Swissquote vs Yuh (2026):
Full Comparison for Swiss Investors
The choice comes down to four things: portfolio size, how you invest, what you need access to, and whether the custody fee matters yet. Yuh wins on simplicity and savings plan costs for small portfolios. Swissquote is the answer once you want a full broker — deeper markets, 13,000+ ETFs, and a platform built to scale indefinitely.
Pick your answer in 30 seconds
- You want access to 13,000+ ETFs across 60+ global exchanges.
- Your portfolio is above CHF 150,000 where Swissquote’s custody fee caps at CHF 200/year, making the annual cost negligible as a percentage of portfolio value.
- You need a desktop platform, advanced charting, or TradingView integration.
- You want options, futures, or CFDs — now or in the future.
- You trade lump sums above CHF 1,800 where ETF Leaders beats Yuh’s 0.5%.
- You are an expat or resident outside Yuh’s five-country eligibility zone.
- You are building a simple ETF portfolio with monthly contributions and want 0% savings plan fees.
- You want fractional shares from CHF 10 — full capital deployment every month.
- You want banking and investing in one app: Pay, Save, Invest, all from one screen.
- You refuse to pay an annual custody fee on a small portfolio.
- You are based in Switzerland, France, Italy, Germany, Austria, or Liechtenstein.
Fee comparison: what you actually pay
All fees from verified sources as of 2026. The differences that matter most are commissions, the custody fee, and savings plan costs — with a meaningful FX divergence on securities trades since Swissquote moved to interbank mid-rate execution.
| Fee | Swissquote | Yuh |
|---|---|---|
| ETF commission (ETF Leaders) | CHF 3 (<CHF 500) / CHF 5 (CHF 500–1,000) / CHF 9 (>CHF 1,000) | 0.5% of trade value (min CHF 1) |
| Stock commission | Tiered volume-based, min CHF 9 | 0.5% (min CHF 1) |
| ETF savings plan commission | ETF Leaders rate applies (CHF 3–9) | 0% on eligible ETFs (min CHF 10) |
| FX markup | 0% on securities trades (interbank mid-rate); 0.95% on standalone cash currency exchanges | 0.95% on all non-CHF transactions |
| Annual custody fee | CHF 80/yr min (CHF 20/quarter, portfolios up to CHF 50k); caps at CHF 200/yr from CHF 150k+ | 0% |
| Fractional shares | Via savings plans only | Yes — all assets from CHF 10 |
| Minimum deposit | CHF 1,000 (eTrading account) | CHF 0 (CHF 500 for non-CH residents) |
For ETF trades, the crossover is CHF 1,800 per order. At CHF 1,800, Yuh’s 0.5% equals CHF 9 — the same as Swissquote’s ETF Leaders ceiling. Above CHF 1,800, Swissquote’s fixed CHF 9 beats Yuh’s percentage-based fee.
But commissions are only half the picture. Yuh charges zero custody fee. Swissquote charges a minimum of CHF 80/year (CHF 20/quarter — the flat floor for any portfolio under CHF 50,000). This means Yuh is cheaper at the account level for most investors until their trade sizes consistently exceed CHF 1,800 and total costs eclipse that CHF 80 gap.
| Scenario (annual) | Swissquote total cost | Yuh total cost | Winner |
|---|---|---|---|
| CHF 200/month savings plan (12 executions) | CHF 116 (12x CHF 3 + CHF 80 custody) | CHF 0 (0% savings plan + no custody) | Yuh by CHF 116 |
| CHF 500/month savings plan (12 executions) | CHF 140 (12x CHF 5 + CHF 80 custody) | CHF 0 | Yuh by CHF 140 |
| 4x CHF 2,000 lump-sum ETF trades | CHF 116 (4x CHF 9 + CHF 80 custody) | CHF 40 (4x CHF 10 + no custody) | Yuh by CHF 76 |
| 4x CHF 5,000 lump-sum ETF trades | CHF 116 (4x CHF 9 + CHF 80 custody) | CHF 100 (4x CHF 25 + no custody) | Yuh by CHF 16 |
ETF trades use ETF Leaders pricing (Swissquote). Swissquote securities trades execute at interbank mid-rate (no FX markup); Yuh charges 0.95% on non-CHF transactions. Portfolio assumed below CHF 50,000 for Swissquote custody (CHF 80/yr minimum floor applies).
