Yuh is it a nice bank account? This article, the summary of the Yuh bank account, analyzes the services of the Swiss Yuh bank account 😉
Recommended products
Attention ⚠️ My goal with this article is not to make propaganda for Yuh. In other words, the purpose of this article is to summarize the positive and negative aspects of Yuh.
Presentation of the bank
Yuh is a Swiss bank account. It is available as a banking application from the Smartphone.
👉 Yuh was born from a merger of the Swiss Post Bank and the Swissquote brokerage account. In reality, 2 renowned banking institutions in Switzerland.
Another interesting detail. Yuh is a bank account and a brokerage account for the stock market. However, for this article, I am focusing on banking services.
Registration and conditions for opening an account
👉As for registration, opening the account is simple and virtual.
In reality, it takes about ten minutes and Yuh only asks for the main identity documents, such as proof of address or an identity card.
Regarding the registration of the bank account, it is necessary to:
- Residing in Switzerland or a neighboring country
- Possess valid residence permits in the country of residence
- Be at least 18 years old
Promo Code kqqml6 = Free Swisscoins on your account
Multi-function bank account
👉 In order to have a visual, here is a table to summarize the objective of a Yuh account.
| Aim | Bank card + Economic trading |
| Functions | Paying, trading and saving |
Therefore, you only need a Yuh account to pay, make bank transfers, save, organize accounts and invest your money.
Banking license
Yuh is associated with the Post Office bank.
👉 As a result, the customer's first CHF 100,000 is insured in the event of Yuh's bankruptcy.. Like the majority of traditional banks in Switzerland.
Types of cards and accounts
👉 As I write this. Yuh a only one account and one bank card available.
It is a classic Pre-paid bank card, working with the international MasterCard financial network.
Multi-currency account
Yuh allows you to have multiple currencies in the app.
For example, European currencies, the Euro, the Swiss franc or the US dollar.
Yuh's Commissions
Annual Commissions
Maintenance fees and credit card fees
| Account maintenance fees (bank account maintenance fees) | 0 CHF |
| Bank card fees | 0 CHF |
👉 Yuh is a free bank account with regard to account management fees and has no fees regarding the payment card.
It is an aspect essential for an economical account!
Payment fees
| Payments in Switzerland | 0 CHF |
| Payments abroad | 0 CHF |
| Exchange rate increase | 0.95% |
👉 We can see that Yuh is free for payments in Switzerland. This is great!
However, payments abroad are increased by 0.95% due to the exchange rate.
In my opinion, this is a fair commission.
In Switzerland, there are bank accounts that allow for fee-free international payments. Therefore, Yuh is not the cheapest bank for these payments.
Withdrawal Commissions
| Withdrawal of CHF in Switzerland, in all ATMs | 1 time per week = 0 CHF From the 2nd withdrawal per week = 1.90 CHF |
| Withdrawal abroad | 4.90 CHF |
| Withdrawing Euros in Switzerland | 4.90 CHF |
| Exchange rate surcharge | 0.95% |
👉 Withdrawing CHF is easy, as it can be done from any ATM. In my opinion, withdrawing cash once a week is sufficient.
However, It is best to avoid cash withdrawals in other currencies as this can be costly.
Transfer commissions
| Bank transfer in Switzerland | 0 CHF |
| Bank Transfer in a European currency | CHF -> Euros = 0.95% or 4 CHF Euros -> Euros = Free |
| Bank transfers to other currencies SEPA | Not possible |
Bank transfers in Switzerland are without surcharges !
Regarding international bank transfers. Yuh allows you to either transfer with an increase of 0.95% or an increase of 4 CHF depending on the European currency.
I think it's a fair commission 😊. On the other hand, there are other cheaper bank accounts.
The interest rate
| Interest rate | Good |
Yuh generally offers good interest rates compared to Swiss banks.
Note that the interest rate varies according to the Swiss National Bank (SNB).
