Yuh Review (2026):
ETF savings plans, Pillar 3a, and what you actually pay
Yuh is Switzerland’s all-in-one finance app — banking, investing, Pillar 3a, and crypto in a single mobile account. The 0% commission on ETF savings plans and the flat trade fee look attractive, but the real cost picture includes stamp duty, FX spread, and a closed crypto system that matter more as your portfolio grows. This review covers what you’re actually getting and paying.
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TL;DR
- Swiss residents who want banking, investing, and Pillar 3a in one app.
- Monthly ETF savers — 0% commission on qualifying savings plans.
- Beginners who value simplicity over platform depth.
- Small trades under CHF 5,000 where the 0.5% flat fee is competitive.
- Families looking for a first account for teenagers (Yuh 14+).
- Stamp duty on every trade — a government tax no Swiss broker can waive.
- FX spread (0.95%) on non-CHF assets compounds over years of contributions.
- Crypto is a closed system — no external wallet deposits or withdrawals.
- No portfolio transfers out — you must sell all positions to switch brokers.
- Mobile only — no desktop platform or advanced order types.
What is Yuh?
Born from a joint venture, now 100% owned by Swissquote since July 2025.
Yuh launched in 2021 as a joint venture between PostFinance (Switzerland’s postal bank) and Swissquote (Switzerland’s leading online broker). In July 2025, Swissquote bought out PostFinance’s 50% stake and became the sole owner. The platform continues to run on Swissquote’s securities infrastructure, now under unified ownership.
The goal was — and remains — a single app combining a Swiss banking account, stock and ETF investing, Pillar 3a retirement savings, and cryptocurrency, at a price point accessible to beginners. Securities are custodied at Swissquote under FINMA supervision. You get a real Swiss IBAN, which means Yuh can double as your primary current account if you want it to.
Yuh is available to residents of Switzerland, Liechtenstein, and Austria. You need a local address, a valid phone number, and a Swiss ID or residence permit. There is no EU passport route or international access path beyond these three countries.
- 100% owned by Swissquote since July 2025
- Securities custody: Swissquote Bank (FINMA regulated)
- Deposit protection: esisuisse up to CHF 100,000
- Founded: May 2021
- Available: Switzerland, Liechtenstein, Austria
- Mobile app only (iOS and Android)
- No web platform or desktop client
- Integrated banking account with Swiss IBAN
- 13 currency pockets built in
- TWINT and eBill supported natively
Yuh fees: what you actually pay
The headline is 0% on ETF savings plans and 0.5% on manual trades. The full picture includes stamp duty and FX, which are where the real drag lives.
| Fee type | Amount | Notes |
|---|---|---|
| ETF savings plans (select ETFs, recurring) | 0% | Purchase commission only; applies to qualifying ETF list |
| Manual trades — stocks & ETFs | 0.5% (min CHF 1) | Per order, regardless of size |
| Crypto trading | 1.0% | Plus 0.95% FX — crypto must be purchased in EUR or USD |
| Swiss stamp duty — domestic | 0.075% | Government tax; applies to all Swiss-domiciled securities |
| Swiss stamp duty — foreign | 0.15% | Government tax; applies to all non-Swiss securities |
| FX conversion | 0.95% | Applied when buying non-CHF assets or exchanging currency |
| Pillar 3a | 0.50% p.a. | All-in annual fee including fund costs |
| Account fee | CHF 0 | No monthly or custody charge |
| Inactivity fee | None | No minimum activity required |
For a CHF 500 manual trade, 0.5% is CHF 2.50 — competitive versus traditional Swiss banks. Add 0.075% stamp duty on a Swiss-listed ETF and your total cost is around 0.575%. For recurring savings plan buys, the purchase commission drops to 0%.
For a CHF 10,000 trade, the 0.5% becomes CHF 50 — at that size, Swissquote’s flat CHF 9 trade fee starts to become more competitive for infrequent, larger purchases.
If your ETF is denominated in EUR or USD — common for UCITS funds listed outside Switzerland — Yuh applies 0.95% FX on conversion at purchase and again at sale. Over 10 years of monthly contributions, this compounds meaningfully.
The fix: prioritise CHF-denominated UCITS ETFs listed on SIX where possible. Same underlying indexes, no FX drag at point of trade.
The Pay account: Yuh as your everyday bank
Yuh is built as an all-in-one — the banking layer is a real account, not a stripped-down wrapper.
