Yuh: Advantages and Fees of the Stock Exchange Account. Let's analyze the fees, ETFs, stocks, investment plans, security, advantages and disadvantages of Yuh, and compare it to Neon, Saxo and Interactive Brokers.
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⚠ My goal with this article is not to promote Yuh. In other words, the purpose of this article is to summarize the positive and negative aspects of Yuh. Investing involves a risk of losing money.
Yuh: Introduction
Is Yuh a good brokerage account for investing in Switzerland?
If you're looking for an application to manage your money, your bank account and your investments all in one place, You've probably already heard of Yuh.
Yuh was born from a collaboration between Swissquote and PostFinance. Since July 2025, Swissquote has owned Yuh outright. The banking and financial services offered in the app are provided by Swissquote Bank SA, a Swiss bank regulated by FINMA.
Yuh's idea is quite simple:
Bank account → savings → investments → all in one app
But one important question remains:
Is Yuh really a good investment for the long term?
In this article, I will therefore analyze Yuh from several angles:
- the costs
- ETFs
- the simplicity of the application
- security
- the main advantages and disadvantages
- and finally compare Yuh versus Neon, Saxo and Interactive Brokers.
⚠️ Important: This article is not an investment recommendation. Investing in the stock market carries a risk of capital loss. Prices and available products are subject to change. Always check current terms and conditions before opening an account.
Yuh: What exactly is it?
Yuh is a Swiss financial application that combines several functions:
- bank account
- payments
- savings
- multi-currency account
- investments
- shares
- AND F
- obligations
- cryptocurrencies
The goal is clearly to simplify the experience and have many banking and trading services on a single account.
What investments can be made with Yuh?
Yuh allows you to invest in:
- shares
- AND F
- obligations
- investment themes
- cryptocurrencies
Yuh indicates he proposes more than 250 stocks selected by its experts and over 70 ETFs.
This includes shares of major markets such as the NASDAQ, the NYSE and the SIX, as well as securities in CHF, EUR, USD and other currencies.
For me, however, the most interesting thing remains the AND F.
Why? Because if your goal is to build a long-term portfolio, ETFs allow you to achieve significant diversification with a single transaction.
Open a Yuh account
Opening a Yuh account is done directly from a smartphone.
This includes, in particular:
- be at least 18 years old
- reside in an eligible country
- have an identity card or passport
- perform identity verification
- make an initial deposit from a bank account in your name
The entire process is digital and takes approximately 15 minutes.
Yuh's fees
This is probably the most important part of this article.
The good news is that Yuh's pricing is relatively simple.
Childcare fees: CHF 0
Yuh does not charge any childcare fees.
So you can keep your portfolio for several years without paying every year simply because you own shares or ETFs.
For a long-term investor, I really like this way of working.
Inactivity fees: CHF 0
Yuh does not charge inactivity fees.
So you can have a portfolio that you keep for several years without having to make regular transactions to avoid a penalty.
Exchange rate fees: 0.95%
This is Yuh's main negative point.
Depending on the amount, the 0.95% exchange rate commission is high.
Transaction fees
This is where things get interesting.
Yuh's current standard pricing is:
| Transaction amount | Yuh Commission |
|---|---|
| Up to CHF 10,000 | 0,50 % |
| 10,000.01 to 20,000 CHF | 0,35 % |
| Over 20,000 CHF | 0,25 % |
| Minimum per transaction | 1 CHF |
However, the majority of readers of this blog will invest less than 10,000 CHF, so I'll keep in mind:
| Transaction amount | Yuh Commission |
|---|---|
| ETFs up to CHF 10,000 | 0,50 % |
| Minimum per transaction | 1 CHF |
These fees primarily concern stocks, ETFs, and thematic investments. Stamp duties, government fees, TER (Taxe d'Enlèvement des Entreprises - Business Transfer Tax), and any third-party fees must be considered separately.
For example, regarding stamp duties, you must add:
- Swiss ETF = 0.075%
- Foreign ETF = 0.15%
In summary, we can therefore estimate that the commissions will be:
- Swiss ETF = 0.575%
- Foreign ETF = 1.6%
We conclude that the fees for Swiss ETFs are reasonable, but in my opinion, the prices of foreign ETFs are high and there are more economical brokers.
ETFs at 0 %?
Here's an interesting feature of Yuh.
Yuh offers ETF savings plans with 0% trading commission. on a selection of eligible ETFs.
You can set up a recurring investment each month, and the Yuh trading commission is then 0 CHF.
