Both are free for ETF savings plans: Neon charges 0% on select savings plan ETFs, and Yuh charges 0% on qualifying ETF savings plans — a curated selection, not all ETFs. Check the current eligible list in the Yuh app before building your plan around a specific fund. For manual ETF trades, both charge 0.5% with a CHF 1 minimum. There is no meaningful cost difference for a standard recurring ETF investment strategy on either platform. The cost gap only appears on international stock trades, where Neon’s 1.0% flat outperforms Yuh’s effective 1.45% (0.5% commission + 0.95% FX).

Neon is strictly limited to Swiss residents with legal domicile and tax residence in Switzerland. Foreign nationals need a B or C permit, and cross-border workers living outside Switzerland are not eligible. Yuh is available to residents of Switzerland and five neighbouring countries: Germany, France, Italy, Austria, and Liechtenstein. Residents of those neighbouring countries need an initial deposit of at least CHF/EUR 500 from a bank account held in their country of residence. US persons cannot open accounts on either platform.

Yuh supports fractional shares for all available stocks and ETFs, with a minimum trade size of CHF 10. Neon does not offer fractional shares — you buy whole units only, with a CHF 1 minimum trade value. For investors with smaller monthly contributions, this creates a practical difference: with Neon, cash below the price of one full unit sits uninvested until you accumulate enough to buy another whole unit.

Yuh’s banking and financial services are provided by Swissquote Bank SA, a fully FINMA-authorised Swiss bank. Cash deposits are protected up to CHF 100,000 per client under the esisuisse deposit guarantee scheme — but this limit is shared across your Yuh and Swissquote accounts. Securities and fractional shares are legally segregated from the bank’s balance sheet under Swiss bankruptcy law, meaning they are returned to you in the event of insolvency and do not form part of the bankruptcy estate. Swissquote is publicly listed on the SIX Swiss Exchange (SQN) and Swissquote completed the acquisition of PostFinance’s stake in Yuh in July 2025.

Yuh does not support portfolio transfers out — you must sell all positions to switch brokers. This means leaving Yuh triggers a sale event, with Swiss stamp duty on both legs and potential timing considerations. Fractional share positions cannot be transferred in any case. Neon offers a share transfer out feature (CHF 100 per position) for whole-unit holdings, which avoids a forced sale when switching. Before making any move on either platform, confirm current terms directly with the broker.

Both platforms now offer a Pillar 3a account directly within the app. Neon’s Pillar 3a is integrated into the main neon interface. Yuh’s Pillar 3a is also available in-app, backed by Swissquote’s infrastructure. If Pillar 3a is central to your long-term plan, compare the specific fund selection, underlying fund costs, and contribution terms of each offering before committing — the product details differ and the choice can have meaningful long-term impact. See our Swiss Pillar 3a investing guide for a framework.