The Yuh Pay account gives you a free Swiss IBAN, a free Mastercard debit card (physical and virtual), full TWINT integration, eBill support, and a 13-currency account built in. It is designed to replace a traditional Swiss bank account for day-to-day spending.
| Feature | Detail |
|---|---|
| Account fee | CHF 0 — no monthly fee |
| Swiss IBAN | Included — real Swiss account |
| Mastercard debit | Free (physical + virtual); includes Yuh Pocket purchase insurance |
| TWINT | Fully integrated |
| eBill | Supported |
| Currency pockets | 13 currencies (CHF, EUR, USD, GBP and more) |
| FX exchange rate | 0.95% flat (applied when paying in or converting to a different currency) |
| ATM withdrawal — Switzerland | 1 free per week; CHF 1.90 each additional |
| ATM withdrawal — abroad | CHF 4.90 per withdrawal |
| SEPA transfers | Free in EUR; CHF 4 in other currencies |
| Cash deposits | Not available — digital-only platform |
Investing on Yuh: assets, savings plans, and limits
Yuh covers the main asset classes a beginner needs — with a curated universe and some important constraints worth knowing.
- Swiss stocks (SIX Swiss Exchange)
- International stocks (US, EU, global)
- ETFs — UCITS-compliant, SIX-listed and international
- Fractional shares from CHF 10 minimum
- Curated universe — not all listed securities are available
- No derivatives, options, or leveraged products
- Bitcoin, Ethereum, and select altcoins
- 1.0% trading fee + 0.95% FX (crypto priced in EUR/USD)
- Traded 24/7 via the app
- Custody via Swissquote’s infrastructure
- Closed system — no external wallet deposits or withdrawals
- Cannot send crypto to a private wallet or exchange
Yuh offers automated recurring investments (savings plans) into a curated selection of ETFs, starting from CHF 10 per execution. The purchase commission on qualifying savings plan buys is 0% — one of the cheapest automated ETF investing options available to Swiss investors. Plans can be set to run weekly or monthly.
Important details: the 0% commission applies to purchases only — when you sell, the standard 0.5% fee applies. Stamp duty still applies on every execution. Not all ETFs qualify for the 0% savings plan rate — the eligible list is curated by Yuh. Check the current list in the app before building your plan around a specific fund.
For Swiss investors who want to run a simple monthly UCITS ETF plan on autopilot, this is Yuh’s most compelling use case.
Yuh Pillar 3a: tax-advantaged investing in the same app
A competitive option for straightforward tax-deductible retirement saving — with one important structural limitation.
Yuh offers an investment-based Pillar 3a solution directly in the app. You open a single 3a account and choose one of five equity strategies, defined by their stock allocation from 20% to 99% equity. The remainder is invested in a mix of bonds, real estate, commodities, and cash.
| Feature | Detail |
|---|---|
| Annual fee | 0.50% all-in (includes fund costs) |
| Equity strategies | 5 options: 20%, 40%, 60%, 80%, 99% equity |
| Minimum deposit | CHF 10 per contribution |
| Deposit frequency | Weekly or monthly automatic, or ad hoc single payments |
| Maximum accounts | 1 only — cannot split across multiple pots |
| Currency hedging | Forced — embedded in the strategy; cannot be disabled |
| 3a assets custodied by | Lienhardt & Partner Privatbank Zürich |
- 0.50% all-in is competitive for Switzerland’s 3a market.
- CHF 10 minimum means you can start small and add flexibly.
- Managed within the same app as your banking and brokerage — no separate logins.
- Suitable strategies for most risk profiles from conservative to full equity.
- One account only — you cannot split contributions across multiple pots. This limits tax optimisation on withdrawal (staggered withdrawals across multiple accounts reduce the tax bill).
- Forced currency hedging is applied to international allocations — adds cost and reduces long-term return potential.
- Sustainable/ESG tilt embedded in some strategies — no purely passive index option.
Savings Projects and Swissqoins
A goal-based budgeting tool built into the app. You create named “projects” (e.g., “Holiday”, “Emergency fund”), set a target amount, and fund them manually or with recurring transfers.
Useful as a psychological tool to separate savings from spending. Interest rate: 0%. This is purely an organisational feature — it does not grow your money. Do not confuse it with an investment or a savings account with yield.