But be careful:
0 % trading commission does not mean 0 CHF total cost.
Stamp duty, for example, remains applicable, and Yuh also specifies that fees apply to the sale of ETFs. This is an important distinction.
But note that with this investment method, in most cases, your ETFs cost less than 2 CHF. That's a cheap commission.
How many ETFs are there in an ETF savings plan?
At the time of writing this article, there are 21 eligible ETFs.
Among them are some interesting ETFs, such as:
- Vanguard all-world
- Vanguard all-world high dividend
- Invesco Nasdaq 100
Is the choice of ETFs sufficient?
This is an important question.
Yuh is currently announcing over 70 ETFs Selected. Donation approximately 21 at no cost.
This is obviously not comparable to a professional broker giving access to several thousand funds.
But is that really a problem? Not necessarily.
If your goal is to build a simple portfolio with a few broadly diversified ETFs, you don't necessarily need 2,000 ETFs.
Yuh offers ETFs that cover, for example:
- Swiss stocks
- global markets
- the United States
- certain regions
- certain sectors
Yuh works in particular with suppliers such as Xtrackers, iShares, Vanguard, Invesco and Swisscanto for certain ETF savings plans.
For a passive investor, I therefore find the selection quite interesting and sufficient.
American ETFs with Yuh
This is Yuh's major drawback.
Yuh does not allow investment in ETFs with a US residence. This is unfortunate because these are often the ETFs with the lowest TER fees and the most liquidity.
The Yuh app: simple or complicated?
This is probably one of the points where Yuh differs most from traditional brokers.
The application is designed to be accessible and simple.
Yuh clearly emphasizes simplicity and the mobile experience.
And personally, I find this philosophy interesting.
For long-term investing, I'm not sure a platform with 200 charts, 50 order types and dozens of parameters is necessary.
Sometimes, Less is more.
Client service
Yuh offers several support channels, including:
- phone
- messages
- in-app chat
Assistance is free.
I consider this an advantage, especially for an account intended for beginners.
Yuh's security and bankruptcy
This is a question that is sometimes forgotten when choosing a broker.
What happens if Yuh goes bankrupt?
A distinction must be made:
Your cash
Yuh is not an independent bank in the classical sense.
Banking services are provided by Swissquote Bank SA, a Swiss bank regulated by FINMA. Yuh indicates that the deposits in question benefit from Swiss deposit protection up to 100,000 CHF in case of bankruptcy.
Your stocks and ETFs (securities)
Your securities are held with Swissquote, which acts as a custodian bank.
Yuh indicates that the shares and fractions of shares are held with Swissquote and that, in accordance with Swiss law, they are separate from the bankruptcy estate (segregation of assets).
In other words: Your stocks and ETFs are not simply money belonging to Yuh. They are separated from Yuh.
Your stocks and ETFs are not simply money belonging to Yuh.
In case of a problem with the institution, your rights to the securities are legally separate from the bank's own assets.
Therefore, in the event of Yuh's bankruptcy, your securities are either transferable to another broker or distributed in CHF to your bank account.
This is an important point for me when we talk about a portfolio intended to be kept for 10, 20 or 30 years.
Yuh: the summary
If I had to summarize Yuh in a few points:
👍 What I like
- Very simple application
- Bank account + investment in the same place
- 0 CHF childcare fees
- No inactivity fees
- Over 70 ETFs
- Fractional trading
- Investment starting from CHF 10
- ETF savings plans with 0% trading commission.
- Beginner-friendly app
👎 What I like less
- The standard fees of 0.50 % can become significant for certain investments with high amounts (over 1,000 CHF)
- Currency exchange costs 0,95 %. That's a bit high.
- Yuh does not offer ETFs with a US domicile.
Yuh, Neon, Saxo or Interactive Brokers?
There is no «"best broker" across the board.
The best choice depends mainly on your profile.
Here's how I would summarize the four solutions:
| Criteria | Yuh | Neon Invest | Sax | Interactive Brokers |
|---|---|---|---|---|
| Philosophy | Simple and mobile | Simple and integrated | Full broker | Professional broker |
| Integrated bank account | ✅ | ✅ | ❌ | ❌ |
| ETF Selection | Sufficient | Sufficient | Very large | Very large |
| ETFs exposed to the US | ✅ | ✅ | ✅ | ✅ |
| ETF with a US domicile | ❌ | ❌ | ✅ | ✅ |
| Childcare fees | 0 CHF | 0 CHF | Subject to conditions | 0 CHF |
| Fractional trading | ✅ | ✅ | ✅ | ✅ |
| ETF Savings Plan | ✅ | ✅ | ✅ | According to instrument |
| ETFs eligible for 0 % commission | ✅ | ✅ | ✅ | According to instrument |
| Simplicity | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ | ⭐⭐⭐ |
| Product selection | ⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
| Beginner | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ | ⭐⭐⭐ |
| Experienced investor | ⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
| Large wallet | ⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Note: This table is intentionally simplified. Broker fees and features may change.
