Neon vs. Yuh: Beste digitale Bank in 2026?
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(Offenlegung: Einige der unten aufgeführten Links können Affiliate-Links sein)
Neon and Yuh are both popular Swiss digital banks. Yuh started with banking and trading features, while Neon started with only banking features. But in 2023, Neon introduced an investing feature to its app.
Therefore, both digital banks now have a similar set of features! So, it is time to compare Neon vs Yuh in detail for banking and investing.
In this article, I compare Neon vs Yuh, their fees, features, and advantages and disadvantages. By the end of the article, you will know which you should use.
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Beste digitale Bank
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Einen einfachen Makler
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Primary Rating:
4.5
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Primary Rating:
4.0
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Neon
Neon is among the first digital banks in Switzerland. They have started a new trend of digital mobile banks.
Neon itself is not a licensed bank. The money is deposited in the Hypothekarbank Lenzburg (HBL), a licensed bank.
Neon has grown quickly since its creation in 2019. In 2022 alone, they already reached 100,000 users. Such growth is an excellent result for a Swiss digital bank.
In 2023, Neon started Neon Invest, its new feature for investing in the stock market. This new feature makes it a fully-fledged app for saving, paying, and investing.
In 2025, Neon introduced its own 3a. We will not compare this feature here, but if you are keen to learn more, you can read our Neon 3a Review.
Yuh
Yuh is a more recent digital bank, started in 2021. It was born from a collaboration between PostFinance and Swissquote, each owning 50% of Yuh. Then, in 2025, Swissquote bought back the shares from PostFinance to become the sole owner.
Yuh is not a licensed bank, but they use the Swissquote banking license to provide banking services.
Since its inception, Yuh has offered banking and investing features. It was always meant to be an app for everything banking: pay, save, and invest.
Yuh also has a 3a account. In this article, I focus on banking and investing features. But if you would like to know more, you can read my article about Yuh 3a.
Yuh has grown quickly since its creation. Indeed, in 2025, they already reached 340,000 customers! And they have reached profitability in 2024.
Banking features
Both banks are mobile apps, so you must download them on your phone. Both apps are available in all major app stores, including Huawei (without Google Play Store).
Yuh and Neon are available in English, French, German, and Italian.
Both apps have all the basic banking features:
- Receive money
- Transfer money to another bank account
- Transfer money to other users
- Pay your QR Bills
- Electronic Bills (e-bills)
Both apps also let you use Google Pay, Apple Pay, Samsung Pay. For TWINT, it is more complicated. Neon does not have its own TWINT app, instead it relies on the prepaid TWINT app, which is quite limited since you have to charge it in advance. On the other hand, Yuh has its own TWINT app, so they have an advantage.
Both apps offer Mastercard cards to pay in shops or online. 3-D Secure is used for fraud protection in both cases.
They also both offer sub-accounts for savings. They are called Spaces with Neon, while Yuh calls them Saving Projects.
Yuh offers a feature that Neon does not have: a multi-currency account. Currently, you can hold 13 currencies in your Yuh account. However, they are under the same IBAN, so they do not offer you local IBAN like Wise would do. But that can still be useful if you receive some foreign currencies.
With Yuh, you get an interest rate of 0.00% (Stand Juli 2025) on Yuh Savings projects. With Neon Spaces, you get an interest rate of 0.00% (Stand April 2025). So, currently, both accounts are pretty bad at interest rates.
Overall, Neon and Yuh have all the features you need for banking and have a very similar offer. Yuh has a slight advantage over Neon if you need to hold multiple currencies.
Interestingly, Neon also offers a joint account. However, this account is a bit pricier and does not have all the features of the individual account. Nevertheless, it could be an advantage if you are looking for a joint account.
It is worth mentioning that Neon is only open to Swiss residents with permits B or C. At the same time, Yuh allows more permits, such as L. Yuh also allows opening accounts from neighboring countries like France, Italy, and Germany. This makes Yuh more accessible to foreigners.
Investing features
We can now compare the investing features of both apps. Since I do not recommend investing in crypto, I will only focus on investing in stocks and ETFs. But I will quickly mention that Yuh offers some cryptocurrency features while Neon does not.
Both apps let you invest directly from the main app. It is not a separate app.
Currently, both apps let you buy and sell through market orders only. While limit orders could be useful in some cases, it is not a significant issue since market orders work great for liquid stocks and ETFs. Also, both services have announced they are planning to support limit orders in the future.
Both apps are designed to be easy to invest with. After testing both, they are both comparably easy to use.
