You activate it in the app.
Good to know
The bonus applies to new customers aged 18 and over who live in Switzerland. The trading credits are valid for 3 months. Find out more on my page Yuh promo code YUHLIEBE.
Account and card
The account and the Debit Mastercard are free. The card is not a credit card. The money is taken straight from your account. So you cannot go overdrawn.
- Swiss IBAN and free transfers within Switzerland
- TWINT directly with Yuh
- eBill and QR bills
- Pay in 13 currencies
- Savings projects for your goals, automatic too
Your money is held at Swissquote Bank. It is protected up to CHF 100’000. You currently earn no interest on the account.
Yuh review of the fees: how much does Yuh cost?
| Service | Cost |
|---|---|
| Account and card | Free |
| Cash withdrawals in Switzerland | Free once a week, then 1.90 CHF |
| Cash withdrawals abroad | 4.90 CHF |
| Paying in a foreign currency | 0.95 % surcharge |
| Shares and ETFs up to CHF 10’000 | 0.5 %, at least CHF 1 |
| Shares and ETFs over CHF 10’000 up to CHF 20’000 | 0.35 % |
| Shares and ETFs over CHF 20’000 | 0.25 % |
| Crypto | 1 % |
| Savings plan on 31 selected products, from CHF 10 | Free |
As of October 2026, no guarantee. Stamp duty and stock exchange fees are added on top.
A simple example
You buy a share for CHF 100. The fee is 0.5 %, which would be 50 centimes. Because the minimum fee is CHF 1, you pay CHF 1. If you pay 50 euros by card in Italy, the currency exchange costs you approx. 48 cents. You can compare your cards with my card fees calculator.
Investing with Yuh: my review
This is the biggest advantage of Yuh. You can invest from as little as CHF 10. Even in expensive shares. You then simply buy a small fraction of them.
| What | At Yuh |
|---|---|
| Minimum amount | CHF 10 |
| Range | Shares, ETFs and cryptocurrencies |
| Fractional shares | Yes |
| Savings plan | Yes, from CHF 10 on 31 selected ETFs and ETPs with no purchase fee, you will find them all in my Yuh ETF list |
You can find out more in Yuh free ETF savings plan, Yuh savings plan guide and Investing in ETFs with CHF 10. You will find the lists of all securities under Yuh shares, Yuh ETFs and Yuh cryptocurrencies. I show you how to buy crypto regularly in the Yuh crypto savings plan.
Important
With Yuh you cannot have your shares entered in the share register. That means no invitation to the annual general meeting and no shareholder gifts. For that you need Swissquote, for example. You will find the comparison in Yuh vs. Swissquote.
Are you completely new to investing? Start with my guide Investing for beginners in Switzerland.
Säule 3a (pillar 3a) at Yuh
You can also open a pillar 3a account with Yuh. The fee is a flat 0.5 % per year. You choose a strategy, from cautious to bold.
- You can only have one 3a account. With neon or finpension you can have several. That saves tax later when you withdraw the money.
Find out more in Yuh pillar 3a review.
Joint account, Yuhlia and Swissqoin
| Feature | What it does |
|---|---|
| Yuh&Me | Free joint account for two people aged 18 and over. More in Yuh joint account and in the comparison Yuh&Me vs. neon duo. |
| Yuhlia | Yuh’s AI. It answers your questions directly in the chat. |
| Swissqoin | Yuh’s own loyalty points. You earn them when you pay, for example. More in Collecting Swissqoin. |
My Yuh review: pros and cons
Pros
- Account and card free
- Invest from as little as CHF 10
- Very simple app
- Lower fee on large purchases
- Banking, investing and 3a in one app
Cons
- No entry in the share register
- No interest on the account
- Only one 3a account possible
- Cash withdrawals abroad cost 4.90 CHF
You will find Yuh compared with Zak, neon and Alpian in my neobank comparison. There are more comparisons in Yuh vs. DEGIRO and Swissquote vs. Saxo vs. Yuh vs. neon.
Frequently asked questions about Yuh
Is Yuh really free?
Yes. The account and debit card are free. You only pay when you invest, when you exchange currencies and when you withdraw cash more than once a week.
Who owns Yuh?
Since July 2025 Yuh has been 100 % owned by Swissquote Bank. Originally Yuh was a joint project of Swissquote and PostFinance.
Is my money safe with Yuh?
Yes. Your money is held at Swissquote Bank. It is supervised by FINMA. Your balance is protected up to CHF 100’000.
How much money do I need to start investing?
From as little as CHF 10. You then simply buy a small fraction of a share or an ETF.
How do I get the bonus with YUHLIEBE?
Enter YUHLIEBE under Dein Aktionscode (your promo code) when you sign up. Then deposit at least CHF 500. You will then receive CHF 50 in trading credits and 250 Swissqoin.
Can I attend the annual general meeting with Yuh?
No. With Yuh you cannot have your shares entered in the share register. You need that for invitations and shareholder gifts.
Yuh or Swissquote?
You can use both. Yuh for small amounts and everyday banking. Swissquote for a larger portfolio.
Does Yuh offer pillar 3a?
Yes. The fee is a flat 0.5 % per year. However, you can only open one 3a account.
You will find your tax statements in the app. I show you how in Yuh tax documents.
My Yuh review in conclusion
Yuh is one of the best banking apps in Switzerland. It is perfect for beginners who want to start investing. You can start with just CHF 10. For a large portfolio with entry in the share register, you will later also need a broker such as Swissquote. Give Yuh a try and don’t forget my code.
Yuh
CHF 50Trading credits + 250 Swissqoin
- Account, card and TWINT free
- Invest from as little as CHF 10
- Enter the code in the app when you sign up
- Copy the code
- Download the Yuh app
- Enter the code
Bonus after a deposit of CHF 500. The trading credits are valid for 3 months.
Further reading
About the author. I am a finance blogger and certified wealth advisor IAF, and I have been writing on liebefinanzen.ch since 2020 about ETFs, dividends, accounts and pillar 3a. I have been using Yuh myself since it launched in May 2021, mainly for small amounts and everyday banking.
Helga Baechler, certified wealth advisor IAF
*Advertising, affiliate links and codes. It costs you nothing extra. Not investment advice. Information without guarantee, fees change all the time.