Yuh’s loyalty rewards program. You earn SWQ tokens for various actions and can sell them for cash or transfer them to other users.
- 250 SWQ welcome bonus — requires CHF 500 initial deposit
- 250 SWQ per referral who deposits CHF 500
- 5 SWQ per investment trade
- 1 SWQ per card payment
A minor bonus feature — not a reason to choose Yuh, but worth knowing about.
Yuh 14+: the teen account
A standout differentiator — and one of the better teen banking products available in Switzerland.
Yuh offers a free dedicated bank account for teenagers aged 14 and above. It includes a Debit Mastercard and full TWINT access. The account has no overdraft risk — teens can only spend what they have.
- Free account — no monthly fees
- Free Mastercard debit card
- TWINT included
- 0% currency exchange fees (vs 0.95% on the adult account)
- Free cash withdrawals worldwide
- No overdraft — spend-only-what-you-have
The 0% FX fee on the teen account is a significant advantage over the adult account — and over most other Swiss digital banks. For teenagers traveling, shopping online in foreign currencies, or studying abroad, this makes the Yuh 14+ card genuinely competitive with specialised travel apps like Revolut.
For families already using Yuh for their own investing, adding a teen account within the same platform is a logical and low-friction choice.
Yuh vs Swissquote vs Neon
The three most commonly compared Swiss platforms for beginner and intermediate investors.
| Yuh | Swissquote | Neon | |
|---|---|---|---|
| Trade commission | 0.5% (min CHF 1) | CHF 3–9+ tiered | 0.5% (min CHF 1) |
| ETF savings plan | 0% (select ETFs) | Not available | 0% (select ETFs) |
| Account/custody fee | None | CHF 10–15/quarter | None |
| FX fee | 0.95% | 0.95% | 0% (all CHF via BX Swiss) |
| Platform | Mobile only | Desktop + mobile | Mobile only |
| Markets / securities | Curated list | 30+ exchanges, thousands | ~240 stocks, ~70 ETFs (BX Swiss only) |
| Fractional shares | Yes (from CHF 10) | Yes | No |
| Pillar 3a | Yes (0.50% p.a.) | Yes | No |
| Banking IBAN | Yes | Yes | Yes |
| Portfolio transfers out | No — must sell | Yes | Limited |
| Best for | Beginners, all-in-one | Active/larger portfolios | CHF-only ETF buyers |
Yuh wins on commissions for small trades, but Swissquote’s per-trade cost becomes more competitive once your portfolio grows and you trade in larger, less frequent blocks. Swissquote also offers a full desktop platform, wider market access, and — critically — supports in-kind portfolio transfers to other brokers. With Yuh, if you want to switch brokers, you must sell all positions first, potentially triggering a taxable event.
A sensible path: start with Yuh for simplicity and low barriers. Evaluate Swissquote when your portfolio exceeds CHF 50,000 or you need features Yuh cannot provide.
Neon’s 0% FX is its headline advantage — all trades settle in CHF on BX Swiss, so there is no currency conversion cost at all. For investors who buy exclusively CHF-denominated ETFs, this is a real edge over Yuh’s 0.95% FX drag.
But Neon’s universe is tiny: roughly 240 stocks and 70 ETFs on BX Swiss only. No US stocks, no international ETFs, no fractional shares, no Pillar 3a. Yuh is the broader and more complete platform.
Who Yuh fits — and who it doesn’t
- Swiss residents starting their first investment account.
- Monthly savers using automated ETF savings plans — the 0% purchase commission is hard to beat.
- Investors who want banking, brokerage, and Pillar 3a in a single app.
- Families wanting a teen account with 0% FX for a 14–17 year old.
- Anyone who values simplicity and does not need a desktop platform.
- Active traders who need a desktop platform, advanced order types, or 30+ exchange access.
- Investors buying primarily EUR or USD-denominated ETFs — FX drag of 0.95% compounds over years.
- Large portfolios where Swissquote’s flat commissions become more competitive per trade.
- Serious crypto users who need self-custody or external wallet transfers.
- Investors who want maximum 3a tax optimisation across multiple accounts.
- Residents outside Switzerland, Liechtenstein, and Austria.
Yuh is not available to EU residents beyond Liechtenstein and Austria. For European investors looking for a simple, low-cost ETF broker with a good app, the closest equivalents are Trade Republic, Trading 212, or Scalable Capital — all UCITS-focused and available broadly across the EU.