Neon and Yuh do not offer access to the entire stock exchange to make it easier for their users. Instead, they offer a selection of stocks and ETFs.
- Neon offers about 200 stocks, while Yuh offers about 250 stocks, a slight advantage for Yuh.
- Neon has more ETFs (about 70) than Yuh (about 40), a slight advantage for Neon.
Neither offer access to US ETFs (the best ETFs for Swiss investors).
It is also important to mention that Neon only offers trading on BX Swiss, while Yuh provides trading on multiple stock exchanges. However, it should not matter much to most investors, except for a slight difference in spread (see the fees comparison).
We should also mention that Yuh offers access to themes such as Metaverse or Recycling on top of stocks and ETFs. However, these themes are implemented as structured products. Structured products are complex products that most people should avoid.
One extra feature that Yuh offers is fractional trading. Fractional trading means you can put a fraction of a share instead of buying a full share. This can help when purchasing costly shares. This is an advantage for Yuh if you want to use fractional trading.
Neon has another advantage in that you can transfer shares out to another broker. For me, this is a sign of professionalism. With Yuh, it is not possible to transfer your shares to another broker.
Both Yuh and Neon have savings plans, letting you automate your investments.
Overall, Neon and Yuh have the basic investing features necessary for passive investors.
However, Yuh has some extra features Neon does not have, like fractional trading and cryptocurrencies. If these features matter to you, you may want to lean towards Yuh.
Banking fees
Neither bank account has any running fee, so the base account and the basic features are free. This is one of the significant advantages of digital banks.
With Neon, you pay 2 CHF per withdrawal. With Yuh, you get one free withdrawal per week. After that, withdrawals cost 1.90 CHF with Yuh. This gives Yuh a significant advantage.
The main difference between Neon vs Yuh comes when we do some foreign currency transactions. The fees will differ if you pay abroad or online in a foreign currency.
- With Neon, you will get the Mastercard rate with an extra 0.35%. The Mastercard rate is about 0.40% worse than the interbank rate. This makes a total fee of 0.75% for Neon.
- With Yuh, you will pay a 0.95% currency exchange fee for any of the 13 default currencies and 1.50% for any other currency.
So, Neon is cheaper than Yuh when using your card in foreign currency or abroad.
The situation is a little different when you do transfers in foreign currencies. Neon uses Wise to transfer, with an extra convenience fee of 0.40%. For Yuh, you will pay the currency conversion fee of 0.95% for the main currencies and 1.50% for the others.
So, some currencies will be cheaper with Yuh and others with Neon. Overall, they both have average fees for foreign transfers. Neon will likely have a slight advantage on average.
Overall, both have pretty similar fees, except for withdrawals and foreign currency operations. So, when considering everything, Neon is cheaper than Yuh for currency exchange, but Yuh is cheaper than Neon for withdrawals. So, overall, they are on the same level.
Investing fees
You want to minimize your investment fees to invest in the stock market. Therefore, we will compare Neon and Yuh’s investing fees.
Neither of these apps has a custody fee, which is great because it means you will pay nothing to keep your shares with them.
With Yuh, you will pay 0.50% to buy a stock or an ETF, with a minimum of 1 CHF. With Neon, you will pay 0.50% for a Swiss stock or an ETF and 1.0% for a foreign stock.
So, for Swiss stocks and Swiss ETFs, both will have the same fee.
Bei ausländischen Aktien und börsengehandelten Fonds müssen wir Devisengebühren berücksichtigen. Bei Yuh zahlen Sie 0,95 % für die Währungsumrechnung. Bei Neon zahlen Sie keine Währungsumrechnungsgebühr. Sie erreichen dies, indem sie alles in CHF an der Schweizer Börse BX handeln. Und die Börse selbst rechnet die Währungen zum Interbankenkurs ohne Aufschlag um.
You will pay 0.5% with Neon for a foreign ETF and 1.0% for a foreign stock. And you will pay 1.45% for a foreign ETF or stock with Yuh. This means Neon is significantly cheaper than Yuh for foreign operations!
I must mention that using BX Swiss has one slight disadvantage for Neon. On a small stock exchange, the spread of each operation will be slightly higher. This should not matter if you invest only once a month like me. But if you invest frequently, this could be an issue.
There is one extra difference for foreign dividends (not in CHF). With Yuh, you will receive the dividends directly into your account if they are in one of the 13 default currencies (which is very likely). However, Neon will convert them back to CHF with a 1.50% conversion fee.