My opinion on Yuh
II think Yuh is a very good option for the beginner investor or the passive investor who wants to invest regularly.
I like the combination:
simplicity + recurring investment + ETF + bank account.
If you invest, for example, every month in an ETF eligible for the no-trading-fee savings plan, Yuh becomes particularly interesting.
However, Yuh has a few areas for improvement. For example:
- Possibility of investing in an ETF with a US domicile
- The exchange rate of 0.95% is too high.
But overall, Yuh is a good option as a brokerage account for investing in ETFs.
FAQ: Yuh: Advantages and Fees of the Stock Exchange Account
What are Yuh's actual expenses?
Standard investment fees are currently 0.50 % up to CHF 10,000, 0.35 % between 10,000.01 and 20,000 CHF, Then 0.25 % above 20,000 CHF, with a minimum of 1 CHF. Yuh does not charge custody fees. However, stamp duty, TER (regional express train) fees, and certain exchange fees may apply.
Is it really possible to invest with just 10 CHF on Yuh?
Yes.
Yuh allows fractional trading and indicates that it allows investment starting from 10 CHF in products available in fractions.
This is particularly interesting for beginners or for someone who wants to start gradually.
Is Yuh suitable for passive investors?
Yes, especially.
In reality, the recurring investment system allows you to automate your investments, and some ETFs can be purchased with it. 0 % trading commission within the framework of an eligible savings plan.
For a strategy of investing monthly in a diversified ETF, this is probably one of Yuh's most interesting features.
Which ETFs can be bought commission-free with Yuh?
Yuh offers a selection of ETFs eligible for commission-free savings plans.
The selection includes products offered by:
- Xtrackers
- iShares
- Vanguard
- Invesco
- Swisscanto
The exact list may change. Therefore, you should check directly in the app or on the official Yuh website before choosing an ETF.
Are commission-free ETFs really free?
No.
A distinction must be made:
trading commission = 0 CHF
And
Total investment cost = CHF 0
Therefore, stamp duty, TER and sales-related fees may still apply.
Does Yuh allow investment in the S&P 500?
Yes, Yuh offers ETFs providing exposure to the US market, including products tracking the S&P 500. Some are part of the ETF savings plan offering.
However, be aware: this does not necessarily mean that you are buying an ETF resident in the United States. Many European UCITS ETFs replicate US indices.
Does Yuh allow you to buy American stocks?
Yes.
Yuh provides access to key US markets, including the NASDAQ and the NYSE, and allows investment in American stocks.
Does Yuh take a commission on dividends?
Dividends are credited to the main Yuh account. I don't see a specific commission on dividends listed in Yuh's current fee schedule. However, it's important to distinguish between broker fees and... taxes and withholding taxes which may apply to dividends depending on their origin.
What happens if Yuh goes bankrupt?
Yuh states that its banking services are provided by Swissquote Bank SA, a Swiss bank regulated by FINMA, and that deposits are covered by the Swiss deposit guarantee up to CHF 100,000 within the limits provided by the regulations.
Regarding the securities, Yuh indicates that the shares and fractional shares are held with Swissquote and benefit from the legal separation provided for by Swiss law.
Is Yuh better than Interactive Brokers?
Not necessarily.
Yuh favors the simplicity.
Interactive Brokers prefers the depth and choice of instruments.
For a beginner who wants to invest monthly in a few ETFs, Yuh might be much more appealing.
For an experienced investor who wants a very comprehensive platform, Interactive Brokers may be more suitable.
Is Yuh a bank?
Yuh clarifies that it is not a bank in the traditional sense. The banking and financial services available in the app are provided by Swissquote Bank SA, a Swiss bank regulated by FINMA.
How much does it cost to exchange currency with Yuh?
Exchange fees are currently 0,95 % for the currencies available in the application. These fees are included in the exchange rate displayed in the application.
Does Yuh charge childcare fees?
No.
Childcare fees are currently 0 CHF.
Does Yuh charge inactivity fees?
No, Yuh does not indicate any inactivity fees in its current pricing.
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Yuh: Advantages and Fees of the Stock Exchange Account
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