Finance app review / Switzerland
Yuh Ltd operates the app, but FINMA-authorised Swissquote Bank Ltd provides the cited banking and financial services. The same login can contain an eligible Swiss bank deposit, multi-currency card, saving buckets, securities, fractional positions, crypto assets, Swissqoin rewards, TWINT and a separate pillar 3a path. Those products do not share one fee, custody model or protection promise.
Direct answer
Its strongest evidence is the everyday package: a Swiss IBAN, no current account-management charge, free virtual and physical cards, thirteen currencies, domestic transfers, euro SEPA transfers, one free Swiss ATM withdrawal per calendar week and direct access to a curated investment range. Swissquote's bank role gives the deposit product a clearer legal foundation than an app whose cash depends on an unnamed sweep arrangement.
The trade-off is product density. Deposit protection belongs to eligible cash at Swissquote, not to securities, crypto, Swissqoin or pillar 3a simply because they appear beside the cash balance. Securities can lose value and carry transaction, product, tax and FX cost. Crypto uses a custody chain and has a separate 1% trading charge. Swissqoin is an Ethereum token with a reserve mechanism, not interest on the account. Saving projects are labels over account cash and currently list 0% interest in CHF, EUR and USD.
Interactive Swiss review lens
Opening requires accepted residence, identity, non-US-person status and same-name funding. Yuh is the app operator, 0% is listed for saving-project cash, and no branch service is evidenced.
SRC-YUH-CH-FAQ · SRC-YUH-CH-PRICING · SRC-YUH-CH-SAVINGSOwnership and product structure
The app, bank, account, card, custody, crypto and reward relationships remain explicit.
Yuh Ltd operates the interface and brand. It is not itself a bank. Yuh began as a Swissquote and PostFinance joint venture, but the current FAQ says Swissquote acquired PostFinance's ownership share in July 2025. Historical co-founding is not a current PostFinance account or protection role.
Swissquote Bank provides the cited banking and financial services and appears on FINMA's authorised-bank list. Customer cash is deposited with Swissquote. The app's product design does not create an additional institution or separate deposit-protection ceiling.
Yuh describes eligible deposit protection up to CHF 100,000. Other eligible deposits a customer holds directly through Swissquote aggregate with Yuh cash at the same bank and ownership level. The customer cannot count Yuh and Swissquote as two unrelated banks.
Shares, ETFs, themes and fractional positions use custody and execution agreements. Market value is not guaranteed, and custody-free does not remove transaction charges, stamp duty, fund costs, tax, currency conversion or the possibility of loss.
Swissquote is named as main crypto custodian and liquidity provider through SQX. Coinbase Inc, Bitstamp Europe S.A. and Payward Inc are named subcustodians for limited operational balances. Each introduces a product-specific custody and counterparty boundary.
Swissqoin is an Ethereum token distributed for selected activity. Its quoted value depends on circulating supply and a CHF reserve funded under programme rules. It can be sold or transferred to another Yuh user, but value growth and liquidity are not promised.
The debit Mastercard, mobile wallets, eBill and Yuh TWINT have separate terms and limits. Yuh's legal page publishes distinct card, eBill, TWINT and mobile-payment conditions. An account approval does not establish every payment feature.
The current price page lists a 0.50% all-in fee with possible exceptional foundation charges. Pension eligibility, contribution limits, transfer, withdrawal, tax and foundation custody are outside the ordinary cash-account protection claim.
Current pricing
Observed 13 July 2026. The live app and governing schedule control after observation.
| Action | Observed Yuh charge | Boundary |
|---|---|---|
| Swiss IBAN and account management | Free | Eligibility, tax status, same-name funding and account review remain. |
| Virtual and physical debit cards | Free | Replacement, merchant, geography, authorization and service restrictions apply. |
| Swiss ATM withdrawal | One free per week; then CHF 1.90 | Calendar-week rule, CHF 1,000 daily and CHF 10,000 monthly cited limits. |
| Foreign ATM withdrawal | CHF 4.90 equivalent | Operator charges, supported country, card state, currency and limits remain. |
| Currency exchange | 0.95% | Applied to the current interbank or mid-market baseline and displayed in-app. |
| Swiss/Liechtenstein transfer or EUR SEPA | Free | Currency, recipient, IBAN, compliance, timing and third-party charges remain. |
| Other European transfer currency | CHF 4 | Intermediaries can deduct an unknown amount, often cited as CHF 10–50. |
| Stocks, ETFs and themes | 0.50%, CHF 1 minimum | Stamp duty, TER, sell fee, FX, tax and product availability remain. |
| Crypto buy or sell | 1% | Asset, spread or execution, custody, tax and market loss remain. |
| Saving-project cash interest | 0% | Project is an allocation bucket, not a separate savings bank or rate promise. |
“Free” is accurate only for the named line item. A free account can still generate currency conversion, cash withdrawal, trading, fund, stamp-duty, intermediary-bank or tax cost. A free recurring buy on an eligible ETF can retain product expenses and a later sell fee. A card payment in a supported currency can have no transaction fee while an automatic conversion still costs 0.95%. The correct comparison prices the full action sequence, not the account headline.
Deposit protection
Yuh says account funds are deposited with Swissquote Bank and receive the protections of Swiss banking law, including eligible deposit protection up to CHF 100,000 in bankruptcy. Esisuisse explains that the protection applies per client and bank. A customer with cash in Yuh and another eligible deposit at Swissquote must combine them. Yuh's separate logo does not produce another bank-level limit.
The claim must remain narrow. Securities are custody assets whose value can fall. Fractional interests have transfer and realization conditions. Crypto has custody and segregation rules but is not an eligible cash deposit. Yuh explicitly qualifies the bankruptcy process for digital assets because case law and regulatory practice are limited. Swissqoin is a token. Pillar 3a uses pension-specific structures. None inherits deposit protection from visual proximity to the cash balance.
