Switzerland
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
Yuh
Swissquote Bank Ltd in an app. FINMA. esisuisse CHF 100,000 shared with Swissquote. Yuh is not the bank.
Legal entity: Yuh (app) — banking services by Swissquote Bank Ltd
Rate this app
7.6Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Banking and financial services by Swissquote Bank Ltd — Yuh is not a bank (FINMA). Still read the entity on the statement.
If it fails?
Official: Yuh itself isn’t a bank. Services are provided by Swissquote Bank Ltd, authorised by FINMA. Deposit protection up to CHF 100,000 in bankruptcy. Yuh and Swissquote are considered one entity — the cap is shared across both.
Salary?
A Swissquote Bank CHF account can take a Swiss salary. Confirm the IBAN Yuh shows.
Open from abroad?
Swiss identity verification in-app. Not a non-resident mill.
Monthly fee
No fees whenever possible, low fees when necessary — see yuh.com/en/pricing
Account number
Switzerland (Swissquote Bank Ltd)
NeoBankDBVerdict
Licence first · score second
7.6
/10 · Solid
Yuh’s own English homepage is unusually precise: Yuh started as a Swissquote + PostFinance joint venture; in July 2025 Swissquote bought PostFinance’s share; Yuh itself is not a bank; banking and financial services are provided by Swissquote Bank Ltd, authorised by FINMA; deposit protection up to CHF 100,000; Yuh and Swissquote are one entity so the cap is shared. That paragraph is the review. neon sits at Hypothekarbank Lenzburg. Alpian is its own FINMA bank. If you already have a Swissquote account, do not double-count the CHF 100,000. Pricing lives at yuh.com/en/pricing — this file does not invent a tariff.
What it is
Yuh is how Swissquote sells a consumer current account without putting a new bank name on the licence. The July 2025 buyout ended the PostFinance JV story. Directories that still say ‘PostFinance neobank’ are stale.
Best for: Swiss residents who want spend + invest in one app and accept Swissquote as the bank.
Last checked 2026-09-02. Not advice.
What it does well
- +FINMA bank named (Swissquote Bank Ltd)
- +esisuisse CHF 100,000 printed
- +Honest ‘Yuh isn’t a bank’ copy
- +Pricing page exists
What to watch
- −Shared cap with Swissquote accounts
- −Swiss residency
- −Not neon’s HBL, not Alpian’s own licence
- −Investing risk is not deposit insurance
Legal entity, not the app icon
Who is behind it
- Legal name
- Yuh (app) — banking services by Swissquote Bank Ltd
- Formerly
- Swissquote + PostFinance joint venture (until July 2025)
- Parent
- Swissquote (100% after July 2025 buyout of PostFinance’s share, per Yuh’s own page)
The product, not the brand colour
The account
- Platforms
- iOS · Android · Huawei
- Account types
- Personal spend + invest
- Partner bank
- Swissquote Bank Ltd
- Availability
- Switzerland
- IBAN country
- Switzerland (Swissquote Bank Ltd)
- Remote open
- Swiss identity verification in-app. Not a non-resident mill.
- Onboarding
- Download Yuh, enter personal details, verify identity, first deposit (their copy mentions e.g. CHF 500 for a promo).
- Salary / payroll
- A Swissquote Bank CHF account can take a Swiss salary. Confirm the IBAN Yuh shows.
- Local rails
- Swiss IBAN via Swissquote Bank Ltd
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- visa · physical · virtual · Apple Pay · Google Pay
Licence first
Safety
Official: Yuh itself isn’t a bank. Services are provided by Swissquote Bank Ltd, authorised by FINMA. Deposit protection up to CHF 100,000 in bankruptcy. Yuh and Swissquote are considered one entity — the cap is shared across both.
Holder / issuer: Swissquote Bank Ltd
- FINMABanking and financial services by Swissquote Bank Ltd — Yuh is not a bank · Switzerland
Fees
- Monthly
- No fees whenever possible, low fees when necessary — see yuh.com/en/pricing
- FX markup
- Confirm live pricing list
- ATM
- Confirm live pricing list
Features
- ✓IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- ✓Stocks
- –Business
- –Kids
- –Halal
- Swissquote Bank behind the app
- Investing + spending
- esisuisse via Swissquote
- PostFinance no longer a JV partner
Before you tap Sign up
How to open
Step 1
Name the bank
Swissquote Bank Ltd, FINMA. Yuh is not the bank. Shared esisuisse cap.
Step 2
Verify identity in-app
Download Yuh (App Store, Play, Huawei). Swiss KYC.
Step 3
Read the pricing list
yuh.com/en/pricing outranks any directory fee table.
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?
Yuh holds a banking-style licence (FINMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Official: Yuh itself isn’t a bank. Services are provided by Swissquote Bank Ltd, authorised by FINMA. Deposit protection up to CHF 100,000 in bankruptcy. Yuh and Swissquote are considered one entity — the cap is shared across both.
03Where is Yuh available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Yuh.
04Card and wallets?
visa · physical · virtual · Apple Pay · Google Pay
05Can I open Yuh remotely?
Swiss identity verification in-app. Not a non-resident mill.
06Where is the Yuh IBAN issued?
Switzerland (Swissquote Bank Ltd). The issuing country of the number is not the brand HQ.
07What is the legal name behind Yuh?
Yuh (app) — banking services by Swissquote Bank Ltd (formerly Swissquote + PostFinance joint venture (until July 2025)). Read the entity on the statement, not the app icon.
08Can I receive salary on Yuh?
A Swissquote Bank CHF account can take a Swiss salary. Confirm the IBAN Yuh shows.
09Is Yuh a bank?
No. Official: Yuh itself isn’t a bank. Services are provided by Swissquote Bank Ltd, FINMA-authorised. CHF 100,000 deposit protection is shared with Swissquote.
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
Full alternatives page
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- HQ
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- Fee
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- Fee
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