With a portfolio with a standard dividend yield of about 2%, this extra fee is like a 0.03% custody fee (on foreign shares). This makes it more interesting to use accumulating ETFs with Neon.
With a very large portfolio (in the six figures), this can become a significant fee. So, you need to be careful and think about where you want to take your portfolio.
Overall, Neon will be cheaper than Yuh. This is especially true for operations in foreign currencies. It is also true for very small operations, but the differences are less important. But you may have to be careful about your foreign dividends if you have an extensive portfolio.
Safety
You must invest your money in a safe company. So, we must compare the safety of Neon vs Yuh.
Since neither company is a bank, they use another custody bank to store assets from their customers. Yuh uses Swissquote as their custody bank. Neon uses Hypothekarbank Lenzburg (HBL) for custody of assets.
These two banks have a good reputation for safety. Since they are Swiss banks, your assets with them will be insured for up to 100’000 CHF in case of bankruptcy.
The custodian bank also holds your shares in a different custodian account. In theory, everything should be fine in case of bankruptcy by the custodian bank.
If either Neon or Yuh goes bankrupt, your money will be safe with the custody bank. Regaining access to your money and assets will likely take time, but you should be fine.
So, when comparing the safety of Neon vs Yuh, both appear equally safe. Yuh has a slight advantage since it is backed by one large financial institution, bringing more financial safety. Additionally, Yuh is profitable, making it potentially better for the future.
Reputation
We should also compare the reputation of Neon vs Yuh.
My primary source of data is Trustpilot for user reviews. We can look at the Trustpilot profile for Neon and the Trustpilot profile for Yuh.
Neon gets a 3.2 score out of 5 only. Interestingly, most of the reviews are either five stars or one star. The bad reviews are about technical issues of the app, mostly the app being down for maintenance (which happens regularly). Some people also complain about onboarding, which asks many questions (like all banks).
The positive reviews are mostly about people’s savings when using Neon abroad and the overall prices.
Yuh gets a 2.5 score out of 5 only. The complaints are about two different areas. First, people complain about technical issues blocking their money and poor execution of trades and transfers. Then, people complain about poor customer service, where it is impossible to get somebody to help. These reviews are interesting because I got similar comments on my blog about Yuh.
On the plus side, Yuh users like the simplicity of the platform and the low fees.
We must be careful and take these reviews with a grain of salt. First, there are not many reviews for these two companies. Then, Trustpilot is not always very representative of real users.
Nevertheless, these reviews still show some technical problems on both sides. It also shows some execution issues and possible money blocked for Yuh users. Since I have also received several reports about that, I tend to give some value to these reports.
Overall, it appears that Neon has a better reputation than Yuh. But Neon’s issues on salary day are hurting its reputation as well.
Neon vs Yuh Summary
We can summarize our Neon vs Yuh comparison with a short table:
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Beste digitale Bank
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Einen einfachen Makler
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Primary Rating:
5.0
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Primary Rating:
4.0
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Keine Kontoführungsgebühren
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Keine Kontoführungsgebühren
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Pros:
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Pros:
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Cons:
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Cons:
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- Schweizer Broker
- Sehr einfach zu bedienen
- Ausgezeichnete Gebühren im Ausland
- Ausgezeichnete Gebühren für alle Operationen
- Teuer für große Operationen
- Kein fraktionierter Handel
- Schweizer Broker
- Sehr einfach zu bedienen
- Fractional Trading mit Aktien
- Gute Gebühren für die meisten Operationen
- Mehrere Währungen auf Ihrem Konto
- Irreführende Bezeichnungen für Aktien
- Auslandsgeschäfte könnten billiger sein
- Teuer für große Operationen
We can draw a few conclusions for Neon vs Yuh:
- Yuh is better for withdrawing money.
- Neon is cheaper than Yuh when used abroad or in foreign currency.
- Neon is cheaper than Yuh when investing in foreign stocks and ETFs.
- Yuh allows you to hold multiple currencies in your account.
- Yuh allows fractional trading, while Neon does not.
- Neon has a slightly better reputation.
- Dividends in foreign currencies are not free with Neon.
Conclusion
Alle Dienstleistungen, die Sie zum Zahlen, Sparen und Investieren benötigen, in einem übersichtlichen Paket zu extrem günstigen Preisen!
Benutze den Code "poorswiss", um deine Debitkarte kostenlos zu erhalten!!
- Kostenlos im Ausland bezahlen
- Investieren Sie zu niedrigen Kosten
With their excellent handling of foreign currency conversion and all-around good fees, Neon is better than Yuh for banking and trading! If you trade in anything besides a Swiss stock or ETF, the difference in fees will be significant. And if you pay abroad or in foreign currencies, your fees will also be lower with Neon than with Yuh.