Application functionality
| Benefit | |
|---|---|
| Simplicity and practicality of the application | 👍 |
| Cybercrime | 👍 (to my knowledge) |
| Creating sub-accounts | 👍 (savings project) |
| Sharing multiple accounts | 👎 |
| Payment by card | 👍 |
| Paying bills by scan | 👍 |
| Payment during business hours | 👍 |
| Payment by e-bills | 👍 |
| Payment by Twint | 👍 |
| Creation of standing orders | 👍 |
| Free withdrawal from all ATMs | 👍 (once a week) |
| Ability to send money abroad | 👍 (In Europe) |
| Details of commissions when paying or transferring money | 👍 |
| Mobile payment | 👍 |
| Account statement and supporting documents | 👍 |
Promo Code kqqml6 = Free Swisscoins on your account
Customer service
Customer service is pretty good 👍
In fact, I sent emails several times with my doubts.
On each occasion they responded to me within a few days and their responses are always very detailed.
Conclusion
To conclude, here is my summary of Yuh Bank.
| Benefit | My Punctuation out of 10 |
|---|---|
| Security | 9.9 (I remove 0.1 because you never know) |
| Management fees | 10 (free) |
| Card fees | 10 (First free card) |
| Payments in Switzerland | 10 |
| Payments abroad | 8.5 (0.95% exchange rate markup is okay but not cheap. |
| Simplicity for application | 10 (I like the stability, functionality and design of the app) |
| International bank transfers | 8.5 (Prices are fair but can be high. Additionally, they are limited according to certain currencies) |
| Cash withdrawal in CHF in Switzerland | 10 (once a week is more than enough) |
| Cash withdrawal in Euro in Switzerland or abroad | 6.5 (4.90 CHF commission is way too expensive) |
| Interest rates | 9.5 (Very good interest rate for a bank with no management fees.) |
| TOTAL Punctuation | 9.2 / 10 |
Promo Code kqqml6 = Free Swisscoins on your account
My opinion on Yuh
➡️ Yuh Bank is a cheap bank account if you use Yuh only in Switzerland !
In my opinion, at the time of writing this. Yuh in the top 3 most interesting accounts in Switzerland.
Therefore, having a Yuh bank account is a good choice in Switzerland!
However, Yuh charges fees for foreign currency banking transactions, while some Swiss bank accounts offer free payments worldwide.
Points to improve
👉 To sum up, this is the only point that Yuh bank should improve, in my opinion.:
- Remove the commission regarding the exchange rate of 0.95%
Actually, for the rest, Yuh's pricing and banking services are perfect.
Yuh promo code
👉 If you want to create a Yuh bank account, here is my promo code that will save you and me money when you open your Yuh account.
Promo Code kqqml6 = Free Swisscoins on your account
If you want to understand Yuh's services as a brokerage account, I've written another article analyzing how it works as a stock market account.. ”Is Yuh an interesting stock account?”
FAQ – Yuh: Swiss bank account reviews, fees and operation
What is Yuh?
Yuh is a Swiss bank account available exclusively through a mobile app. It was created through a collaboration between Swissquote Bank and PostFinance. Yuh allows users to pay, save, make bank transfers, and invest in the stock market, all from a single app.
Is Yuh a real Swiss bank?
Yuh relies on recognized Swiss banking partners, including PostFinance and Swissquote. Client deposits are protected by Swiss bank guarantees up to CHF 100,000 in the event of bankruptcy.
Is the Yuh bank account free?
Yes. The Yuh account has no opening fees, no management fees, and the first Mastercard is free. Payments in Switzerland are also free.
What are the fees for international payments with Yuh?
Payments abroad do not incur a fixed commission, but Yuh applies a currency exchange markup of 0.95 % on foreign currency transactions.
Can you withdraw money for free with Yuh?
