Neon vs Yuh : La meilleure banque numérique sur 2026?

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% (dès juillet 2025) on Yuh Savings projects. With Neon Spaces, you get an interest rate of 0.00% (dès avril 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.

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.

1. Neon offers about 200 stocks, while Yuh offers about 250 stocks, a slight advantage for Yuh.
2. 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.

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.

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.

Pour les actions étrangères et les ETF, il faut tenir compte des frais de change. Avec Yuh, vous payez 0,95 % pour la conversion des devises. Avec Neon, vous ne payez pas de frais de conversion de devises. Pour ce faire, ils négocient tout en CHF à la bourse suisse BX. La bourse elle-même convertira les devises au taux interbancaire sans majoration.

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.

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.

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.

We can summarize our Neon vs Yuh comparison with a short table:

Meilleure banque digitale	Bien pour commencer à investir
Neon	Yuh
Primary Rating: 5.0	Primary Rating: 4.0
Pas de frais de gestion	Pas de frais de gestion
Pros: Courtier suisse Très facile à utiliser Excellentes commissions à l'étranger Excellentes commissions pour toutes les opérations	Pros: Courtier suisse Très facile à utiliser Investissement fractionné des actions Frais avantageux pour la plupart des opérations Plusieurs devises sur votre compte
Cons: Coûteux pour les larges opérations Pas d'investissement fractionné Problèmes techniques le 25 du mois	Cons: Noms trompeurs pour les actions Les transactions à l'étranger pourraient être moins chères Coûteux pour les larges opérations
Economiser avec poorswiss	Utilise le code YUHTHEPOORSWISS
Lire ma review	Lire ma review

Meilleure banque digitale

Neon

Primary Rating:

5.0

Pas de frais de gestion

Pros:

• Courtier suisse
• Très facile à utiliser
• Excellentes commissions à l'étranger
• Excellentes commissions pour toutes les opérations

Cons:

• Coûteux pour les larges opérations
• Pas d'investissement fractionné
• Problèmes techniques le 25 du mois

Economiser avec poorswiss

Lire ma review

Bien pour commencer à investir

Yuh

Primary Rating:

4.0

Pas de frais de gestion

Pros:

• Courtier suisse
• Très facile à utiliser
• Investissement fractionné des actions
• Frais avantageux pour la plupart des opérations
• Plusieurs devises sur votre compte

Cons:

• Noms trompeurs pour les actions
• Les transactions à l'étranger pourraient être moins chères
• Coûteux pour les larges opérations

Utilise le code YUHTHEPOORSWISS

Lire ma review

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.