With the new invest feature, Neon is now a great mobile app to do it all: pay, save, and invest!
Neon and Yuh have all the necessary features to start trading in the stock market. They are both making it easy to start investing.
On the other hand, Yuh has some features that Neon does not have. Yuh allows fractional trading and basic cryptocurrency features, and lets you hold multiple currencies in the app. This may be an advantage for Yuh if you strongly need these features.
One may argue that having a 3a benefits Yuh, but I disagree. People should not necessarily use one bank to do it all. No bank in Switzerland does everything perfectly. You should use the best service available (banking, investing, retirement) regardless of whether they are in a single bank or multiple banks.
If you want further instructions on these two digital bank accounts, you can read my reviews:
As usual, I should mention that I am not using any of these brokers. I am currently using Interactive Brokers as my main broker and Saxo as my secondary broker. And Swissquote is the broker for my LLC.
What about you? Which do you prefer, Neon or Yuh?
Mehr zum Lesen
Neon Invest Erfahrungen 2026: Review
Mit Neon investieren. Lies unseren Testbericht über die Neon Invest Funktion. Reichen die niedrigen Handelsgebühren und ausgewählten ETFs für ernsthafte Investoren aus?
Leitfaden für Interactive Brokers Mehrfach-Benutzerschnittstellen
IBKR meistern. Eine Anleitung zu den verschiedenen Interactive Brokers-Oberflächen (Mobile, Web, TWS) und welche für Schweizer DIY-Investoren am besten geeignet ist.
Yuh Erfahrungen 2026 – Review
Postfinance und Swissquote lancieren eine neue digitale Bank: Yuh. Yuh kombiniert Bankgeschäfte, Investitionen und Kryptowährungen in einem einzigen Service!
Erfahren Sie, wie Sie Ihre Finanzen ganz einfach optimieren und in der Schweiz Tausende sparen können, mit unserem exklusiven E-Book. Entdecken Sie die kostengünstigsten Finanzdienstleistungen, maßgeschneidert für clevere Einwohner und Expats!
Ihren KOSTENLOSEN Schweizer Sparratgeber
Gehst du in den Euroraum, kannst du bei yuh Euro kaufen und dann in den Ferien mit der Karte bezahlen.
Neon mit Mastercardkurs (0,75% teurer als Interbank) und 0,35% Währungszuschlag wäre teurer als Yuh mit Interbankkurs und 0,95% Währungszuschlag.
Neon führt step by step Gebühren ein.
Normalerweise liegt der Mastercard-Wechselkurs nur etwa 0,40 % unter dem Interbank-Wechselkurs. Damit liegt die Gesamtgebühr von Neon bei 0,75 % und ist damit günstiger als Yuh, wie im Artikel angegeben.
Ach ja? Sie selbst haben in Ihren Beiträgen wiederholt die Differenz mit 0,75% angegeben?
Die Gesamtdifferenz beträgt 0,75 %. Neon hat 0,35 % und Mastercard hat 0,40 %. Ich werde versuchen, dies im Artikel deutlicher zu machen.
Gute Arbeit! Jedoch fehlt der Hinweis darauf, dass man bei YUH auch mit Ausland-Wohnsitz ein Konto eröffnen kann. Bei Neo geht das nicht!
Hallo Johannes,
Du hast recht, ich werde das ergänzen. Vielen Dank für den Hinweis.
Tatsächlich wurde das bereits in den Artikeln im Abschnitt „Funktionen“ erwähnt ;)
Hallo,
Yuh gibt unter seinem Preisverzeichnis an, dass SEPA Überweisungen in Europa kostenlos sind:
https://www.yuh.com/de/pricing/
Fallen dort auch die 0,95% für einen Währungswechsel an oder gelten die 0,95% nur für Zahlungen mit der Karte in eine Fremdwährung?
Hallo,
Die Überweisung ist kostenlos, aber die Gebühr für den Währungsumtausch fällt trotzdem an. Sie zahlen also hier die 0,95% Gebühr.
Danke für die Rückmeldung.
Nachdem ich mir das gestern nochmal genauer angeschaut hatte bin ich zum selben Schluss gekommen.
Zu Neon ist mir in der Preisliste aufgefallen, dass es zwar keinen Wechselkursaufschlag gibt, aber zu Auslandsüberweisungen eine Gebühr von 0,8 bis 1,7% anfallen soll – Da sehe ich auf Anhieb auch keinen Vorteil mehr.
