Best Yuh alternatives

#1 alternative

neon

active

Swiss zero-fee app. Not a FINMA bank. Cash at Hypothekarbank Lenzburg, esisuisse CHF 100,000.

Zurich · Swiss digital account · Private

7.3Solid

neon’s English homepage does the honest sentence most Swiss fintechs hide: your money is held by partner Hypothekarbank Lenzburg and protected by Swiss deposit insurance up to CHF 100,000. neon is the app. HBL is the bank. Alpian is a FINMA bank. Yuh sits on Swissquote Bank Ltd. radicant is closed. If you want the charter in the same legal name as the app icon, this is the wrong file. If you want a cheap CHF account and you accept a shared esisuisse cap with HBL, it is the right one. Swiss residency. Do not treat an App Store tile as a cross-border open.

Best for: Swiss residents who want a zero-fee CHF account and will accept a partner-bank deposit.

Licence

Fintech app — deposits at Hypothekarbank Lenzburg AG

Protection

Official: with neon, your money is safely held by partner Hypothekarbank Lenzburg and is protected by Swiss deposit insurance up to CHF 100,000. neon is not the bank. Shared cap with any other HBL account.

Monthly

Zero-fee pitch on neon-free.ch — confirm live extras

#2 alternative

Alpian

active

Swiss FINMA digital private bank. esisuisse CHF 100k. Residents.

Geneva · Swiss private-bank scale · Series B-era + licence capital

7.2Solid

Alpian is the Swiss digital bank that still has a FINMA banking licence after 2025. radicant’s clients were pointed here. It is a private bank in an app, not Revolut. Do not open it from India.

Best for: Swiss-domiciled clients who want a FINMA bank in an app, and will pay private-bank economics.

Licence

Bank (Alpian SA)

Protection

esisuisse up to CHF 100,000 per client per bank

Monthly

Private-bank / digital-wealth tariff — not a free current account

#3 alternative

Revolut

active

Global money app that finally became a UK bank.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Licence

UK bank (eligible customers)

Protection

FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets

Monthly

Free · Plus/Premium/Metal/Ultra paid

#4 alternative

Kestrl is a habit layer. Keep a Monzo/Starling/high-street account for the actual deposit. Halal branding does not move FSCS.

Best for: UK Muslims who want a money app that speaks their constraints, with a real bank still underneath.

Licence

App + partner EMI/bank rails

Protection

If a spending account exists, it is partner-EMI or bank — not Kestrl-as-bank

Monthly

Freemium / subscription SKUs — confirm live

#5 alternative

Wahed is a screened robo, not a current account. Pair it with a real bank. Do not describe the cash sleeve as FSCS current-account money without reading the entity.

Best for: Muslims who want a screened portfolio without building one from a brokerage blank page.

Licence

Investment adviser / manager — confirm the local entity

Protection

Securities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entity

Monthly

AUM fee on portfolios (live rate on site)

#6 alternative

Found

active

US banking for the self-employed: taxes, invoices, and a debit card.

4.8

San Francisco · Self-employed base · Series-era (Allianz x others)

7.3Solid

Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.

Best for: US freelancers who hate QuickBooks more than they hate banks.

Licence

Fintech with partner banks

Protection

FDIC via Piermont Bank and partners

Monthly

Free core