Yuh Review 2026: One app to pay, save and invest

Yuh

Great to start investing

Yuh

4.0

No account management fees

Yuh is an easy and affordable way to invest in the stock market and spend money abroad.

Use my code YUHTHEPOORSWISS to get 25 CHF in trading credits!

Pros:

• Low fees for small operations
• Fractional trading in stocks

Use the YUHTHEPOORSWISS code

Code only for Swiss residents.

In May 2021, PostFinance and Swissquote launched the Yuh service. They are trying to unify banking and trading services together. In addition, they want to unify paying, saving, and investing (both in the stock market and in cryptocurrencies) in a single app. In July 2025, Swissquote bought back the shares from PostFinance to be the sole owner of the application.

An interesting fact about Yuh is that they will share some of their profits with their cryptocurrency, the Swissqoins.

Yuh’s main selling point is making it easy to do your everyday banking operations and invest in the stock market. Many people do not invest because it is complicated or too expensive when starting with small amounts. Yuh tries to fight that situation.

It is important to note that Yuh is not a bank itself. However, for the customers, it does not make much difference. Indeed, your money will be held by Swissquote, which is a bank. It means your money will be insured for up to 100,000 CHF, the basic deposit protection as other Swiss banks.

Since its creation, Yuh has grown quickly. In about four years, it reached 340,000 customers, which is impressive growth. And in December 2024, they have reached profitability. Profitability is an excellent milestone because it gives a good guarantee about the future of the application.

So, overall, Yuh is trying to bring many new things! But does that make them any good? We should look at the details to find out.

Banking Features

For banking features, Yuh has all the basic features you can expect: you can pay your bills with the app and transfer money to and from your account. Currently, you can do wire transfers in many currencies.

You will get a Debit Mastercard to make payments and withdraw money in Switzerland and abroad. You can also pay online with a card with CHF, USD, and EUR (and a long list of other currencies).

The interesting thing about Yuh is that you have a multi-currency account. It means you can receive and keep other currencies in your account. For instance, you could receive EUR and keep it in your account. So, when you have to pay in EUR, it will directly use that balance instead of converting from CHF to EUR.

You can also do peer-to-peer transfers to other users of the application, which is good if you know other users of the app. They also have the usual features, like savings projects, which I do not see any use for. These things are present in most digital banks.

They also have integrated ebills in their app.

Yuh supports Google Pay, Apple Pay, and Samsung Pay if you want to pay with your phone. Since May 2023, they have also provided support for TWINT with their Yuh TWINT app. So, Yuh has complete mobile payment support.

Several new features are planned, like virtual debit cards and teen accounts. You can consult their roadmap to follow their progress.

Overall, Yuh has all the banking features we need (and more) and is very transparent about future features.

Yuh&Me (joint account)

In June 2026, Yuh introduced their joint account: Yuh&Me.

This account is free like the base account; there are no extra fees. You can open it with a spouse or flatmate, as long as you live at the same place. You will each have a card for the joint account (virtual first, but you can order a physical one too). And you also keep the card for your private account, so you each have a private account and each can access the joint one.

It is a simple system, but it is great because very few digital banks have joint accounts.

Trading Features

Yuh is quite different from a standard broker. Indeed, they are trying to keep it simple. As such, they limit the list of stocks and ETFs we can trade. They try hard to make this list representative of what the users would need.

For an advanced investor, this is a disadvantage. But for a beginner investor, this is a good feature because it will help to choose. This makes Yuh easier for beginners.

Another limitation is that we can only use market orders at this time. Other orders, like limit orders, are planned in the future. I think this makes sense because having multiple order types can confuse users. And market orders are working well.

It is also important to mention that the app is made to be easy to trade. It is really easy to get started with Yuh.

Yuh also offers savings plans on ETFs and shares, an interesting feature that many investors are looking for. Very few Swiss brokers offer this feature. If you use a savings plan, Yuh has 6 ETFs with free transaction costs (for the buy operation only). All other charges still apply (including currency conversion), but the 0.5% fee is waived inside the savings plan for these six ETFs.

On top of stocks and ETFs, Yuh also allows investing in so-called themes. These themes represent trends such as the metaverse or recycling. They allow investing in companies that represent these themes. On paper, this is great. However, these themes are implemented with structured products.

Structured products are among the most complicated investments available. They are not transparent and are often expensive. Some structured products offered by Yuh have a 1% fee. I recommend avoiding these products.

Unfortunately, Yuh does not offer any US ETFs. Since US ETFs are currently the best available to Swiss investors, not having them is a big disadvantage for Yuh.

For more information, you can look at the list of available ETFs (you may have to disable your adblocker to see them). They have a long list of available ETFs, from many providers like Vanguard, iShares and Invesco.

Another disadvantage of Yuh is that you cannot transfer your shares to another broker. So, if you want to switch brokers, you will need to sell all your positions and then transfer the cash.

With Yuh, you can trade in fractions. It means you can buy less than a full share. However, you should be careful about fractional shares. They have many disadvantages, so you should be careful.

Finally, Yuh also gives you access to some cryptocurrencies, like Bitcoin and Ethereum. You can access 34 cryptocurrencies, which should be enough for most people. It is unclear whether you can have proper wallet security, but I expect not. And generally, if you cannot have your cryptos in your wallet, you should not use a platform. However, since I am not a crypto expert, I will not detail their crypto features.

Overall, Yuh has great trading features for beginners. However, it is not an app for advanced investors.

Yuh Banking fees

We start with Yuh’s banking fees.