Das ist ein guter Punkt. Neon arbeitet für Auslandsüberweisungen mit Wise zusammen und fügt eine Komfortgebühr hinzu. Das bedeutet, dass es 0,4% teurer ist als Wise.
Ich werde bei Yuh nochmal nachfragen, ob alle Auslandsüberweisungen nur 0,95% Gebühren kosten. In diesem Fall wären sie oft günstiger als Neon. Ich habe das nicht richtig verglichen.
Ich habe von Yuh die Bestätigung erhalten, dass Überweisungen von Konto zu Konto ebenfalls die 0,95% Währungsumrechnungsgebühr verwenden.
Das hört sich doch gut an. Den Vergleich sollte man dann vielleicht nochmal überarbeiten – ich würde schätzen die 0,95% werden in den meisten Fällen das bessere Angebot sein. Schönen Abend
Ich habe eine Anmerkung im Artikel hinzugefügt. Aber da Wise ihre Gebühren gesenkt hat, würde es oft günstiger bleiben als Yuh, selbst wenn man 0,40% hinzufügt. Für kleine Zahlungen wird Yuh wegen der Pauschalgebühr von Wise interessant sein. Aber bei größeren Zahlungen in gängigen Währungspaaren (wie CHF/EUR) kann der Unterschied immer noch deutlich zugunsten von Neon ausfallen. Und beide sind natürlich viel schlechter als Wise oder IB.
Neon hat ebenfalls Sparpläne:
https://www.neon-free.ch/de/sparplan
Du hast recht, Erwin. Ich habe vergessen, diesen Artikel zu aktualisieren. Ich werde das bald nachholen. Danke.
Kann ich den Nachteil von 0,95% für die Währungsumrechnung bei Yuh durch den Währungswechsel bei Wise / Revolut einfach umgehen?
Sie könnten ein wenig sparen (sowohl Wise als auch Revolut sind etwa doppelt so günstig wie Yuh). Allerdings wird dies Ihre Einrichtung verkomplizieren. Und Sie müssen sicherstellen, dass Sie diesen Diensten Ihr Geld anvertrauen. Wenn Sie sich wirklich Sorgen um diese Gebühr machen, warum nicht einen ausländischen Broker benutzen?
‚Neon ist billiger als Yuh, wenn Sie in ausländische Aktien und ETFs investieren.‘
Das trifft nicht für Dividendenaktien zu, oder? Die Gebühr von 1.5% von Neon für die Umrechnung der Dividenden in CHF frisst den kleinen Vorteil beim Kauf über die Jahre wieder auf. Sehe ich das falsch?
Gutes Argument. Es hängt stark davon ab, wie viel man kauft und wie viel Dividenden man erhält. Aber Sie haben insofern Recht, als dass Sie, wenn Sie eine dividendenorientierte und langfristige Anlagestrategie verfolgen, mit Neon zwar bei den Transaktionsgebühren sparen, aber bei der Dividendenumwandlungsgebühr verlieren. 1,5 % ist in der Tat ein hoher Prozentsatz. Ich werde das in dem Artikel erwähnen.
Danke für den Hinweis. 1.5 % ist viel. Zu viel. So macht es keinen Spass, in ausländische (Dividenden)Aktien zu investieren bei Neon. Verstehe nicht, dass man an der Stelle so ‚gierig‘ ist bei Neon und riskiert, Kunden an Yuh zu verlieren. Auch bei den Zinsen ist man gegenüber Yuh ins Hintertreffen geraten. Schade.
Ich bin nicht ganz einverstanden mit Ihnen. Die Umtauschgebühr geht meiner Meinung nach nicht auf das Konto von Neon, sondern auf das von HBL. Wenn sie könnten, hätten sie wahrscheinlich bessere Konditionen ausgehandelt und hoffentlich wird sich das in Zukunft verbessern. Ich glaube nicht, dass dies auf Gier zurückzuführen ist.
Aber ich stimme zu, dass dies bei einem wesentlich größeren Portfolio nicht zu vernachlässigen ist.
Ich denke auch, dass HBL diese Gebühren vorgibt. Zu Bedenken wäre in dem Zusammenhang, dass viele die Dividenden wieder investieren. D.h. die Gebühren betragen dann schon 2.5 % gegenüber 0.0 % bei Yuh (dank Fremdwährungskonto). Und das geht immer so weiter, Jahr für Jahr schmälert das den Zinseszinseffekt.