What you can actually buy
This is where the gap is widest. Swissquote is a full-service bank and broker. Yuh is a curated selection built for passive long-term investors — and deliberately kept simple.
| Asset class | Swissquote | Yuh |
|---|---|---|
| ETFs | 13,000+ across 60+ exchanges | ~70 curated UCITS ETFs |
| Stocks | Hundreds of thousands across 60+ exchanges | ~300 blue-chip global stocks |
| Crypto | 52+ cryptocurrencies | ~40 cryptocurrencies (real assets, not CFDs) |
| CFDs | Yes — indices, commodities, forex | No |
| Options and futures | Yes — EUREX, CME, CBOE | No |
| Fractional shares | Via savings plans only | Yes — all assets from CHF 10 |
| Bonds | Yes — government and corporate bonds | Bond ETFs only |
| Themed baskets | No | ~20 curated “Themes” (stock baskets) |
Platform, automation, and usability
- Web + mobile: Full eTrading desktop platform plus a comprehensive mobile app. Both platforms are fully featured.
- Charting: Full TradingView integration — 80+ technical indicators, 50+ drawing tools, multi-chart layouts.
- ETF Saving Plan: Automated recurring ETF purchases. Weekly, biweekly, monthly, or quarterly scheduling.
- Research: Real-time newsfeeds (Dow Jones, SQX), analyst ratings, screeners, Autochartist, and Swissquote Academy.
- Advanced: MetaTrader 4/5, Advanced Trader (FX/CFD), CFXD platform for active traders.
- Mobile only: App-only (iOS and Android). No web or desktop interface of any kind.
- Charting: TradingView market tracking embedded for basic price charts. No technical indicators, no drawing tools.
- Autopilot: Recurring automated investments into stocks, ETFs, or crypto. Weekly or monthly, from CHF 10.
- Integrated banking: Pay (debit Mastercard), Save (multi-currency savings), Invest. TWINT and eBill supported in one app.
- YuhLearn: Basic educational content and ESG rankings on supported stocks. No screeners or data feeds.
How your money is protected
Both platforms are regulated under Swiss banking law. The protection architecture is nearly identical — because they share the same banking entity. One shared limit is the critical detail most investors miss.
- Regulator: FINMA — Swiss Financial Market Supervisory Authority.
- Entity: Swissquote Bank Ltd — a licensed Swiss bank.
- Cash protection: esisuisse — up to CHF 100,000 per client.
- Securities segregation: Under Swiss Banking Law (Art. 37b), all custody assets are legally segregated and protected in bankruptcy.
- Publicly listed: Yes — SIX Swiss Exchange (ticker: SQN).
- Regulator: FINMA — via Swissquote Bank Ltd.
- Entity: Yuh Ltd (fully owned by Swissquote Group since July 2025). Banking and custody provided by Swissquote Bank Ltd.
- Cash protection: esisuisse up to CHF 100,000 — but this is a combined cap with any Swissquote account you hold.
- Securities segregation: Confirmed — held in Swissquote Bank Ltd custody under Swiss law.
- Publicly listed: No — Yuh Ltd is a wholly-owned subsidiary.
Because Yuh operates under Swissquote Bank Ltd’s banking licence, the esisuisse deposit protection of CHF 100,000 is a single combined limit — not CHF 100,000 per platform. If you hold CHF 60,000 in cash at Swissquote and CHF 60,000 in cash at Yuh, only CHF 100,000 of that total is protected. Securities (ETFs, stocks) are not subject to this limit — they remain fully segregated in custody regardless of how much you hold.
Who each platform actually fits
- Investors above CHF 150,000 where Swissquote’s custody fee caps at CHF 200/year, making the annual cost negligible as a percentage of portfolio value.
- Anyone who needs the full ETF universe — factor ETFs, thematic ETFs, single-country exposures, and more niche UCITS products not available on Yuh.
- Investors who want a desktop platform and serious charting or research tools.
- Traders who want CFD, options, or futures access alongside their long-term ETF portfolio.
- Expats and investors outside Yuh’s five-country eligibility zone — Swissquote serves global clients.
- New or passive investors building a simple core ETF portfolio with monthly contributions below CHF 1,800.