Opening and everyday use
The adult-account FAQ requires the customer to be at least 18, resident in an accepted country, not a US person, able to provide accepted identity documents and able to make a first cash deposit from an account held in the same name. Residents of specified neighbouring countries need official residence evidence and a first deposit of at least EUR or CHF 500 from their residence country. Those conditions can change and do not promise acceptance after documents are submitted.
Swiss residents receive the cleanest evidenced path. Non-resident customers can face tax reporting, residence, document, funding and feature limitations. Yuh's AEOI and FATCA disclosures identify Swissquote Bank as the reporting financial institution for Yuh accounts. This review does not provide tax advice or infer that an accepted residence prevents future reporting or documentation requests.
Travel, card and payments
Balance currency, conversion, card reference currency, ATM location, transfer rail and receiving bank all matter.
When the purchase currency is held, Yuh says it debits that balance without an added transaction charge. Otherwise it converts from the most-funded balance using the live Yuh rate and 0.95% fee. The merchant's dynamic conversion offer is outside Yuh and should ordinarily be declined in favor of local currency.
The observed price page gives one Swiss withdrawal per calendar week, then charges CHF 1.90. Foreign withdrawals cost CHF 4.90 equivalent before any operator or conversion effect. Daily, monthly, country, account and card limits remain.
Swiss and Liechtenstein transfers in the thirteen account currencies and euro SEPA transfers are listed as free. Other European currency transfers cost CHF 4. Intermediary banks can deduct charges that Yuh cannot know in advance.
Yuh TWINT is listed as free for ordinary person-to-person and merchant use, but requires Swiss residence and a Swiss phone number and has separate monthly send, receive and purchase limits. Partner services can still charge exceptional fees.
Securities and fractions
Yuh offers a curated selection of shares, ETFs and themes, and lets customers buy fractions. The 0.50% transaction charge has a CHF 1 minimum, so the effective percentage can be higher for very small orders. Custody is listed as free, but an ETF or theme can retain its own management cost. Swiss stamp duty, foreign taxes, FX and the later sell fee are distinct from Yuh's custody line.
Transferability is a major boundary. Yuh says transfer of securities can be requested only when they are whole; fractions require sale or separate handling to a third-party custodian. A fraction displayed as 0.5 share is therefore economically useful but not operationally identical to a whole registered position. Execution, best-execution policy, corporate actions and product availability are governed by the current agreements.
Crypto and Swissqoin
Supported digital assets, subcustody, segregation, execution and rewards remain different records.
Yuh provides fractional access to a selected crypto range with a 1% buy and 1% sell transaction charge and no listed custody fee. Asset availability, execution, tax, spread, network functionality and market loss remain outside that single percentage.
Swissquote is the main custodian and liquidity provider through SQX. Yuh describes multi-signature controls, offline cryptographic storage and strict access policies. This evidence describes controls; it does not prove that loss is impossible.
Coinbase Inc, Bitstamp Europe S.A. and Payward Inc are named for limited operational holdings. Counterparty, insolvency, jurisdiction, outage and reconciliation conditions can therefore extend beyond Yuh and Swissquote.
Yuh says digital assets are segregated under Swiss law but explicitly notes that the bankruptcy process cannot be fully guaranteed because case law and regulatory practice are limited. The qualification belongs beside the segregation claim.
Swissqoin value is described through token supply and a CHF reserve that receives a share of annual profit. That mechanism does not create a fixed redemption, interest rate, deposit, security performance or guaranteed market.
Yuh says its Mastercard can no longer top up Binance, Coinbase or Bitpanda for compliance reasons. Access to crypto inside Yuh does not imply the card can fund an outside crypto provider.
Support and evidence states
Yuh documents phone, message and in-app chat without a current fee. It also explains that accounts can be temporarily blocked for identity, compliance, suspicious activity, fraud, security or legal review. These disclosures establish a process, not measured support quality or a guaranteed review time. A customer should preserve the status screen, transaction details, beneficiary information, card record and case number and respond only through authenticated channels.
Residence, age, tax status, identity, funding and product eligibility control.
LSV and card top-ups to named external crypto providers are not offered.
Account, card, payment, trading or crypto access can be reviewed independently.
NeobankDB did not open, fund, trade, pay, withdraw, transfer or contact support.
Fees, assets, countries, subcustodians, limits and reward rules can change.
Crypto segregation is stated with limited case-law and bankruptcy-practice caveats.
Saving projects currently list 0% interest; no substitute return is inferred.
No overall score publishes when outcome evidence is incomplete.
Score state / intentionally empty
Legal structure, pricing and official controls cannot substitute for measured execution, spread, uptime, account-access, support, dispute, fraud, card, investment, custody and transfer outcomes. One number would collapse unrelated risks and manufacture precision.
Complete source ledger
FINMA, Yuh, Swissquote-product and esisuisse evidence remains dated, scoped and separate from rendered conclusions.
Swiss Financial Market Supervisory Authority · official regulatory register · observed 2026-07-12
Open official sourceYuh · official protection guidance · observed 2026-07-13
Open official sourceYuh · official legal · observed 2026-07-13
Open official sourceYuh · official fee schedule · observed 2026-07-13
Open official sourceYuh · official payment guidance · observed 2026-07-13
Open official sourceYuh · official investment guidance · observed 2026-07-13
Open official sourceYuh · official savings guidance · observed 2026-07-13
Open official sourceYuh · official operational guidance · observed 2026-07-13
Open official sourceesisuisse · protection scheme guidance · observed 2026-07-12
Open official source