Yes. Yuh allows one free withdrawal per week at ATMs in Switzerland. From the second weekly withdrawal onwards, a fee of CHF 1.90 is applied.
How much do international withdrawals cost with Yuh?
Cash withdrawals abroad are charged at CHF 4.90 per transaction, plus a possible exchange surcharge of 0.95 %.
Is Yuh a multi-currency account?
Yes. Yuh allows you to hold multiple currencies directly in the application, including the Swiss franc (CHF), the euro (EUR) and the US dollar (USD).
Can you send money abroad with Yuh?
Yes. Yuh allows international bank transfers to certain European currencies. Transfers in euros from a euro balance are free, while currency conversions are subject to exchange fees.
Is Yuh suitable for travelers?
Yuh may be suitable for occasional travel. However, the exchange fee of 0.95 % and the foreign withdrawal fees make some competing banks more advantageous for frequent travelers.
Is Yuh a good investment for saving money?
Yes. Yuh generally offers a competitive interest rate for uninvested cash, making it an attractive solution for short-term savings.
Can you invest in the stock market with Yuh?
Yes. In addition to its banking services, Yuh allows you to invest in stocks, ETFs, cryptocurrencies and other financial products directly from the application.
Yuh or Neon: which bank to choose?
Yuh is often praised for the stability of its app. Neon is generally more competitive for international payments due to lower exchange fees.
Yuh or WIR: which is the cheapest solution?
For international payments and withdrawals, WIR Paquet Top is generally more advantageous due to its significantly lower fees. However, Yuh remains an excellent free banking solution primarily for use in Switzerland.
Is Yuh's customer service effective?
According to many users, Yuh customer service responds quickly and provides detailed answers to requests sent via email or through the application.
My opinion on Yuh in 2026
Yuh is among the best Swiss bank accounts for those seeking a modern, free, and user-friendly app. Its main drawback is the 0.95 % surcharge on foreign currency transactions. While not a high fee, it's one to consider.
The Yuh Bank Account Summary
Subscribe for the latest news
Do you have a frugalist project and would you like training? Click”here” and filled out the form
I suggest you read my tab”Frugalist” to read the main changes to save and become financially independent as quickly as possible.
My pages
- About me
- Saving / Frugalism
- Blog
- Shop
- Contact
- Training and E-book
- Invest
- Minimalism
- My account
- Newsletter
- Basket
- Order confirmation
Lastest Post
- The 5 mistakes to avoid when starting out in the stock market
- How to invest in the stock market? The complete 7-step guide for beginners
- How does Inflation affect your wealth?
- How many years to achieve financial freedom?
- The 4% rule: The golden rule for financial independence
How does this blog live?
Overall, this blog lives from sharing a frugal and/or minimalist lifestyle.
For the sake of transparency towards readers, all the products recommended are intended to make life cheaper and simpler.
Essentially, my only income from this blog comes from the training courses I conduct, promo codes for products I use, and donations readers make in exchange for neutral information.
About me
Faced with not very effective financial education, as was my case before. I actually decided to create this blog following a change in my life since my early adult life.
Compared to before, I was a person who consumed a lot until the day I understood that my consumption was making me sadder and poorer. From now on, I prioritize the minimum of my needs to be happy and achieve financial freedom.
Without realizing it, I also began to prioritize savings and investments to depend on a boss for as short a time as possible and to accelerate my personal projects.
For several years I have felt happy and I have become richer in a way that I would never have imagined given that I have an average salary in Switzerland.
It is for this purpose that I decided to create this blog. To share, learn and teach with others who seek freedom, simplicity and long-term wealth.
Are you rather minimalist or frugal Jonny?
I am both a minimalist and a frugalist. However, there are situations where I lean more towards an art of living.
To conclude, I think the most important thing is to feel comfortable in your life and I have found a balance between these lifestyles without reaching the extremes.
Yuh Fee Price – https://www.yuh.com/fr/pricing#pricing-list
Leave a Reply