Switzerland
activeNeobank
- HQ
- Basel
- Fee
- CHF 0 on Zak. Zak Plus is CHF 8/month.
Yuh
Yuh is not a bank. Swissquote Bank Ltd is. esisuisse cover is CHF 100,000, shared.
Legal entity: Yuh Ltd. Banking and financial services by Swissquote Bank Ltd.
Tap a star to jump to reviews
7.6Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Yuh is not a bank. The money sits with Swissquote Bank Ltd.
If it fails?
Yuh itself is not a bank. Banking sits at Swissquote Bank Ltd, FINMA-authorised. esisuisse covers eligible deposits up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared.
Salary?
A Swiss IBAN at Swissquote Bank Ltd can take a Swiss salary. Confirm the number in the Yuh app.
Open from abroad?
No. Yuh wants Swiss identity verification. This is not a non-resident IBAN mill.
Monthly fee
No fees whenever possible — live list on yuh.com/en/pricing
Account number
Switzerland. The IBAN is Swissquote Bank Ltd, not a Lithuanian number with a Swiss brand.
NeoBankDB Verdict
Licence first · score second
7.6
/10 · Solid
Yuh is not a bank. The English homepage says it in one paragraph: Swissquote Bank Ltd provides the banking, FINMA authorises that bank, and esisuisse cover is CHF 100,000 shared with Swissquote. July 2025 ended the PostFinance joint venture. If you already hold cash at Swissquote, do not count CHF 100,000 twice. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Read those files separately.
What it is
Yuh launched in 2021 as a Swissquote and PostFinance joint venture. In July 2025 Swissquote bought PostFinance’s share. The app is Yuh. The bank is Swissquote Bank Ltd. Markus Schwab is CEO of Yuh. Directories that still say PostFinance neobank are out of date.
Best for: People who live in Switzerland and want spend plus invest, and who accept Swissquote as the bank.
Last checked 2026-09-17. Not advice.
What it does well
- +Official line: Yuh is not a bank
- +Swissquote Bank Ltd is named
- +esisuisse CHF 100,000 is printed
- +Pricing page exists
What to watch
- −Shared cap with any Swissquote cash you already hold
- −Swiss residency
- −Not Zak, not Neon, not Alpian
- −Investing risk is not deposit insurance
Legal entity, not the app icon
Who is behind it
- Legal name
- Yuh Ltd. Banking and financial services by Swissquote Bank Ltd.
- Formerly
- Swissquote + PostFinance joint venture until July 2025
- Parent
- Swissquote Group, 100% since the July 2025 buyout of PostFinance’s share.
- Founders
- Launched by Swissquote and PostFinance. Markus Schwab is CEO.
- If something goes wrong
- FINMA / Swiss banking ombudsman, through Swissquote Bank Ltd.
Who holds the money
The account
- Platforms
- iOS, Android, Huawei
- Account types
- Personal spend, Invest
- Partner bank
- Swissquote Bank Ltd
- Availability
- Switzerland. In-app identity check.
- IBAN country
- Switzerland. The IBAN is Swissquote Bank Ltd, not a Lithuanian number with a Swiss brand.
- Remote open
- No. Yuh wants Swiss identity verification. This is not a non-resident IBAN mill.
- Onboarding
- Download Yuh, enter your details, verify identity, fund the account.
- Minimum age
- 18 for the full adult account. Confirm any junior offer on yuh.com.
- Salary / payroll
- A Swiss IBAN at Swissquote Bank Ltd can take a Swiss salary. Confirm the number in the Yuh app.
- Local rails
- Swiss IBAN via Swissquote Bank Ltd. SIC / Swiss rails.
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- IBAN / SEPA · Crypto on-ramp
- Built for
- Personal · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Compliance holds on fiat ramps are common
- Card
- Yuh lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Yuh itself is not a bank. Banking sits at Swissquote Bank Ltd, FINMA-authorised. esisuisse covers eligible deposits up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared.
Who holds the money: Swissquote Bank Ltd
- FINMAFintech app — not a bank · Switzerland
Fees
- Monthly
- No fees whenever possible — live list on yuh.com/en/pricing
- FX markup
- Read the live Yuh pricing list. Do not copy a directory tariff.
- ATM
- Read the live Yuh pricing list.
Features
- ✓IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- ✓Crypto
- ✓Stocks
- –Business
- –Kids
- –Halal
- Spend and invest in one app
- Swiss IBAN at Swissquote Bank Ltd
- esisuisse via Swissquote
- Swissqoins rewards
Before you tap Sign up
How to open
Step 1
Name the bank first
Yuh is the app. Swissquote Bank Ltd is the bank. esisuisse cover is shared, not doubled.
Step 2
Verify in the Yuh app
You need a Swiss identity check. An App Store listing is not an account for someone living abroad.
Step 3
Read the pricing list
yuh.com/en/pricing is the live tariff. This file does not invent a fee table.
Official help: www.yuh.com/en
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.2
- Fees20%
- 8.0
- Features15%
- 8.4
- App15%
- 8.4
- Global15%
- 5.0
- Support10%
- 7.2
Change log
Full logStatus
Swissquote bought PostFinance’s Yuh share
Yuh itself is not a bank. Services are Swissquote Bank Ltd, FINMA. esisuisse CHF 100,000 is shared with Swissquote as one entity.
Available in
Straight answers
FAQ
01Is Yuh a bank?
No. Yuh’s own homepage says Yuh itself isn’t a bank. Banking and financial services in the app are provided by Swissquote Bank Ltd, authorised by FINMA.
02Is Yuh esisuisse protected?
Eligible cash at Swissquote Bank Ltd is covered up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared across both. Securities follow Swiss custody rules, not the cash cap.
03Who holds the money?
Swissquote Bank Ltd holds the banking. Yuh Ltd runs the app. After July 2025 Swissquote owns Yuh outright. PostFinance is no longer a joint-venture partner.
04Who can open Yuh?
People who can pass Swiss identity checks in the app. This is not a remote account for non-residents. Confirm the live onboarding screen.
05Does Yuh give a Swiss IBAN?
Yes. The number is a Swissquote Bank Ltd IBAN. That is a Swiss current account rail, not a foreign IBAN with a Swiss sticker.
06Yuh vs Zak vs Neon?
Yuh is Swissquote. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Three different banks, three shared-cap stories. Do not flatten them.
07What is the monthly fee?
Yuh says no fees whenever possible and low fees when necessary. The live list is yuh.com/en/pricing. This page does not invent a tariff.
08Can I receive salary on Yuh?
A Swiss IBAN at Swissquote Bank Ltd can take a Swiss salary if the employer accepts it. Confirm the IBAN inside the app.
09What is the legal name?
The app company is Yuh. The bank is Swissquote Bank Ltd. Parent: Swissquote Group, 100% since July 2025.
10If Yuh closed, where is the money?
At Swissquote Bank Ltd, under esisuisse rules, up to CHF 100,000 shared with any Swissquote cash you already hold.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
neon
Swiss zero-fee app. Not a FINMA bank. Cash at Hypothekarbank Lenzburg, esisuisse CHF 100,000.
7.3Solid
activeFeaturedNeobank
- HQ
- Zurich
- Fee
- Zero-fee pitch on neon-free.ch — confirm live extras
activeNeobank
- HQ
- Geneva
- Fee
- Private-bank / digital-wealth tariff — not a free current account