Yuh: Pay. Save. Invest.

Yuh: Pay. Save. Invest. is a valuable and practical financial service tool. Click to download the latest Android version and make your payments, savings, and transactions effortless. Yuh: Pay. Save. Invest. provides users with an all-in-one tool for investment, financial management, payments, and savings, helping you achieve your savings goals and financial freedom sooner. This platform supports free account opening; no fees are required. Instantly deposit funds and enjoy up to 1% interest on your savings. This application offers reliable and customized retirement, insurance, and investment solutions. Use Yuh: Pay. Save. Invest. now to help you develop a reliable and efficient financial plan!

Brilliant Highlights 

Manage 13 currencies with one Swiss IBAN account.

Free account opening, free Mastercard, and no monthly fees.

Easily manage your bills with e-billing and recurring payment instructions.

Make instant contactless payments with TWINT.

Enjoy up to 1% interest on your savings.

Buy stocks, cryptocurrencies, and ETFs with a minimum investment of just 10 CHF.

Set up recurring investment instructions for long-term investing.

Secure your future with our Pillar 3a pension plan.

Insure your everyday items for free with Yuh Life Insurance.

Choose your savings plan from 6 ETFs with no transaction fees.

Excellent Features 

Multi-currency Account: Yuh supports payments in 13 different currencies with no hidden fees. You can easily manage your funds with a single Swiss IBAN.

Free Account and Mastercard: Yuh offers a free account and a free Yuh debit Mastercard with no monthly fees. Say goodbye to account management and transaction fees.

Savings Plan: With Yuh, you can create a savings plan and see your dreams come true. Yuh offers generous interest rewards on your deposits, with up to 1% interest on cash assets.

Investment Opportunities: Yuh offers opportunities to invest in stocks, cryptocurrencies, and ETFs. You can start investing with just 25 Swiss Francs and even set up regular investment instructions.

Swissqoins Rewards Program: Yuh is the first financial app to share profits with users through the innovative crypto token Swissqoins. The more you use the app, the more Swissqoins you earn, which can be redeemed for cash or held to grow.

Security Guarantee: Yuh is backed by Swissquote and authorized by the Swiss Financial Market Supervisory Authority (FINMA), ensuring the highest level of security for your funds. You can rest assured that your funds are absolutely safe with Yuh.

Attractive Function 

Pay in 13 currencies with Yuh, with no hidden fees.

 Yuh offers you a free Yuh Mastercard debit card, real-time account balance inquiry, and multi-currency accounts. We provide transparent currency exchange fees with no hidden charges. Account management and card transaction fees are a thing of the past. Register with Yuh to get a free Swiss account – it's easy and convenient.

Create your savings plan.

You can freely choose your savings period, goals, and duration, and then watch your dreams come true step by step. Yuh rewards your savings with generous interest. Your Swiss Franc savings will earn 1% interest, and your Euro and US Dollar savings will earn 0.75% interest, calculated proportionally throughout the year. ETFs

Savings plan, no transaction fees.

Create your own regular ETF investment plan. Invest weekly or monthly, accumulate small amounts, and watch your wealth grow!

Yuh Pocket Insurance.

Protect your valuables. In the event of any accident, we will cover the repair or replacement costs. Stolen or damaged? We've got you covered!

Yuh 3a Pillars – Your Best Partner for the Future

Our 3a Pillars solution safeguards the stability of your future investments. A flat 0.5% fee also guarantees stable pricing.

Invest in over 300 stocks, 53 ETFs and bond ETFs, and 38 cryptocurrencies.

With Yuh, you can trade mainstream cryptocurrencies anytime. If you wish to invest in stocks, we offer a range of the most popular investment products. We also assess the environmental and ethical values (ESG ratings) of the companies behind the stocks, ensuring you can invest with peace of mind. Furthermore, ETFs provide a simple, low-risk way to profit from global markets. They are cost-effective, transparent, highly diversified, and flexible. Swissqoins

Our unique rewards program.

Yuh is the first financial app to share profits with Yuhsers through Swissqoins. Swissqoins are an innovative crypto token whose value grows monthly as Yuh reinvests a portion of its revenue in them. It's a unique concept: the more you use the app, the more Swissqoins you earn, and the more rewards you receive from Yuh. You can redeem Swissqoins for cash at any time, or choose to hold them and watch them grow monthly. YuhLearn offers a variety of tools to support your decision-making and explains how to easily manage your finances if you need help. We share ideas and inspiration with Yuhsers in our dedicated YuhLearn forum.

User's Comments

Update: They fixed it. Original: I really like Yuh and the app but unfortunately since their technical update to use the "Hardware Integrity" the App does not work on my Phone anymore. So now I have to find another Phone or way to still have access to my funds which is really frustrating. Especially since the function does limit Phones/OperatingSystems to manufacturers that paid Google money and not necessarily those that are secure and up to date (GrapheneOS for example).

Used Yuh for many years, I am a big fan. This is the best free banking solution in Switzerland in my opinion, compared to Neon & Cler's Zak. The pending payment feature could be improved. I'd love to be able to edit the date or the amount. And if a payment fails due to low balance, I'd love to see a "retry" option. And another pain point is that it irritates me they only give the interest in the SAVE section, forcing me to regularly move cash between SAVE and PAY. Thanks for your attention!

I absoutely LOVE this app. There's not more to say, it's absolutely amazing.

The only negative thing is they should write under the black account balance  In green the leftover amounts after payments are withdrawn. Cause calculating each time is a bit confusing i think manybad reviews come from this issue. Or that people don't know they have to use the pin afeter a certain amount of contactless payments maybe show a number for this so we know.

I use yuh mainly for small investment and to train my skills with stocks. I try neon as well, and yuh is much more stable and the general usability is better. But neon has some ETFs which are not available in yuh.. My biggest wish for yuh is, to add more stocks and ETFs. Such as S&P (Vanguard, Sustainable,..) swissquote has it all, but is more expensive for small amounts. And i like the simplicity of yuh. Edit: Thanks for adding my favourite ETFs!

The bank has a lot of investing options and pays out in crypto assets (their cryptocurrency). Virtual debit cards can be created easily. And what's best: They pay/accumulate dividends depending on the asset I own. I wish they had more assets such as NYSE Stocks or other Brazilian International Stocks (there are only very few for now, but I built a good portfolio). I recommend it, specially if you want to start investing and need flexibility with savings

Final Verdict

Yuh is the ultimate all-in-one app for all your financial needs. It offers multi-currency accounts, a free Mastercard, and no monthly fees, making it easy to manage your funds. Whether you want to save for your dreams or invest in stocks and cryptocurrencies, Yuh has you covered. Furthermore, you can earn even more benefits with the app through the unique Swissqoins rewards program. Yuh partners with Swissquote to ensure the safety of your funds. Download Yuh now and experience its convenience and innovation.