For larger portfolios, multi-currency workflows, or deeper market access in either Switzerland or the EU, Interactive Brokers remains the strongest option.
Ready to open a Yuh account?
Start with CHF-denominated ETFs on a savings plan to avoid FX drag and get the 0% purchase commission. Set it to run monthly. If you have a teenager, the Yuh 14+ account is one of the best free Swiss teen accounts available right now.
Go deeper
Frequently asked questions
Is Yuh available outside Switzerland?
Yuh is available to residents of Switzerland, Liechtenstein, and Austria. You need a valid local address, phone number, and ID or residence permit. EU investors outside these three countries cannot open a Yuh account.
What does it actually cost to invest with Yuh?
Manual trades in stocks and ETFs cost 0.5% (minimum CHF 1). Recurring ETF savings plans into qualifying ETFs are 0% commission on purchase — one of the best automated investing rates in Switzerland. Crypto trades cost 1.0% plus 0.95% FX. On top of broker fees, Swiss stamp duty applies to all trades: 0.075% on Swiss-domiciled securities and 0.15% on foreign. FX conversion on non-CHF assets costs 0.95%. There are no monthly fees, custody charges, or inactivity fees.
Does Yuh have ETF savings plans?
Yes — and it is Yuh’s strongest feature. You can set up automated recurring investments from CHF 10 into a curated selection of ETFs, with 0% purchase commission on qualifying savings plan buys. Plans can run weekly or monthly. Note that the 0% rate applies to purchases only — selling still costs 0.5%. Stamp duty applies on every execution, and not all ETFs qualify for the savings plan list. Check the current eligible list in the app before building your plan around a specific fund.
Does Yuh offer a Pillar 3a?
Yes. Yuh’s investment-based Pillar 3a charges a competitive 0.50% all-in annual fee including fund costs. You can choose from five equity strategies (20% to 99% equity), deposit flexibly from CHF 10, and manage it within the same app as your brokerage account. The main limitation is that Yuh only allows one Pillar 3a account — which restricts the staggered-withdrawal tax strategy available with providers that allow multiple pots, such as VIAC or Finpension.
How does Yuh compare to Swissquote?
Yuh is cheaper per trade for small investments (0.5% flat vs Swissquote’s CHF 3–9+ tiered commissions) and has a simpler mobile-first interface. Swissquote offers a full desktop platform, access to 30+ global exchanges, thousands of securities, and more order types. One important structural difference: Yuh does not support portfolio transfers out. If you want to switch brokers, you must sell all positions first — Swissquote supports in-kind transfers. Start with Yuh; evaluate Swissquote when your portfolio size or activity level outgrows Yuh’s feature set.
Can I withdraw crypto from Yuh to an external wallet?
No. Yuh operates a closed crypto system. You can buy and sell crypto within the app, but you cannot deposit crypto from an external wallet or withdraw your holdings to a private wallet or exchange. Your crypto can only be sold back to Yuh for cash. If self-custody, on-chain transfers, or moving crypto between platforms matter to you, Yuh is not the right choice for your crypto needs.
Is my money safe with Yuh?
Securities are custodied at Swissquote, a FINMA-regulated bank. Cash deposits are protected by the Swiss depositor protection scheme (esisuisse) up to CHF 100,000 per person. Yuh has been 100% owned by Swissquote since July 2025, following its acquisition of PostFinance’s 50% stake — Swissquote is a well-established Swiss financial institution listed on the SIX Swiss Exchange.
Can I invest in ETFs on Yuh?
Yes. Yuh offers access to ETFs on SIX and select international markets, with fractional investing from CHF 10. Swiss residents are restricted to UCITS-compliant ETFs — US-domiciled products like SPY, QQQ, or VTI are not available due to regulatory requirements. UCITS equivalents such as CSPX (iShares Core S&P 500) or VWRL (Vanguard FTSE All-World) track the same underlying indexes and are accessible via Yuh. Verify fund availability in the app before building your plan around a specific ticker.
QuantRoutine provides educational content only. Nothing on this page is an offer, solicitation, or recommendation to buy or sell any security or to open an account with any specific broker. Investments can lose value, and past performance does not guarantee future results. You are responsible for your own investment, tax, and legal decisions. Always review each broker’s current terms, fees, and eligibility on their official website before opening or funding an account.