- Investors who want fractional shares — deploy exactly CHF 200/month with no leftover cash sitting idle.
- People who want banking and investing unified: spend, save, and invest from a single app without switching platforms.
- Cost-conscious investors who refuse to pay an annual custody fee on a small or growing portfolio.
- Residents of Switzerland, France, Italy, Germany, Austria, or Liechtenstein who want fast mobile-first onboarding. Note: residents of the five neighbouring countries need a minimum CHF/EUR 500 initial deposit from a local bank account.
For smaller portfolios with regular monthly contributions, Yuh’s zero savings plan commission and zero custody fee is almost certainly cheaper in absolute CHF terms. The corrected scenarios above show Yuh saving CHF 16–140/year over Swissquote — with the largest gap on frequent small savings plan buys, and the smallest on infrequent large lump sums.
Swissquote’s cost position improves once trade sizes consistently exceed CHF 1,800 per order (where the CHF 9 ETF Leaders cap beats Yuh’s 0.5%), and for large portfolios above CHF 150,000 where the custody fee caps at CHF 200/year and becomes negligible as a percentage. Yuh is a great first broker and a compelling all-in-one app. Swissquote is what you grow into — or start with if you already know that is where you will end up.
Both platforms are open to Swiss residents and most European nationals. Account opening is fully digital on both. Swissquote takes 1–3 business days. Yuh opens in minutes via the app.
Keep exploring
Swissquote vs Yuh — common questions
Is my money safe with Yuh if Swissquote goes bankrupt?
Yes. Yuh’s banking and custody services are operated by Swissquote Bank Ltd. Under Swiss Banking Law (Art. 37b), all securities held in custody — ETFs, stocks — are legally segregated from the bank’s balance sheet and fully protected in the event of bankruptcy. Cash deposits are covered by esisuisse up to CHF 100,000 per client. One critical caveat: because Yuh shares Swissquote Bank Ltd’s banking licence, the CHF 100,000 cash protection is a combined limit across both platforms. Holding cash in both Swissquote and Yuh does not give you CHF 200,000 in protection — the cap is CHF 100,000 in total.
If I hold accounts at both Swissquote and Yuh, do I get CHF 200,000 in deposit protection?
No. Because Yuh operates under Swissquote Bank Ltd’s banking licence, the esisuisse deposit protection of CHF 100,000 is a combined limit across both accounts. If you hold cash in both platforms, your aggregate protection remains CHF 100,000 in total — not CHF 200,000. Securities (ETFs, stocks) are not subject to this cap and remain fully segregated in custody regardless of how much you hold or across which platform.
Can I open a Yuh account if I am a cross-border worker (frontalier) living in France?
Yes — France is one of Yuh’s eligible countries, so a frontalier living in France can open an account. Yuh is available to residents of Switzerland, France, Italy, Germany, Austria, and Liechtenstein. Residents of those five neighbouring countries need an initial deposit of at least CHF/EUR 500 from a bank account held in their country of residence. If you are based outside these six countries entirely, Swissquote is the practical alternative — it accepts clients from most countries globally with no residency restriction.
Can I transfer ETFs from Swissquote to Yuh, or vice versa?
In-specie transfers between Swissquote and Yuh are not supported as a standard feature. Because both custody accounts ultimately sit with Swissquote Bank Ltd, any movement between the two platforms is treated operationally as a sale and repurchase — which triggers transaction costs and potential capital gains considerations under Swiss law. The practical approach is to sell on one platform and rebuy on the other, taking into account any tax implications that may arise from the timing of the sale.
Which is cheaper for a monthly ETF savings plan?
Yuh is cheaper for savings plan contributions below CHF 1,800 per execution. Yuh charges 0% commission on ETF savings plan purchases with a minimum of CHF 10 per execution. Swissquote’s ETF Leaders rate card applies tiered charges of CHF 3 (up to CHF 500 per trade), CHF 5 (CHF 500–1,000), or CHF 9 (above CHF 1,000). The break-even point is CHF 1,800 per trade, where Yuh’s 0.5% equals Swissquote’s CHF 9 ceiling. On top of that, Swissquote charges a minimum annual custody fee of CHF 80, while Yuh charges no custody fee — widening Yuh’s cost advantage further for smaller portfolios and regular contribution patterns.
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