The basic operations are all free:

• Paying for your bills
• Transfer money to and from your account in CHF
• Paying in Switzerland with the Debit Mastercard
  • Paying abroad is fee-free, but you will pay high currency exchange fees
• Free transfers in EUR in the EEA zone
• Peer-to-peer payment in the application

You will get one free withdrawal per week in Switzerland. Subsequent withdrawals will cost 1.90 CHF. If you withdraw money abroad, you will pay 4.90 CHF.

However, you can withdraw only 1000 CHF per day and, at most, 10’000 CHF per month. This limit should be good per month, but it could be an issue daily.

There is no limit on wire transfers. However, there is a limit on paying with a card, which you can configure between 500 CHF and 25,000 CHF.

Yuh currently gives an interest of 0.00% (as of July 2025) on your savings project. There is no interest rate in the default account, you have to move money to a savings project to get interest. Some people like to use this for their emergency fund.

Now comes the expensive part: currency exchange! Yuh is charging 0.95% per currency exchange. All your operations in a foreign currency will cost you 0.95%. This fee is funny because they claim transaction fees are free in 12 currencies, but you have to pay the currency exchange, so it is not free. And if you work with currencies not included in the app, you must pay 1.50%!

For me, the currency exchange fee makes Yuh highly unattractive. Currently, there are several interesting alternatives with free payments in foreign currencies and comparable features for the banking side.

Yuh Trading fees

We then look at Yuh’s trading fees.

First, there are no custody fees. So, you will not pay anything to keep your account open without doing anything. This is a good advantage!

Then, the transaction fees are straightforward:

• 0.5% fee for the stock market with a minimum fee of 1 CHF
• 1.0% fee for cryptocurrencies without a minimum

Compared with other Swiss brokers, these fees are relatively cheap for small operations on the stock market. But they are expensive for large operations. For instance:

• A 1000 CHF investment will cost you 5 CHF, which is cheap
• A 10’000 CHF investment will cost you 50 CHF, which is expensive

On top of that, you will also pay currency exchange fees of 0.95% for your operations with currencies you do not have. For instance, if you have only CHF and want to buy something in USD, you will pay a 0.95% fee. This fee is quite expensive.

Fortunately, the dividends will stay in their original currency. So you will not lose 0.95% of all your dividends in USD.

Of course, you will have to pay the management fees of the ETFs. This is logical, and it is the same for each broker.

Overall, these fees are good for beginners investing small amounts. But they are quickly expensive for advanced investors investing large amounts. This shows once again that Yuh is great for beginners. But you have to be careful about currency conversion fees.

Swissqoins

A unique feature of Yuh is its Swissqoin (SWQ). Swissqoin is a new cryptocurrency token that only exists within Yuh.

There are several ways of earning SWQ:

• By depositing 500 CHF in your account when you open it, you will get 250 SWQ
• By referring another user, you will get 500 SWQ
• By making a trade on Yuh, you will get 5 SWQ
• By paying with your Mastercard, you will get 1 SWQ

You can either redeem them for cash, send them to other Yuh users or keep them in your account.

Currently, one SWQ is worth 0.01 CHF (1 cent). There are 200 million Swissqoins, backed by a 2 million CHF reserve account. But this reserve account is expected to grow with time. Indeed, Yuh will reinvest 10% of its revenues into Swissqoin every month. Now, they say it is only 10% of the subscription revenues. However, there are currently no subscriptions, and there will not be any until 2022. So, I am reading that they will not reinvest anything before 2022, at least.

In 2023, they have added 100 million Swissquoins, with another million CHF in reserve. This was made because the supply of Swissquoins was running out faster than they had expected.

I do not see any value in that cryptocurrency thing. I would rather have a hard cashback or fee reduction on the operations than this gimmick.

Alternatives

There are many alternatives available in both banking and investment services. So, we should compare these services a bit.

Yuh FAQ

Yuh Summary

Yuh is an easy and affordable way to invest in the stock market and spend money abroad.

Product Brand: Yuh

Editor's Rating:
4

Yuh Pros

Let's summarize the main advantages of Yuh:

• Very easy to invest in the stock market
• Fractional trading
• Free EUR bank account
• Multi-currency account
• No custody fees
• Cheap fees for small trading operations
• The money is kept safe by Swissquote
• Backed by one large institution
• Savings plans
• Profitable company
• Joint account

Yuh Cons

Let's summarize the main disadvantages of Yuh:

• Expensive currency exchange fees
• No access to U.S. ETFs
• Not great for advanced investors
• Use of structured products for trending themes
• Cannot transfer shares to another broker

Conclusion

Great to start investing

Yuh

4.0

No account management fees

Yuh is an easy and affordable way to invest in the stock market and spend money abroad.

Use my code YUHTHEPOORSWISS to get 25 CHF in trading credits!

Pros:

• Low fees for small operations
• Fractional trading in stocks

Use the YUHTHEPOORSWISS code

Code only for Swiss residents.

Overall, Yuh is a good trading platform for beginners. The app is very easy to use, and the fees are low for small transactions. If you want to start to invest and want something simple, Yuh will be great for you.

The main issue with the banking package is the currency conversion fee. Their currency exchange rates are very high compared to other actors in the market, which is disappointing for a multi-currency app. So, if you want a digital bank to pay abroad, you should use another bank.

To conclude, Yuh is good for beginner investors who want to start investing without trouble. However, if you want an excellent digital bank, you can use Neon and save on fees abroad. And if you are an experienced investor, you can use Swissquote with many more features.

What about you? What do you think of Yuh?