Yuh

With Yuh, you can pay, save and invest - all in one app. We support you when you make everyday payments, help you realise your dreams when you save and set out on new adventures with you when you invest. Yuh is the result of a collaboration between two of Switzerland’s biggest banks, PostFinance and Swissquote, and offers the perfect blend of reliability and innovation.

This is why you'll love Yuh:
• 13 currencies under one Swiss IBAN.
• Free account, free Mastercard & no monthly fees.
• Save your bills the drama with eBill & standing orders.
• Use TWINT for instant and contactless payments.
• Get a serious 1% interest on your cash.
• Buy shares, crypto, and ETFs and start investing from 25 CHF.
• Invest over time placing a recurring investment order.

Pay in 13 currencies with no hidden fees
Yuh gives you your own free Yuh Debit Mastercard, real-time account movements, and a multi-currency account. We offer transparent currency conversion costs with no hidden charges. Account management and card payment fees are also a thing of the past. When you register with Yuh, you get a Swiss account free of charge and with hardly any effort.

Create your savings projects
You get to choose when to save, what to save it for and how long to save, then watch as your dreams become reality. Yuh pays you a hefty chunk of interest to reward you for putting money aside. No matter whether your money is stored under Pay or Save in the app, you’ll receive 1% on CHF and 0.75% in EUR and USD, pro-rated across the year, for cash assets up to 25’000. And you'll get respectively 0.75% and 0.5% up to 100'000.

Yuh 3a Pillar - Your future best buddy
Our Pillar 3a solution is your chaperone for stability later on. A 0.5% all-in fee guarantees solid pricing, too.

Invest in over 270 Stocks, 37 ETFs & 35 cryptos
With Yuh, you can trade the biggest cryptos whenever you want. If your aim is to invest in shares, we offer a wide range of the most sought-after investment products. We also assess the environmental and ethical values of the companies behind the shares (ESG ranking) to make sure you can invest with a clear conscience. Finally, ETFs also offer an easy, low-risk way to profit from global markets. They're cost-effective, transparent, highly diversified, and flexible.

Swissqoins, our unique reward program
Yuh is the first finance app to share its profits with its Yuhsers thanks to Swissqoins, an innovative crypto-token, whose value grows every month, as Yuh reinvests part of its revenue back into it. It’s a unique concept: the more you use the app, the more Swissqoins you earn, and the more you can benefit from Yuh’s rewards. You can also redeem your Swissqoins for cash at any time, or simply hold on to them and watch them grow in value every month.

YuhLearn
If you need help, we can support your decision-making with various tools and explain how easily you can manage your finances. We share ideas and inspiration with our Yuhsers on our exclusive YuhLearn section.

Security
The banking and financial services offered in the Yuh app are provided by Swissquote, which is authorised by FINMA, the Swiss Financial Market Supervisory Authority. In this framework, you benefit from all the protections provided by the Swiss banking law and other Swiss financial laws, including the 100'000 CHF protection in case of bankruptcy, and banking secrecy. Our focus is to offer affordable services packed into a convenient mobile app.

Are you ready for Yuh? Then create your account via the app, it’s seriously fast and easy! We can’t wait to welcome you!